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📊 Net Worth Overview
$1,436,391
Total Net Worth across all asset classes
Mariner Dr (10% of $15.65M)$1,565,000
↳ Mortgage (10% of $10M)−$1,000,000
↳ Net Equity$565,000
ESP Ventures (50% of $1.4M)$700,000
UTMA Account (Schwab)$71,219
Carlos's MM WL (50% CV)$99,528
Own MM WL Cash Value$644
ConsultantCarla Cabrera, Schwab
Asset Allocation
All Holdings (21) — Live Prices
| Ticker | Company | Type | Qty | Price | Value | Cost | Gain | %Port |
|---|
| BFGFX | Baron Focused Growth | MF | 203.9 | $54.16 | $11,043 | $8,191 | +$2,852 (+35%) | 17.8% |
| UPRO | ProShares UltraPro S&P | ETF | 117 | $106.98 | $12,517 | $13,236 | -$719 (-5%) | 16.0% |
| TQQQ | ProShares UltraPro QQQ | ETF | 246 | $38.99 | $11,683 | $13,049 | -$1,366 (-10%) | 14.4% |
| TSLA | Tesla Inc | EQ | 23 | $346.10 | $7,960 | $6,370 | +$1,590 (+25%) | 12.5% |
| TER | Teradyne Inc | EQ | 20 | $343.45 | $6,869 | $1,789 | +$5,080 (+284%) | 8.9% |
| BRK-B | Berkshire Hathaway B | EQ | 10 | $481.71 | $4,817 | $3,372 | +$1,445 (+43%) | 7.1% |
| YMAG | YieldMax MAGFT 7 | ETF | 186 | $12.04 | $2,239 | $2,852 | -$613 (-21%) | 3.2% |
| UEC | Uranium Energy Corp | EQ | 150 | $13.88 | $2,082 | $1,050 | +$1,032 (+98%) | 3.0% |
| UBER | Uber Technologies | EQ | 27 | $73.70 | $1,990 | $2,019 | -$29 (-1%) | 2.8% |
| NEE | NextEra Energy | EQ | 20 | $93.62 | $1,872 | $1,740 | +$132 (+8%) | 2.8% |
| WTRG | Essential Utils | EQ | 29 | $39.84 | $1,155 | $1,458 | -$303 (-21%) | 1.8% |
| NVDA | NVIDIA Corp | EQ | 7 | $181.03 | $1,267 | $871 | +$396 (+45%) | 1.8% |
| AMZN | Amazon.com | EQ | 5 | $220.44 | $1,102 | $901 | +$201 (+22%) | 1.5% |
| OSCR | Oscar Health | EQ | 70 | $14.27 | $999 | $1,121 | -$122 (-11%) | 1.2% |
| LEN | Lennar Corp | EQ | 6 | $89.47 | $537 | $972 | -$435 (-45%) | 0.8% |
| CSIQ | Canadian Solar | EQ | 40 | $12.16 | $486 | $1,749 | -$1,263 (-72%) | 0.8% |
| META | Meta Platforms | EQ | 1 | $592.92 | $593 | $709 | -$116 (-16%) | 0.8% |
| LVMHF | LVMH Moet Hennessy | EQ | 1 | $544.52 | $545 | $968 | -$423 (-44%) | 0.8% |
| MSTR | Strategy (MicroStrategy) | EQ | 4 | $127.78 | $511 | $1,601 | -$1,090 (-68%) | 0.8% |
| ACHR | Archer Aviation | EQ | 38 | $5.58 | $212 | $306 | -$94 (-31%) | 0.3% |
| RBLX | Roblox Corp | EQ | 1 | $57.63 | $58 | $105 | -$47 (-45%) | 0.1% |
💰 Cash: $682 · 📊 Statement: Feb 28, 2026 · Prices: Apr 8, 2026 (live) · Schwab Account #6347-9599
$1,407,619
Total Net Worth across all asset classes
Mariner Dr (10% of $15.65M)$1,565,000
↳ Mortgage (10% of $10M)−$1,000,000
↳ Net Equity$565,000
ESP Ventures (50% of $1.4M)$700,000
UTMA Account (Schwab)$42,486
Carlos's MM WL (50% CV)$99,528
Own MM WL Cash Value$605
ConsultantCarla Cabrera, Schwab
Asset Allocation
All Holdings (6) — Live Prices
| Ticker | Company | Type | Qty | Price | Value | Cost | Gain | %Port |
|---|
| TSLA | Tesla Inc | EQ | 31 | $346.10 | $10,729 | $10,065 | +$664 (+7%) | 26.1% |
| BRK-B | Berkshire Hathaway B | EQ | 14 | $481.71 | $6,744 | $5,753 | +$991 (+17%) | 16.4% |
