Alvarado · Family Operations

Shared visibility into the businesses, accounts, and money flow we run together
Skeleton · created May 13, 2026 · last updated by — on —
Private to the Alvarado family · do not share this URL

0At a glance

If you have 30 seconds, this row tells you where we stand. Everything below is the detail.
Total cash on hand
TBD
across all accounts in §1
Total active debt
~$60,899
from May 13 snapshot · refresh on call
Net position
TBD
cash minus debt
Next unlock
TBD
when IRS personal plan completes
Read this page like a waterfall. Top sections describe where the money lives and comes from. The middle describes how it flows. The bottom describes what it fills and by when.

0.5Entities

Who and what is in this system. Each card is a legal person or entity that owns accounts, takes on debt, or makes decisions.
Luis Alvarado Person
Role Operator · primary on most accounts
W-2 employee of AlgoStrat Inc.
Ch. 7 case 25-22548-RAM · discharged Feb 2, 2026
AlgoStrat Inc. S-Corp
Role Primary revenue engine
Target revenue $500K/yr · ~$50K/mo
Payroll Gusto (auto deposits + filings)
Source April 2026 plan
Alvarado Intl Entity (type?)
Role Family-side operating pool
Last known checking balance $13,742 (Apr 2)
CONFIRM ON CALL legal structure, who's on the account
Family member · TBD Add
Add a card per family member who is an owner, signer, or decision-maker on any entity or account in this doc. Personal-personal accounts (not tied to family business) stay out.
Alvarado Enterprises, Inc. Dissolved
Florida Doc #P18000033627 · administratively dissolved Sep 27, 2024. Kept here for traceability — SBA loan rolled from this entity to personal, then discharged.

1Accounts — where money lives

Every bank/credit account in the family system. Last-4 only on this page — full numbers live in apps/family/private.md.

Checking

Savings · Reserves

Credit lines

2Inflows — where money comes from

Every source of money entering the system. Annotate cadence so the waterfall in §3 knows when to expect each pour.
AlgoStrat revenue Primary
~$50K /mo target
Cadence monthly (variable)
Lands in AlgoStrat Business Checking
Annual target $500K
Other inflows · TBD Add
Any other money entering the family system: family-member income that flows into shared accounts, consulting, royalties, asset sales, refunds (e.g., Kal $10K already recovered). Personal-personal income stays out.

2.5Authority

Who is allowed to edit, contribute, and verify what's in this doc.
Flat editing. Every family member can edit, add, and contribute to this document. There are no approval gates. The only rule: attach a source when you change a number (statement screenshot, transcript date, account login confirmation), and add a ledger entry in §7 so everyone can see who touched what.
What this doc is not. It is not a bank or a system of record. The bank statements, Gusto reports, and IRS transcripts are the truth. This doc mirrors them — when the doc and a statement disagree, the statement wins and the doc gets fixed.

3Waterfall — how money flows

When a dollar lands, this is the order it pours through. Each rule has a source, a destination, an amount or percentage, and a condition.

When $1 lands in AlgoStrat Business Checking

1
W-2 salary → Personal Checking (Luis)
$15,000 / mo
Fixed · runs through Gusto · ~$3,548 withheld for payroll tax → net $11,452 to personal
2
Business operating expenses
~$8,100 / mo
Contractors, tools, IRS AlgoStrat payment
3
Tax set-aside on distributions
~30% of remainder
Reserved before distribution lands · ~$8K/mo at target revenue
4
S-Corp distribution → Personal Checking (Luis)
remainder · ~$26.8K / mo at target
Only if revenue ≥ ops + salary + tax reserve. If revenue is low, distribution shrinks or skips.

When $1 lands in Personal Checking (Luis)

1
IRS Personal installment
$6,600 – $7,000 / mo
6-month plan · federal enforcement risk if missed · unlocks ~$6,600/mo when complete
2
Credit cards (CC + CC Cash)
wipe ASAP
Highest APR (16.74%) · cleared with available cash before chipping at Line of Credit
3
Line of Credit principal
$3,750 / mo
After Alvarado Intl drains in month 1 · targets full payoff end of 2026
4
Life · groceries, fuel, household
remainder
DEFINE ON CALL baseline monthly budget

When $1 lands in Alvarado Intl Checking

1
Line of Credit principal
drain to $0 in month 1
$13,742 → $0 · handoff to Personal Checking in month 2
+
Add additional pours from this account
—
If Alvarado Intl has its own operating expenses or family obligations, add them here.
Unlock event. When the IRS Personal plan completes (~6 months from start), ~$6,600/mo comes back online. That's the moment the strategy shifts from stabilization to elimination or deployment. Update §3 + §5 the month before it lands.

