Family Information

Generated: August 20, 2025

Source Documents: 15

Family Members

First Name	Last Name	Date of Birth	Age	Relationship	Email	Address	Occupation	Primary Source	Notes
Robert	Patterson	March 2, 1982	43	Self	rpatter@gmail.com	347 W 142ND ST APT 1, New York, NY 10029	VP Technology	NY Driver License	Insured on Pacific Life Term Life Insurance Policy VF98799213 (Source: Pacific Life Term Life Insurance, p.1). Insured on EquiTrust Life Insurance Policy EQ000123456L (Source: EquiTrust Life Insurance, p.3).
Vihaanika	Somnath	N/A	N/A	Spouse		347 W 142nd St. Apt 1, New York, NY 10029	Product	Vihaanika Somnath Pay Stubs	Named insured on GEICO Auto Policy (Source: GEICO Declarations Page, p.1) and Narragansett Bay Homeowners Policy (Source: Narragansett Bay Homeowners Declarations Page, p.1). Joint borrower on TD Bank Mortgage (Source: TD Bank Mortgage Statement, p.1).
Marie A.	Charbonneaux	N/A	N/A	Extended Family				Charbonneaux Trust Agreement	Grantor and initial co-trustee of the Charbonneaux Trust Agreement (Source: Charbonneaux Trust Agreement, p.1, 5). Has three children: Marie Christine Penaud, Dominique Maitre, and Nelly Charbonneaux, who are primary beneficiaries of the trust (Source: Charbonneaux Trust Agreement, p.4).
Marie Christine	Penaud	N/A	N/A	Extended Family				Charbonneaux Trust Agreement	Resides at 1 Passage St., Ferdinand, Neuilly 92000, France. Beneficiary of the Charbonneaux Trust (Source: Charbonneaux Trust Agreement, p.4).
Dominique	Maitre	N/A	N/A	Extended Family				Charbonneaux Trust Agreement	Resides at rue du Moulin à Vent, Fourqueux 78112, France. Beneficiary of the Charbonneaux Trust (Source: Charbonneaux Trust Agreement, p.4).
Nelly	Charbonneaux	N/A	N/A	Extended Family				Charbonneaux Trust Agreement	Resides at 15 rue Michel Lecomte, Paris 78003, France. Beneficiary of the Charbonneaux Trust (Source: Charbonneaux Trust Agreement, p.4).

Assets Overview

Generated: August 20, 2025

Source Documents: 9

Asset Details

Asset Name	Asset Value	Annual Savings	Asset Type	Use Category	As Of Date	Notes
Vihaanika Somnath's True Analytics Checking x2497	$0.00	$0.00	Cash	Cash Reserve	N/A	Checking account balance not found in provided documents.
Vihaanika Somnath's True Analytics 401K	$0.00	$18,500.00	Tax-Deferred	Retirement	N/A	401K account value not found in provided documents. Annual savings based on YTD deduction from 12/15/2024 paystub.
Robert Patterson's Vioxx Inc. Checking x4321	$0.00	$0.00	Cash	Cash Reserve	N/A	Checking account balance not found in provided documents.
Robert Patterson's Vioxx Inc. 401k (Pre-Tax)	$0.00	$10,000.00	Tax-Deferred	Retirement	N/A	401K account value not found in provided documents. Annual savings based on YTD before-tax deduction from 07/15/2024 paystub.
Robert Patterson's Vioxx Inc. Roth 401k (After-Tax)	$0.00	$9,500.00	Tax-Free	Retirement	N/A	Roth account value not found in provided documents. Annual savings based on YTD after-tax deduction from 07/15/2024 paystub.
347 West 142nd Street, New York, NY 10029	$1,865,000.00	$0.00	Real Estate	Personal Real Estate	May 26, 2025	Asset value based on Dwelling Coverage A from Homeowners Declarations Page.
Robert Patterson's EquiTrust Life Insurance EQ000123456L	$105,000.00	$0.00	Life Insurance	Insurance	January 1, 2017	Cash surrender value not found; asset value based on initial single premium ($100,000) plus 5% premium bonus ($5,000). This is a single premium policy, therefore no annual savings.
Robert Patterson's Pacific Life Term Life Insurance VF98799213	$0.00	$432.00	Life Insurance	Insurance	May 1, 2008	Term life insurance policy has no cash surrender value. Annual savings based on annual premiums ($36.00/month * 12).
2016 Toyota RAV4 YZ3PQRST2D9876543	$0.00	$0.00	Personal Property	Other	January 15, 2025	Vehicle value not found in provided documents.
Charbonneaux Revocable Trust	$0.00	$0.00	Other	Other	N/A	The trust document states assets are listed on an attached schedule, which was not provided. Asset value is unknown.

Areas of Attention

No explicit balances for checking accounts were found in the provided documents.
No explicit balances for 401K/Roth accounts were found in the provided documents, only YTD contributions.
The attached schedule of property for the Charbonneaux Revocable Trust was not provided, so its value could not be determined.
No valuation information (e.g., KBB) was found for the 2016 Toyota RAV4.

Liabilities Overview

Generated: Aug 20, 2025

Source Documents: 10

Liability Details

Liability Name	Outstanding Balance	Interest Rate	Monthly Payment	As of Date	Notes
TD Bank Mortgage	$2,019,095.37	2.38%	$8,784.72	Jun 3, 2025	Mortgage statement from TD Bank. Monthly payment includes principal, interest, and escrow.
Marriott Bonvoy Credit Card	$3,577.37	20.24%	$40.00	Apr 20, 2025	Credit card statement from Chase. Variable interest rate.

Areas of Attention

Marriott Bonvoy Credit Card has a high variable interest rate (20.24%).

