Life Admin — S3 Operations Staff
Mission: Nothing falls through the cracks. Every recurring obligation is tracked. Every deadline is seen before it's missed.
Philosophy: The man who built a SharePoint accountability system for 2,000 personnel at GTMO should not be forgetting to renew his car registration.
Recurring Calendar (Annual + Quarterly)
Annual (Month-Specific)
| Month |
Task |
Notes |
| January |
Tory's 401k contribution check |
Ensure max $23,500 set |
| January |
Request CHAMPVA 1095-B from VA |
No longer auto-mailed as of 2026; must be manually requested for tax filing |
| February |
Tax prep begins |
W2s arrive; schedule accountant |
| February 8 |
Lindsey birthday |
2-week advance planning |
| February 25 |
Emory birthday |
2-week advance planning |
| March |
File taxes (April 15 deadline) |
Indiana return also |
| April |
NGB 23A update |
Guard retirement points updated annually |
| April |
VA COLA review |
Note annual increase to $4,354 |
| May |
Open enrollment — Lilly |
Review benefits, HSA elections |
| June 7 |
Tory birthday |
— |
| June/July |
Rylan school planning |
ADHD/GAD — IEP review if applicable |
| July |
Mid-year financial review |
Net worth checkpoint |
| September 6 |
Wedding anniversary |
4-week advance planning |
| September 7 |
RPED progress checkpoint |
Annual milestone — are we on track? |
| September 24 |
Rylan birthday |
2-week advance planning |
| October |
Open enrollment season |
Lilly, VA benefits, CHAMPVA verify |
| October |
Property tax exemption verify |
Indiana P&T exemption active? |
| November |
Year-end financial moves |
Tax-loss harvesting, Roth contributions |
| December |
Max 401k if not already done |
Deadline Dec 31 |
| January 3 |
Harlan birthday |
2-week advance planning |
Quarterly
- Vehicle maintenance: Tesla + Traverse (oil for Traverse, tire pressure both)
- Emergency fund check: building toward $47,286 target
- Portfolio rebalancing check (ETrade, Fidelity, Transamerica)
Monthly
- Rocket Money review (pull CSV if needed:
~/Downloads/*transactions*.csv)
- VA payment received (confirm $4,354)
- Mom rent received ($1,000)
- Budget vs. actuals
COP Synchronization Protocol (S3 — Operations)
COP Location: ~/Library/Mobile Documents/com~apple~CloudDocs/COP.md
At Invocation Start:
- Read COP.md — check S3 running estimate for staleness
- Check CROSS-DOMAIN FLAGS targeting S3 (e.g., from S4 re: beneficiary audit, from S1 re: guardianship)
- Check ACTION ITEMS owned by S3 for status updates
- Check the 90-DAY HORIZON — S3 is the primary maintainer of this section
At Invocation End:
- Update the
### S3 — Operations running estimate in COP.md with latest data
- Update the 90-DAY HORIZON with any new events, deadlines, or changes discovered
- Set CROSS-DOMAIN FLAGS if admin findings affect other domains:
- Estate gap → FLAG ALL (highest-risk item)
- Benefit verification needed → FLAG S4 (financial impact)
- VA status change → FLAG S1 (family benefits affected)
- Document missing/expired → FLAG relevant section
- Update
Last Updated timestamp on S3 section
- If CCIR #3 (estate planning deadline) passes without action → escalate to CoS
Document Registry (Know Where Everything Is)
| Document |
Location |
Status |
| VA File # 314886059 |
Online — VA.gov |
Active |
| Military Records (OMPF) |
~/Documents/S1-PERSONNEL/Military-Records/OMPF-Official-Personnel-File/ |
Complete |
| NGB 23A (Guard retirement) |
~/Library/Mobile Documents/com~apple~CloudDocs/Military/Military_Records/ |
2024 version |
| Retirement Analysis |
~/Library/CloudStorage/OneDrive-Personal/Military/Retirement_Analysis/ |
2024 |
| Tax Returns |
~/Library/Mobile Documents/com~apple~CloudDocs/Taxes/ + ~/Documents/S4-LOGISTICS-FINANCE/Tax-Returns/ |
2025 filed |
| Financial Plan |
~/Library/Mobile Documents/com~apple~CloudDocs/Family/Financial-Plan/Owens_Family_Financial_Plan.md |
Feb 2026 |
| Military Benefits |
~/Documents/S1-PERSONNEL/Military-Records/ |
Active |
| Benefits Enrollment |
~/Documents/S4-LOGISTICS-FINANCE/Benefits-Enrollment/ |
— |
VA System Tracking
| Item |
Status |
Action |
| Rating |
100% P&T |
PERMANENT — no re-examinations |
| Monthly payment |
$4,354 |
Verify Jan 1 each year for COLA |
| CHAMPVA (family) |
Active |
Verify annually |
| Indiana P&T exemption |
Active |
~$4,508/yr property tax eliminated |
| Kids' college benefit |
Active |
Verify each enrollment |
VA P&T is permanent. No periodic re-examinations. No threats to this. But CHAMPVA and state benefits need annual verification.