4Obligations — debts and recurring

Every debt and recurring obligation in the system. Pre-filled from the May 13 audit — verify and update on the call.
Active Pending / In process Discharged Closed

Tier 1 · Personal (Luis)

IRS Personal · Form 1040 Active
$15,025.65
Assessed $14,060.40 · Penalty $275.67 · Interest $689.58
Tax year 2024
Survives Ch. 7 yes (recent tax debt)
Source · IRS transcript needed · last verified April 2026
IRS · ~$40K bucket Reconcile
~$40,000
Plan 6-month installment · $6,600 – $7,000 /mo
RECONCILE ON CALL is this the same debt as the $15,025.65 above, or different?
Source · prior thread handoff · ambiguous
Student Loans (Nelnet / DOE) Adversary
$2,942.20 past due
Interest 3.4% – 4.66% · Per-loan $1.4K – $3.5K
Attorney James Alan Poe · Stage 1 $1,500 · Stage 2 $2,500 if filed
PENDING total principal · status call with Poe
Source · adversary proceeding notes · Apr 2026
SBA Loan / Treasury Discharged
$15,035+
Discharged Feb 2, 2026 · Ch. 7 Case 25-22548-RAM
SBA #7896227408 · Treasury #22443323
Servicer Pioneer Credit Recovery — do not engage
Protection 11 U.S.C. § 524 discharge injunction

Tier 2 · Business (AlgoStrat Inc)

IRS AlgoStrat · Form 1120 Active
$17,653.94
Assessed $15,827.15 · Penalty $1,074.78 · Interest $752.01
Tax year 2024 · Pay source AlgoStrat business checking
VERIFY $5K Sep 2025 settled payment — has it been applied?
Source · IRS notice · April 2026
Payroll tax · 941 / 940 Recurring
$5,147.50 /mo
Annual 941 ~$38,400 · FUTA (940) $42/yr
Cadence quarterly 941 + annual 940 (Gusto auto)
Note: $452.50/mo above baseline — likely intentional excess for distribution taxes
Source · accountant's EFTPS schedule

Tier 3 · Family side (Alvarado Intl)

Numbers below from April 2, 2026. Credit card balances change weekly — refresh before the meeting.
Account Balance APR Pay source Notes
Credit Card (CC)$2,98116.74%Personal checkingWipe first — highest APR
CC Cash$3,07116.74%Personal checkingHolds AWS, GPT, Google, Whoop, Function Health
Line of Credit$19,22613.25%Alvarado Intl + PersonalEarlier note $17,726.77 — moving target
Total family debt$25,278

Closed · for the record

Kal Trading Mentorship Resolved
$10,000
Full $10K refund recovered Apr 24, 2026 (after Chase dispute). Do not reference as ongoing.
Pioneer Credit Recovery Do not engage
Servicer for Treasury #22443323. Any post-Feb 2 contact = potential § 524 violation. Route through Poe.

5Timeline — the 6-month plan

Month-by-month projection. What gets paid, what gets cleared, what unlocks. Update after the call with real numbers.
Obligation May Jun Jul Aug Sep Oct
IRS Personal installment ——————
IRS AlgoStrat ——————
Credit cards (CC + CC Cash) ——————
Line of Credit ——————
Payroll tax (Gusto auto) $5,147.50$5,147.50$5,147.50$5,147.50$5,147.50$5,147.50
Running family debt total ——————

Scenarios

5.5Liquidity — if today went sideways

How many months of runway we have, where the emergency money is, and in what order accounts get drained if something breaks.
Months of runway
TBD
cash on hand ÷ monthly burn
Emergency fund
TBD
dedicated savings, if any
Monthly burn
TBD
obligations + life baseline

Drain order — if cash is needed urgently

6Open loops

Things we know need attention. Each row has an owner and a by-when.
Item Owner By when Status
Pull current IRS account transcript (reconcile $40K vs $15,025.65) Luis TBD Open
Refresh family CC balances ($2,981 / $3,071 / $19,226) — TBD Open
Verify $5K Sep 2025 settled payment applied to AlgoStrat IRS Accountant TBD Open
Pull student loan total principal from Nelnet / studentaid.gov — TBD Open
Status call with James Alan Poe (student loan adversary) Luis TBD Open
Log any Pioneer activity since Feb 2, 2026 (§ 524 damages potential) Luis Ongoing Open
Quick check: Alvarado Intl checking current balance — TBD Open
Explore Chase Sapphire / Ink 0% APR transfer for Line of Credit Jenny TBD Lever
Cancel OpenAI subscription ($240/yr saving — Claude is primary) — TBD Quick win

7Ledger — who did what

Append-only log. Every time someone touches this doc or the underlying money, they add a line here. This is how the family stays in sync without meetings.
2026-05-13
Created skeleton from May 13 debt audit · structure: at-a-glance / entities / accounts / inflows / authority / waterfall / obligations / timeline / liquidity / open loops / ledger
Luis
YYYY-MM-DD
Add a line each time you update a balance, mark something done, or make a decision. Include source if changing a number.
name