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Disbanding
Our club is disbanding with the plan to enter all
withdrawals in Bivio on 9/25, using 9/24 as our valuation
date. Looking at the member withdrawal form, I see that we
can check either cash or stocks, not both. What am I not
understanding? Is it true that we can do a practice
withdrawal and then back out of it?
Thanks for any help here. We want to get this right!
If you choose "stocks", it means stocks plus cash. You select the stocks and the program calculates how much cash you need to complete the transaction.

Yes, you can enter trial withdrawals and then delete them.

Ira Smilovitz

On Fri, Sep 19, 2025 at 5:55 AM Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:
Our club is disbanding with the plan to enter all
withdrawals in Bivio on 9/25, using 9/24 as our valuation
date. Looking at the member withdrawal form, I see that we
can check either cash or stocks, not both. What am I not
understanding? Is it true that we can do a practice
withdrawal and then back out of it?
Thanks for any help here. We want to get this right!
It doesn't matter. When you enter the withdrawals, just enter that the cash will be coming from the bank account.

Ira Smilovitz

On Sat, Sep 20, 2025 at 3:39 PM Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:
Sorry to be a nuisance with questions...but. I think we have
made a mistake..
We transferred all of our cash out of Schwab to a bank.
Thursday we plan to enter the stock transfers into Bivio,
but I'm thinking that we should have waited to move the cash
so that Bivio could calculate the stocks as we enter them to
various members and then calculate what portion of the cash
they should have. Should we transfer the $ back into Schwab
until the withdrawals have been entered into Bivio?
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
Sarah

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab.

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members. 

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah 

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab. 

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
Will keep you posted. This week we plan to enter everything into Bivio and then fill out Schwab paperwork to turn in soon after. Our nearby Schwab
branch has been very helpful.

On Sun, Sep 21, 2025 at 6:04 PM Tracy, Molly M via bivio.com <user*40992200001@bivio.com> wrote:
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members.

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab.

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
Good luck! 
Sent from my iPhone

On Sep 21, 2025, at 6:07 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Will keep you posted. This week we plan to enter everything into Bivio and then fill out Schwab paperwork to turn in soon after. Our nearby Schwab
branch has been very helpful. 

On Sun, Sep 21, 2025 at 6:04 PM Tracy, Molly M via bivio.com <user*40992200001@bivio.com> wrote:
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members. 

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah 

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab. 

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
That's 100% what we are trying to do. I just got the last 'wet signature' from a member. Heading to fidelity tomorrow. If we have to, we will wait until then to get the cash which was to buy out a leaving member.

On Sun, Sep 21, 2025 at 3:05 PM Tracy, Molly M via bivio.com <user*40992200001@bivio.com> wrote:
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members.

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab.

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?

We were told that we just needed the account numbers on the Schwab form. Where did you have to get the
member signatures?

Good luck, Sarah, and keep us posted!


On Sun, Sep 21, 2025 at 9:21 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
That's 100% what we are trying to do. I just got the last 'wet signature' from a member. Heading to fidelity tomorrow. If we have to, we will wait until then to get the cash which was to buy out a leaving member.

On Sun, Sep 21, 2025 at 3:05 PM Tracy, Molly M via bivio.com <user*40992200001@bivio.com> wrote:
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members.

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab.

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?
I went to our local Fidelity office and they stated that I needed a "wet" signature from all members aka not an e-signature. They have been extremely helpful and checked in regularly.

On Mon, Sep 22, 2025 at 3:24 AM Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:

We were told that we just needed the account numbers on the Schwab form. Where did you have to get the
member signatures?

Good luck, Sarah, and keep us posted!


On Sun, Sep 21, 2025 at 9:21 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
That's 100% what we are trying to do. I just got the last 'wet signature' from a member. Heading to fidelity tomorrow. If we have to, we will wait until then to get the cash which was to buy out a leaving member.

On Sun, Sep 21, 2025 at 3:05 PM Tracy, Molly M via bivio.com <user*40992200001@bivio.com> wrote:
I worry you will have problems making stock distributions out of Schwab too. We moved all funds and holdings to Fidelity in order to make distributions to our members.

Sent from my iPhone

On Sep 21, 2025, at 2:11 PM, Barbara Preneta via bivio.com <user*28224800001@bivio.com> wrote:


Sarah

We also had trouble because the club name did not match the name at the bank exactly. I think there was a "The" which had to be changed.
We ended up not doing paperwork to be able to transfer online. We transferred money once on the phone and once recently by wire. Our bank account at Liberty now has the same name as at Charles Schwab.

On Sun, Sep 21, 2025 at 2:15 PM Sarah Cornwell via bivio.com <user*40113200001@bivio.com> wrote:
Barbara, Which bank do you use? We are having a nightmare of a time just getting money out of Charles Schwab because our bank account does not have the same name, which they would not allow us to do. Is you bank account owner your club name?