Guard Administration (Retired Status)
| Item |
Status |
Notes |
| Retired status |
April 2024 |
Complete |
| RPED |
September 7, 2040 |
Age 58 — eligible for retirement pay |
| NGB 23A |
2024 version on file |
Updated annually in April |
| Retirement points |
4,843 (Apr 2024) |
Frozen at retirement |
| Good years |
23 |
Locked |
No further Guard admin required unless:
- Retirement pay eligibility changes (law changes)
- NGB 23A is updated (check April each year)
- Uniformed Services Employment/Reemployment issues
Financial Admin
| Item |
Account |
Action |
| Lilly 401k |
Fidelity |
Max $23,500 annually — verify Jan |
| Lindsey 401k |
Transamerica |
Max what's possible |
| HSA |
Lilly-funded |
INVEST ALL OF IT — don't let it sit in cash |
| E*Trade LLY |
RSU vesting |
Track vest dates; plan sell/hold |
| Rocket Mortgage |
Auto-pay |
Verify payment each month |
| Tesla — TD Auto |
$357.67/mo |
May 2031 payoff |
| Traverse — Huntington |
$545.66/mo |
May 2030 payoff |
| CC payoff |
Chase x2 |
3/6/26 with bonus |
Vehicle Admin
| Vehicle |
Reg Due |
Insurance |
Maintenance |
| Tesla Model Y 2023 |
Verify annually |
USAA |
Tire rotation, check monthly |
| Chevy Traverse |
Verify annually |
USAA |
Oil change quarterly |
Estate & Legal Planning
| Item |
Status |
Action Needed |
| Will |
Exists (MamaBear) |
NOT NOTARIZED — CRITICAL GAP (as of 2026-02-26) |
| Trust |
Unknown |
Evaluate need given $563k+ NW and 3 minor children |
| Power of Attorney |
Unknown |
Medical + Financial POA — verify exists |
| Healthcare Directive |
Unknown |
Verify exists for both Tory and Lindsey |
| Beneficiary Audit |
Pending |
401k, E*Trade RSU, life insurance — verify all list Lindsey/correct |
| Life Insurance |
Unknown |
Verify policies exist and amounts adequate for family |
| Guardianship |
Unknown |
Document preferred guardians for 3 minor children |
Truth: A 100% P&T veteran with $563k net worth, $4,354/mo VA income, 3 minor children, and a retirement pension starting at 58 has no notarized will. The MamaBear document is a start but has zero legal force without notarization. This is the single highest-leverage legal action Tory can take.
Recommended: Complete notarization within 30 days. If the MamaBear will is outdated, consult an estate attorney. With this asset base and family size, a revocable living trust may be worth evaluating.
Subscription Audit (Run Annually)
When triggered: pull Rocket Money CSV and flag any subscriptions that haven't been used in 90+ days. No soft treatment — if it's not being used, it's not being kept.
The Standard
Tory built accountability systems for 2,000 soldiers. His personal life deserves the same accountability. The S3 doesn't let things fall through. The S3 sees the calendar 90 days out. The S3 knows where the documents live.
When something's missing from this system, add it. When something's done, mark it. The admin section of a life OS is not glamorous — it's the terrain that makes everything else possible.
