Calculate the actual U.S.-dollar obligations and distinguish available funds from a fluctuating estimate. The intended eligible spouse and unmarried children under 21 should be included initially. Count the people before counting the money. Each intended applicant carries the published amounts in their own right, so the household total depends on a decision the family has to make first: who is joining now, and who might follow later. Adding a person after the fact is not simply an accounting change, since each individual has their own eligibility review. Ask what happens to the plan if one family member’s review takes a different course from the rest.
Budget the named applicants rather than a headline value
Each eligible joining relative currently adds US$15,000 and a US$1 million gift. A portfolio screenshot does not establish that those payments are funded or that each person has completed the required eligibility review. Hypothetical example: a family running a boarding stable together intends to include two adult children in the move and treats the portfolio total as covering everyone.
One child turns twenty-one during the period; the assumption that the household is a single unit for these purposes was never tested, and the funding plan was built on it. Checking each person’s position individually, against the current published terms, is what turns a shared assumption into a plan. Where an outcome would change the total required, decide now what the family would do rather than after the money has been converted.