| UPRO | ProShares UltraPro S&P | ETF | 65 | $106.98 | $6,954 | $7,345 | -$391 (-5%) | 16.9% |
| BFGFX | Baron Focused Growth | MF | 97.2 | $54.16 | $5,264 | $3,801 | +$1,463 (+38%) | 15.5% |
| TQQQ | ProShares UltraPro QQQ | ETF | 134 | $38.99 | $6,364 | $7,099 | -$735 (-10%) | 12.8% |
| YMAG | YieldMax MAGFT 7 | ETF | 420 | $12.04 | $5,057 | $6,309 | -$1,252 (-20%) | 12.3% |
💰 Cash: $1,374 · 📊 Statement: Feb 28, 2026 · Prices: Apr 8, 2026 (live) · Schwab Account #1903-5504
👨👦👦 Combined Junior Net Worth
$3.13M
Mariner Dr (20%)
Mtg −$2M · Eq $1.13M
📊 Performance Stats
Carlos Jr. — UTMA Performance
Total Gain
+$6,108 (+9.5%)
21 positions · 47% Equities · 37% ETFs · 16% Mutual Funds
| 🏆 Top Performers | 📉 Bottom Performers |
|---|
| TER | +284% |
CSIQ | −72% |
| UEC | +98% |
MSTR | −68% |
| BFGFX | +35% |
RBLX | −45% |
| BRK-B | +43% |
LVMHF | −44% |
| NVDA | +45% |
LEN | −45% |
Largest positions: UPRO $12.5K (17.6%) · TQQQ $11.7K (16.4%) · BFGFX $11.0K (15.5%) · TSLA $8.0K (11.2%)
Sebastián — UTMA Performance
6 positions · 43% Equities · 45% ETFs · 13% Mutual Funds
| 🏆 Top Performers | 📉 Bottom Performers |
|---|
| BFGFX | +38% |
YMAG | −20% |
| BRK-B | +17% |
TQQQ | −10% |
| TSLA | +7% |
UPRO | −5% |
Largest positions: TSLA $10.7K (26.1%) · BRK-B $6.7K (16.4%) · UPRO $7.0K (16.9%) · TQQQ $6.4K (15.5%)
📊 Combined UTMA Performance
✅ Winners (8 positions)
TER +284% · UEC +98% · NVDA +45% · BRK-B +43% · BFGFX +35% · TSLA +25% · AMZN +22% · NEE +8%
❌ Losers (13 positions)
UBER −1% · UPRO −5% · TQQQ −10% · OSCR −11% · META −16% · YMAG −21% · WTRG −21% · ACHR −31% · LVMHF −44% · LEN −45% · RBLX −45% · MSTR −68% · CSIQ −72%
📈 Performance Charts
Carlos Jr. vs Sebastián — Portfolio Comparison
Head-to-head comparison — both portfolios normalized to 100
Juniors vs Global Indices
Carlos Jr.
Sebastián
SPY (S&P 500)
QQQ (Nasdaq)
VT (Total World)
YTD performance — all lines normalized to 100 at Jan 1, 2026
🏦 Account Details
Carlos Jr. — Accounts
| Account | Type | Custodian | Balance | Status |
|---|
| CBA JR (#6347-9599) |
UTMA (FL) Until Age 18 |
Charles Schwab |
$71,219 |
ACTIVE |
| Custodian: C Sanchez · Consultant: Carla Cabrera (305-370-0346) |
Cost: $64,429 |
21 positions |
Sebastián — Accounts
| Account | Type | Custodian | Balance | Status |
|---|
| SBA JR (#1903-5504) |
UTMA (FL) Until Age 18 |
Charles Schwab |
$42,486 |
ACTIVE |
| Custodian: C Sanchez · Consultant: Carla Cabrera (305-370-0346) |
Cost: $40,372 |
6 positions |
🏛️ Irrevocable Trust Assets — CBS Legacy Trust II
📋 Trust Structure (per Stadig Johnson planning docs, July 2024)
CBS Legacy Trust II = the CURRENT irrevocable trust (replaced the original CBS Legacy Trust)
Trustee: Bridgeford Trust Company LLC · Grantor: Carlos · Beneficiaries: Carlos & Carlos's descendants
Trust Protector: Blanco TP LLC · Investment/Distribution Advisor: Blanco TA LLC
Trust Officer (signing): Danielle Keeton (Senior VP/Senior TO)
Note: OAs referencing "CBS Legacy Trust" (without "II") predate the substitution — same single irrevocable trust.
