📋 Harvey Daily Summary — 2026-03-18

🔧 What I worked on:
• Full financial picture session — mapped all debt ($119K total), investments, net worth ($1.5M+), and built a complete debt payoff strategy
• Mortgage renewal strategy — variable rate recommendation, broker + current lender comparison, features to prioritize
• Tax return allocation plan — $10K arriving any day: wipe Amex Business + TD Visa, chip Amex personal
• Debt priority order locked in — 19% cards first, then LOCs, then Volvo, Bronco rides out, mortgage last
• Identified tax deduction opportunity — TD LOC + ScotiaLine interest (~$2,660/yr) likely deductible as business expense, not currently tracked in QB
• RESP risk glide path — calendar events set for 2028, 2031, 2033 drawdown milestones
• Added both car loans to YNAB Family Plan
• Channel memory files updated across all channels

💬 Conversations:
• telegram-personal: Deep dive on mortgage, debt, investments, Nicola's KC pension/RSUs, RESP, crypto, net worth sheet
• slack-customer-feedback: Missing item report escalated — customer (Aseefa) claims diamond ring + watch missing after cleaning visit, cleaner denies, customer threatening police report

✅ TODOs updated:
• NEW: Tax return lands → same day wipe Amex Business + TD Visa + chip Amex personal
• NEW: Get Volvo exact balance from Nicola (Scotia app)
• NEW: Pull Nicola's RSU vesting schedule (Fidelity/Merrill)
• NEW: Check Nicola's ESPP enrollment eligibility
• NEW: Check "Action required" flags on WS (Portfolio + Spousal RRSP)
• NEW: Pull credit report (Borrowell/Credit Karma) before mortgage renewal
• NEW: Flag TD LOC + ScotiaLine interest to accountant as business deduction
• NEW: Turn on Google Calendar daily agenda email
• STILL OPEN: Spring Fresh campaign execution — deadline March 21 (3 days left)

⚠️ Needs your attention:
• Missing item claim (Aseefa) — Abigael escalated, needs your guidance on how to handle before police report is filed
• Spring Fresh deadline is March 21 — only 3 days left, execution still pending (email blast, SMS, social, website banner)
• Nicola's TFSA is empty with likely $75K+ unused room — low-hanging fruit once debt is cleared
• RESP contribution is $220/mo but should be $417/mo to max CESG for 2 kids
• Car loan discrepancy — $51K in earlier session vs not in YNAB, needs clarification