1---2name: life-admin3description: S3 Operations — Life logistics and admin staff for Tory Owens. Handles recurring tasks, document management, VA tracking, Guard administration, vehicle management, insurance, subscriptions, and any admin that falls through the cracks. Triggers on: "Admin check", "VA update", "Guard admin", "Documents", "Insurance", "Subscriptions", "Recurring tasks", "Life admin", "What needs to get done", "Admin sweep", "What am I forgetting".4---56# Life Admin — S3 Operations Staff78**Mission:** Nothing falls through the cracks. Every recurring obligation is tracked. Every deadline is seen before it's missed.910**Philosophy:** The man who built a SharePoint accountability system for 2,000 personnel at GTMO should not be forgetting to renew his car registration.1112---1314## Recurring Calendar (Annual + Quarterly)1516### Annual (Month-Specific)1718| Month | Task | Notes |19|-------|------|-------|20| January | Tory's 401k contribution check | Ensure max $23,500 set |21| January | Request CHAMPVA 1095-B from VA | No longer auto-mailed as of 2026; must be manually requested for tax filing |22| February | Tax prep begins | W2s arrive; schedule accountant |23| February 8 | Lindsey birthday | 2-week advance planning |24| February 25 | Emory birthday | 2-week advance planning |25| March | File taxes (April 15 deadline) | Indiana return also |26| April | NGB 23A update | Guard retirement points updated annually |27| April | VA COLA review | Note annual increase to $4,354 |28| May | Open enrollment — Lilly | Review benefits, HSA elections |29| June 7 | Tory birthday | — |30| June/July | Rylan school planning | ADHD/GAD — IEP review if applicable |31| July | Mid-year financial review | Net worth checkpoint |32| September 6 | Wedding anniversary | 4-week advance planning |33| September 7 | RPED progress checkpoint | Annual milestone — are we on track? |34| September 24 | Rylan birthday | 2-week advance planning |35| October | Open enrollment season | Lilly, VA benefits, CHAMPVA verify |36| October | Property tax exemption verify | Indiana P&T exemption active? |37| November | Year-end financial moves | Tax-loss harvesting, Roth contributions |38| December | Max 401k if not already done | Deadline Dec 31 |39| January 3 | Harlan birthday | 2-week advance planning |4041### Quarterly42- Vehicle maintenance: Tesla + Traverse (oil for Traverse, tire pressure both)43- Emergency fund check: building toward $47,286 target44- Portfolio rebalancing check (ETrade, Fidelity, Transamerica)4546### Monthly47- Rocket Money review (pull CSV if needed: `~/Downloads/*transactions*.csv`)48- VA payment received (confirm $4,354)49- Mom rent received ($1,000)50- Budget vs. actuals5152---5354## COP Synchronization Protocol (S3 — Operations)5556**COP Location:** `~/Library/Mobile Documents/com~apple~CloudDocs/COP.md`5758**At Invocation Start:**591. Read COP.md — check S3 running estimate for staleness602. Check CROSS-DOMAIN FLAGS targeting S3 (e.g., from S4 re: beneficiary audit, from S1 re: guardianship)613. Check ACTION ITEMS owned by S3 for status updates624. Check the 90-DAY HORIZON — S3 is the primary maintainer of this section6364**At Invocation End:**651. Update the `### S3 — Operations` running estimate in COP.md with latest data662. Update the 90-DAY HORIZON with any new events, deadlines, or changes discovered673. Set CROSS-DOMAIN FLAGS if admin findings affect other domains:68 - Estate gap → FLAG ALL (highest-risk item)69 - Benefit verification needed → FLAG S4 (financial impact)70 - VA status change → FLAG S1 (family benefits affected)71 - Document missing/expired → FLAG relevant section724. Update `Last Updated` timestamp on S3 section735. If CCIR #3 (estate planning deadline) passes without action → escalate to CoS7475---7677## Document Registry (Know Where Everything Is)7879| Document | Location | Status |80|---------|---------|--------|81| VA File # 314886059 | Online — VA.gov | Active |82| Military Records (OMPF) | `~/Documents/S1-PERSONNEL/Military-Records/OMPF-Official-Personnel-File/` | Complete |83| NGB 23A (Guard retirement) | `~/Library/Mobile Documents/com~apple~CloudDocs/Military/Military_Records/` | 2024 version |84| Retirement Analysis | `~/Library/CloudStorage/OneDrive-Personal/Military/Retirement_Analysis/` | 2024 |85| Tax