CBS Legacy Trust II — LLC Ownership (4 Entities)
All follow the 20/80 pattern: Trust holds 20% minority stake, Carlos/CBS Revocable Trust holds 80% + management control
| Entity | Trust Ownership | Units | Other Members (80%) | Entity Type | Manager |
|---|
| BA 0208 LLC |
20% |
20 of 100 |
Carlos Blanco Sanchez (80 units) |
Delaware LLC |
Carlos Blanco |
| ESP STE SF LLC |
20% |
20 of 100 |
Carlos Blanco (80 units) |
Delaware LLC |
Carlos Blanco |
| CBSB 0208 LLC |
20% |
20 of 100 |
CBS Revocable Trust (80 units) |
Delaware LLC · Formed May 3, 2024 |
Carlos Blanco |
| AROA ESP0208 LLC |
20% |
20 of 100 |
CBS Revocable Trust (80 units) |
Delaware LLC (SPE) · Amended Oct 2025 |
Carlos Blanco |
⚡ Key Findings from Complete 51-Entity Analysis
• ONE irrevocable trust: CBS Legacy Trust II (replaced the original CBS Legacy Trust)
• 4 entities have irrevocable trust ownership out of 51 total — all with 20% minority stakes
• Carlos retains 80% + management control in all entities — classic estate planning wealth transfer
• All irrevocable trust entities are "0208" or "STE SF" related — designated for wealth transfer
• 47 other entities have no irrevocable trust ownership (Carlos directly, ESP Apartments, CBS Revocable Trust, or JVs)
• Separate trust: CBS 2021 Security Trust (irrevocable, holds CBS LLC + life insurance) — not found in these OAs
📋 Related Entities (CBS Revocable Trust — Carlos's Personal Trust)
These are owned by CBS Revocable Trust (Carlos's personal trust), NOT the irrevocable trust for the kids.
| Entity | Owner | Ownership | Manager | Type | Formed | Tax Treatment |
|---|
| RAJR 2021 LLC |
CBS Revocable Trust |
100% sole member |
Carlos Blanco Sanchez |
Delaware LLC |
Nov 2021 |
Corporation |
| CBRA 2021 LLC |
CBS Revocable Trust |
100% sole member |
Carlos Blanco Sanchez |
Delaware LLC |
Nov 10, 2021 |
Corporation |
⚠️ RAJR 2021 LLC and CBRA 2021 LLC are Carlos's personal entities via his revocable trust — they are NOT part of the children's irrevocable trust structure.
Initial manager for both was Brian Manley, currently Carlos Blanco Sanchez as Trustee of CBS Revocable Trust.
