Skip to the sample answer
Lighthouse FO

Answers from your family office records.

Ask about wealth, cash and ownership. Inspect the records behind each answer.

Explore a sample answer

Saved sample answers

Choose a saved question. Open a figure to see its calculation.

Saved questionBanksia · fictional records

Can we commit A$8m in the next 120 days?

Banksia Family Office · 1 entity in view · AUD · 2026-09-11

Banksia Holdings Pty Ltd retains at least A$2,575,000 above its reserve after the proposed A$8,000,000 commitment.

Approved records · 5 of 5 records included

Lowest entity cash above reserve

The ladder runs to 2027-01-09. Contracted cash and full committed uses determine headroom; probability-weighted forecasts are separate. Available cash in one entity is not automatically available to another.

Amounts in Australian dollars. Select an underlined amount to see its calculation.

MeasureRequired reserveLowest cash above reserve
Banksia Holdings Pty LtdAbove reserve · A$4,225,000 committed uses · A$4,225,000 expected usesAUD 3,000,000.00
Drivers
  • Holding company cash pledged to a property guarantee: pledged
  • Term securities maturing after the decision window: available 2027-03-10, after this horizon
  • Banksia Holdings Pty Ltd · 2026-09-11 · Opening available cash: contracted cash A$10,000,000, expected cash A$10,000,000, headroom A$7,000,000
  • Banksia Holdings Pty Ltd · 2026-09-30 · Adviser-supplied tax instalment: contracted cash A$8,800,000, expected cash A$8,800,000, headroom A$5,800,000
  • Banksia Holdings Pty Ltd · 2026-10-15 · Banksia Precision declared distribution to the 78% shareholder: contracted cash A$16,600,000, expected cash A$16,600,000, headroom A$13,600,000
  • Banksia Holdings Pty Ltd · 2026-10-31 · Confirmed family office and investment administration costs: contracted cash A$15,800,000, expected cash A$15,800,000, headroom A$12,800,000
  • Banksia Holdings Pty Ltd · 2026-11-10 · Separately approved principal distribution: contracted cash A$13,800,000, expected cash A$13,800,000, headroom A$10,800,000
  • Banksia Holdings Pty Ltd · 2026-11-20 · Proposed commitment: contracted cash A$5,800,000, expected cash A$5,800,000, headroom A$2,800,000
  • Banksia Holdings Pty Ltd · 2026-12-15 · Holding debt interest under the approved quarterly schedule: contracted cash A$5,575,000, expected cash A$5,575,000, headroom A$2,575,000
Ownership
  • Family-position valuations are already attributed. Enterprise/equity values apply one explicit or effective-dated economic interest; legal, voting and discretionary rights are not substituted.
Evidence
  • Simulated FO source / Banksia / Holding company / reserve policy v1
  • Simulated FO source / Banksia / holding-aud-cash / approved comparison schedule / 2026-09-11
  • Simulated FO source / Banksia / holding-tax-instalment / confirmed cash-flow schedule
  • Simulated FO source / Banksia / Precision board distribution notice v1 / A$10m total declaration; Banksia Holdings receives 78%
  • Simulated FO source / Banksia / holding-office-costs / confirmed cash-flow schedule
  • Simulated FO source / Banksia / holding-approved-family-payment / confirmed cash-flow schedule
  • Simulated FO source / Banksia / Holding loan interest schedule / A$18.25m × 5% × 90/365 = A$225,000
Calculation
  • Required reserve: Approved reserve × AUD per currency unit
  • Holding company AUD operating cash: Available legal-entity cash/security balance × AUD per currency unit; no transfer to another entity assumed
  • Adviser-supplied tax instalment: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Banksia Precision declared distribution to the 78% shareholder: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Confirmed family office and investment administration costs: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Separately approved principal distribution: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Holding debt interest under the approved quarterly schedule: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Minimum cash above reserve: Minimum across all dated ladder points of (opening legal-entity cash + settled/realisable balances + committed receipts − full committed payments − proposed commitment − approved reserve); expected flows are shown separately

Model fo-au-2.0.0 · 19 records read · Approved versioned sources; AUD per native currency unit; selected legal entities; no assumed inter-entity cash transfers

Calculation

Saved examples from the fictional Banksia family office.

Sign in to ask your own question

Explore the workspace

Portfolio, ownership, businesses and cash. Follow a figure to the records behind it.

Karri · fictional sample · AUD

Portfolio review

Performance, in perspective.

Recorded values and assigned synthetic benchmarks

Recorded portfolio value

85 valuation dates
A$121.813m
0m65m130m30 Sept 201931 Mar 202330 Sept 2026

Recorded dates only. Values include cash flows and are not investment returns. AUD scale starts at zero.

Portfolio composition

Direct holdings
13included holdings

1 excluded from this mandate. Select a class to inspect its denominator.

What moved the value

30 Sept 2025 – 30 Sept 2026
Opening value
Net external flows
Investment result
Closing value

Opening value + external flows + investment result = closing value. Cash flows are separate from returns.

Select a figure to inspect its calculation.Open Portfolio review · sign-in required

Interactive previews use published synthetic records from separate sample offices. Each view keeps its own dates and scope.

Behind the figure · fictional records

Calculation

Records behind each answer

  • Dated records and calculations beside the answer.
  • Missing evidence stays visible.
  • Decisions stay with the family and its advisers.
When the records cannot answer

Four fictional questions. The calculation engine’s own responses.

  • What is my personal share of the family wealth?

    Access to an entity's records does not establish a personal beneficial entitlement. The model can show the selected legal estate and approved funding; a personal allocation requires its own documented right and authorised decision.

    Access to an entity's records is not the same thing as a right to its value.

  • What is Banksia Holdings Pty Ltd worth?

    The question names Banksia Holdings Pty Ltd, but the selected entity scope is different. Select the intended entity in the scope controls before calculating; this question has not been replaced by a wider family answer.

    The question names one entity while the scope covers the whole family. A wider answer is not a narrower question's answer.

  • Can we commit US$10m in December?

    This funding question requires an evidenced currency conversion. Supply one approved AUD amount and its FX evidence; the foreign amount will not be treated as AUD or omitted from the answer.

    There is no approved rate here that turns a foreign figure into an Australian one.

  • What was our position last year?

    You asked for last completed year: 31 Dec 2024 to 31 Dec 2025, using 11 Sept 2026 as the reporting date. This source set supports 30 June 2026 and 11 Sept 2026.

    The requested period is not covered by the source dates selected for this answer.

Discuss your office’s questions

Walk through a fictional family office with us. No family records needed.

Email us for a walkthrough