Income Overview

Generated: August 20, 2025

Source Documents: 9

Income Sources

Description	Recipient	Category	Amount	Frequency	Annual Amount	Status	Guaranteed	Notes
Vihaanika Somnath - Salary from True Analytics, Inc.	Vihaanika Somnath	Salary	$7,916.67	Semi-Monthly	$190,000.08	Current	Yes	Source: Pay Stub from True Analytics, Inc., Period End Date 12/31/2024, Pay Date 01/07/2025
Interest from EquiTrust Life Insurance Policy	Robert Patterson	Interest	$2,000.00	Annually	$2,000.00	Current	Yes	Source: EquiTrust Life Insurance Policy (Policy Data Page, page 3 of 4). Annualized amount calculated based on the Minimum Guaranteed Policy Rate of 2.00% on a single premium of $100,000. Policy remains active until 2093.

Areas of Attention

Robert Patterson's salary from Vioxx, Inc. (from 2024 pay stub) could not be confirmed as current income without a more recent document to verify continued employment.
The Charbonneaux Trust Agreement mentions 'net income from the trust' being paid in installments to the grantor, but no specific amount is provided to quantify this income source.

Savings Overview

Generated: August 20, 2025

Source Documents: 9

Savings Activities

Category	Description	Owner	Destination	Amount	Frequency	Annual Amount	Start Date	End Date	Status	Notes
Retirement	401(k) Contribution	Self	Unknown	$791.67	Semi-Monthly	$19,000.08	December 16, 2024	N/A	Active	Source: Pay Stub (Period End Date 2024-12-31) for Vihaanika Somnath.
Investment	Single Premium Whole Life Insurance Contribution	Spouse	EquiTrust Life Insurance Policy EQ000123456L	$100,000.00	One-Time	$100,000.00	January 1, 2017	N/A	Inactive	Source: EquiTrust Life Insurance Policy (Policy Data Page, 2017-01-01) for Robert Patterson.

Insurance Policies

Generated: August 20, 2025

Source Documents: 7

Policy Details

Carrier	Policy Number	Category	Type	Main Coverage	Premium	Notes
GEICO General Insurance Company	4321-54-98-43	Auto	Personal Auto	Liability: 50/100/25	$506.60 semi-annually	Source: GEICO Auto Insurance Declarations Page dated December 13, 2024 Owner: Robert Patterson & Vihaanika Somnath Additional coverages: Bodily Injury Liability: 50000/100000 (Deductible: $0.00) Property Damage Liability: 25000 (Deductible: $0.00) Basic Personal Injury Protection: 50000 (Deductible: $0.00) Supplementary Uninsured/Underinsured Motorists (SUM): 50000/100000 (Deductible: $0.00) Emergency Road Service: Unknown (Deductible: $0.00)
Narragansett Bay Insurance	NYH0321987	Property	Homeowners	$1,865,000.00	$4,766.00 annually	Source: Homeowners Declarations Page Policy Number NYH0321987 Owner: Robert Patterson & Vihaanika Somnath Additional coverages: Other Structures: 93250 (Deductible: $0.00) Personal Property: 372690 (Deductible: $0.00) Loss of Use: 372690 (Deductible: $0.00) Personal Liability: 1000000 (Deductible: $0.00) Medical Payments To Others: 5000 (Deductible: $0.00) All Perils Other Than Hurricane Deductible: Unknown (Deductible: $2,500.00) Hurricane Deductible: Unknown (Deductible: $2,500.00) Ordinance or Law Coverage: 10% (Deductible: $0.00) Off Premises Theft Exclusion: Included (Deductible: $0.00) Inflation Guard: 4% (Deductible: $0.00) Additional Amount of Insurance for Coverage A: Guaranteed Replacement Cost (Deductible: $0.00)
EquiTrust Life Insurance Company	EQ000123456L	Life	Indexed Universal Life (IUL)	$297,000.00	$100,000.00 other	Source: EquiTrust Life Insurance Policy Data Page. This is a single premium policy. Includes Accelerated Death Benefit Rider, Partial Withdrawal without Surrender Charge Rider, Minimum Cash Surrender Value Rider, and Premium Bonus Rider.

Carrier

Policy Number

Areas of Attention

Pay statements for Vihaanika Somnath indicate employer-sponsored medical, long-term disability, short-term disability, life, and AD&D benefits, but specific policy details (carrier, policy numbers, coverage limits) are not provided in the documents to create full policy entries.

Estate Planning Overview

Generated: Aug 20, 2025

Source Documents: 1

Estate Planning Documents

Client Name	Document Type	Date Created	Date Updated	Status	Attorney/Firm	Executor/Trustee	Primary Beneficiaries	Contingent Beneficiaries	Key Provisions	Notes
Marie A. Charbonneaux	Revocable Living Trust	Dec 17, 1992	N/A	Current	N/A	Marie A. Charbonneaux, Yaakov Borenstein, Carlyle C. Ring, Jr.	Virginia Fernandez, Maria Elena Diaz, Eglise St. Louis, Mr. and Mrs. Robert Bolt...	Children's issue per stirpes	Revocable trust created by Marie A. Charbonneaux. Grantor retains right to income and principal duri...	Source: CHARBONNEAUX TRUST. This document is the current and executed version of the client's revoca...

Areas of Attention

Missing essential document: Last Will & Testament
Missing essential document: Durable Power of Attorney (Financial)
Missing essential document: Healthcare Power of Attorney
1 document(s) are more than 5 years old and may need review

Family Information

Family Members

Assets Overview

Asset Details

Areas of Attention

Liabilities Overview

Liability Details

Areas of Attention

Income Overview

Income Sources

Areas of Attention

Savings Overview

Savings Activities

Tax Summary

Insurance Policies

Policy Details

Areas of Attention

Estate Planning Overview

Estate Planning Documents

Areas of Attention