🛡️ Life Insurance Policies
Carlos Jr. — MassMutual Whole Life
Policy #32801466 · Issued Feb 20, 2024 (age 5)
Face Amount$443,801
Death Benefit$453,516
Cash Value$644
Policy TypeWhole Life Legacy 20-Pay
Annual Premium$5,000
OwnerCarlos Blanco Sanchez
Beneficiary50% Carlos, 50% Regina
RidersWaiver of Premium, GI ($125K), ABR, TOI
📊 Statement as of Feb 20, 2025 · Agent: C. Machado, Coastal Wealth
Sebastián — MassMutual Whole Life
Policy #32801464 · Issued Feb 20, 2024 (age 1)
Face Amount$499,873
Death Benefit$510,168
Cash Value$605
Policy TypeWhole Life Legacy 20-Pay
Annual Premium$5,000
OwnerCarlos Blanco Sanchez
Beneficiary50% Carlos, 50% Regina
RidersWaiver of Premium, GI ($125K), ABR, TOI
📊 Statement as of Feb 20, 2025 · Agent: C. Machado, Coastal Wealth
🛡️ Carlos's Life Insurance Portfolio (Coverage for the Family)
8 policies total · Death benefit on Carlos's life: ~$62.3M · Total cash value: $3.75M · Annual premiums: ~$672K
| Company | Policy # | Type | Face Amount | Cash Value | Death Benefit | Premium/yr | Owner | Status |
|---|
| Protective |
B01130915 |
20-Yr Term |
$30,000,000 |
N/A |
$30,000,000 |
$33,072 |
CBS 2021 Security Trust |
✅ |
| John Hancock |
046145174 |
Indexed UL |
$20M+ |
$3,553,335 |
$23,553,335 |
$576,026 |
CBS, LLC → Byline Bank |
✅ |
| John Hancock |
New (Sep 2023) |
10-Yr Term |
$6,000,000 |
N/A |
$6,000,000 |
$2,866 |
TBD |
✅ |
| MassMutual |
22592172 |
WL 20-Pay |
$1,398,211 |
$115,603 |
$1,418,257 |
$25,000 |
CBS 2021 Security Trust |
✅ |
| MassMutual |
22684072 |
WL 20-Pay |
$1,310,960 |
$83,453 |
$1,373,455 |
$25,000 |
CBS 2021 Security Trust |
✅ |
| Prudential |
L9734926 |
Term |
Scanned doc |
N/A |
TBD |
TBD |
Bridgeford Trust |
✅ |
Trust Ownership: Protective $30M + MassMutual #22592172 & #22684072 + Prudential are all owned by CBS 2021 Security Trust (irrevocable, Bridgeford Trust Co. trustee). The JH IUL is owned by CBS, LLC and collateralized to Byline Bank. Total on Carlos's life: ~$62.3M.
🔮 Growth Projection — Full Asset Portfolio
Junior Net Worth Projection to Age 30
UTMA (7% + $15K/yr) · Own MM WL (CV curve) · Carlos's MM WL (10% PAIA) · Mariner Dr (4% RE) · ESP Ventures (15% venture)
Carlos Jr.
Sebastián
Combined
📊 Key Milestones
| Carlos Jr. | Year | Sebastián | Year |
|---|
| Today | $2.43M | 2026 (age 7) | $2.41M | 2026 (age 3) |
| 🎓 Age 18 | $6.34M | 2037 | $9.40M | 2041 |
| 📋 Age 21 | $8.50M | 2040 | $12.90M | 2044 |
| 💼 Age 25 | $12.91M | 2044 | $20.22M | 2048 |
| 💰 Age 30 | $22.73M | 2049 | $36.82M | 2053 |
💰 At age 30, 4% unitrust distributions begin:
Carlos Jr.: ~$909K/year guaranteed income (4% × $22.7M)
Sebastián: ~$1.47M/year guaranteed income (4% × $36.8M)
(Plus distributions from CBS 2021 Security Trust, CBS Legacy Trust II, and Children's Trust)
Not included: CBS Legacy Trust II (20% of 4 operating cos), CBS 2021 Security Trust ($62.3M death benefit), Children's Trust (main estate), future contributions beyond $15K/yr UTMA, kids' MM WL death benefits ($944K combined).
📝 Data Needed to Complete
| Item | For | Priority | Status |
|---|
| UTMA account statements (Schwab, Fidelity, etc.) | Carlos Jr. | Done | LOADED |
| UTMA account statements (Schwab, Fidelity, etc.) | Sebastián | Done | LOADED |
| CBS Legacy Trust (Irrevocable) — LLC ownership | Both | Done | LOADED |
| RAJR 2021 LLC / CBRA 2021 LLC — Schwab holdings | Both | High | NEEDED |
| Any real estate held in kids' names | Both | Medium | IF ANY |
| 529 College Savings Plan accounts | Both | Medium | IF ANY |
| Any other custodial accounts | Both | Low | IF ANY |
| Life insurance policies on kids' lives | Both | Done | LOADED |
| Ownership % in Carlos's companies | Both | Done | LOADED |
| Kids' birthdates (for projection timeline) | Both | Done | LOADED |