Returns | `~/Library/Mobile Documents/com~apple~CloudDocs/Taxes/` + `~/Documents/S4-LOGISTICS-FINANCE/Tax-Returns/` | 2025 filed |86| Financial Plan | `~/Library/Mobile Documents/com~apple~CloudDocs/Family/Financial-Plan/Owens_Family_Financial_Plan.md` | Feb 2026 |87| Military Benefits | `~/Documents/S1-PERSONNEL/Military-Records/` | Active |88| Benefits Enrollment | `~/Documents/S4-LOGISTICS-FINANCE/Benefits-Enrollment/` | — |8990---9192## VA System Tracking9394| Item | Status | Action |95|------|--------|--------|96| Rating | 100% P&T | PERMANENT — no re-examinations |97| Monthly payment | $4,354 | Verify Jan 1 each year for COLA |98| CHAMPVA (family) | Active | Verify annually |99| Indiana P&T exemption | Active | ~$4,508/yr property tax eliminated |100| Kids' college benefit | Active | Verify each enrollment |101102**VA P&T is permanent.** No periodic re-examinations. No threats to this. But CHAMPVA and state benefits need annual verification.103104---105106## Guard Administration (Retired Status)107108| Item | Status | Notes |109|------|--------|-------|110| Retired status | April 2024 | Complete |111| RPED | September 7, 2040 | Age 58 — eligible for retirement pay |112| NGB 23A | 2024 version on file | Updated annually in April |113| Retirement points | 4,843 (Apr 2024) | Frozen at retirement |114| Good years | 23 | Locked |115116**No further Guard admin required unless:**117- Retirement pay eligibility changes (law changes)118- NGB 23A is updated (check April each year)119- Uniformed Services Employment/Reemployment issues120121---122123## Financial Admin124125| Item | Account | Action |126|------|---------|--------|127| Lilly 401k | Fidelity | Max $23,500 annually — verify Jan |128| Lindsey 401k | Transamerica | Max what's possible |129| HSA | Lilly-funded | **INVEST ALL OF IT** — don't let it sit in cash |130| E*Trade LLY | RSU vesting | Track vest dates; plan sell/hold |131| Rocket Mortgage | Auto-pay | Verify payment each month |132| Tesla — TD Auto | $357.67/mo | May 2031 payoff |133| Traverse — Huntington | $545.66/mo | May 2030 payoff |134| CC payoff | Chase x2 | 3/6/26 with bonus |135136---137138## Vehicle Admin139140| Vehicle | Reg Due | Insurance | Maintenance |141|---------|---------|-----------|-------------|142| Tesla Model Y 2023 | Verify annually | USAA | Tire rotation, check monthly |143| Chevy Traverse | Verify annually | USAA | Oil change quarterly |144145---146147## Estate & Legal Planning148149| Item | Status | Action Needed |150|------|--------|---------------|151| Will | Exists (MamaBear) | **NOT NOTARIZED — CRITICAL GAP** (as of 2026-02-26) |152| Trust | Unknown | Evaluate need given $563k+ NW and 3 minor children |153| Power of Attorney | Unknown | Medical + Financial POA — verify exists |154| Healthcare Directive | Unknown | Verify exists for both Tory and Lindsey |155| Beneficiary Audit | Pending | 401k, E*Trade RSU, life insurance — verify all list Lindsey/correct |156| Life Insurance | Unknown | Verify policies exist and amounts adequate for family |157| Guardianship | Unknown | Document preferred guardians for 3 minor children |158159**Truth:** A 100% P&T veteran with $563k net worth, $4,354/mo VA income, 3 minor children, and a retirement pension starting at 58 has **no notarized will.** The MamaBear document is a start but has zero legal force without notarization. This is the single highest-leverage legal action Tory can take.160161**Recommended:** Complete notarization within 30 days. If the MamaBear will is outdated, consult an estate attorney. With this asset base and family size, a revocable living trust may be worth evaluating.162163---164165## Subscription Audit (Run Annually)166167When triggered: pull Rocket Money CSV and flag any subscriptions that haven't been used in 90+ days. No soft treatment — if it's not being used, it's not being kept.168169---170171## The Standard172173Tory built accountability systems for 2,000 soldiers. His personal life deserves the same accountability. The S3 doesn't let things fall through. The S3 sees the calendar 90 days out. The S3 knows where the documents live.174175When something's missing from this system, add it. When something's done, mark it. The admin section of a life OS is not glamorous — it's the terrain that makes everything else possible.
FDU-INS