Portfolio Consolidation · settling before the distribution phase
Anchor is the moment you arrive and settle. Before you start drawing down, it's normal to simplify, consolidating a sprawl of holdings into a few clean, glide-path allocations. Rotate each asset into a simple equity-to-bond split, leave the rest untouched, and Anchor produces the tidied portfolio that becomes your distribution-phase starting point. An optional waypoint between Landfall and Soundings. Take it, or sail straight past.
From today's portfolio
Consolidate now
Import a portfolio export from True North: Anchor loads today's holdings. Use this if you're ready to simplify and enter the distribution phase now.
○ True North JSON: not loaded
From Landfall
Consolidate the future pool
Import a portfolio export and your Landfall file. Anchor grows the portfolio to a year you choose (the projected pool) using Landfall's returns, then lets you consolidate that.
○ Portfolio JSON: not loaded
○ Landfall JSON: not loaded
Returning
Resume
Import a portfolio export and your saved Anchor file: your rotations and ROI assumptions re-apply, matched by asset name.
○ Portfolio JSON: not loaded
○ Saved Anchor JSON: not loaded
Arriving from Landfall? Click Proceed to Anchor there: your projected end-pool loads automatically.
Glide-path ROIs · blended return for each split: adjust the two anchors, all splits follow
Equity leg %Bond leg %
Pool value
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Blended ROI (before)
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weighted, consolidatable assets
Blended ROI (after)
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Consolidate · rotate each asset into a split, or leave it (fixed assets pass through untouched)
Rotating an asset into a split replaces its return entirely with that split's blended ROI (equity:bond). Fixed assets (property, vehicles) and anything left on “Keep as is” carry through to Soundings unchanged. This models the realistic simplification most people do when moving from building wealth to living off it.
Before & after · strategic mix shift from consolidation
Before (as imported)
After (consolidated)
Consolidated portfolio · what carries forward to the distribution phase
This is the tidied portfolio Soundings receives: rotated holdings collapsed into single base-currency funds, everything else carried through. A cleaner book for the distribution phase.