This conversion proposal covers the basic conversion of the Wealth Background and associated possessions. It looks at the roughly estimated expenses after conversion, and compares the newly calculated expected income based on the proposed conversion.

For this conversion, I have converted Wealth 3 to Investment 1, and Wealth 4 to Investment 2 as a basis. This leaves more room for future growth, which I feel is more interesting than starting at the maximum.

Lady Gallorett

Estimated Expenses after conversion: 325-350 pounds / month

New Income: 336 pounds / month

• Base Income: 200 pounds / month
• Investment 2: 40 pounds / month

• Baddow Field Power Plant
  • Converted to Business 3
    • +1 Benefit die from Count of Essex
  • Co-invested by Power Plant Club
  • Expected Average Income: 80 pound / month

• Reskin & Co
  • Converted to Business 1
  • Expected Average Income: 16 pound / month

XP changes:

• Wealth 4 -> removed (refunds 15 xp)
• Investment 2 -> 5 xp
• Business 3 -> 9 xp
• Business 1 -> 3 xp
• TOTAL: -2 xp

ST note: it seems to me Reskin is more fitting as a Business 1 than a Business 2, considering it's nature as an artisan workshop, even if it is a bit on the larger side.

The significant time invested into the Baddow Field Power Plant warrants a bonus die, in this case via the Count of Essex. There is some argument to be made for a second bonus die, but I'm not sure if it'd make sense to make the Power Plant Club both co-investor and provider of an additional bonus dice

Miss Gladstone

Estimated Expenses after conversion: 200-250 pounds / month? (presuming new estate, not entirely clear)

New Income: 288 pounds / month

• Base Income: 200 pounds / month
• Investment 2: 40 pounds / month

• Gladstone Dressmakers
  • Converted to Business 2
  • +1 Benefit die from Sir Crosswick
  • +1 Benefit die from Advertising Partner
  • Estimated Income: 48 pound / month

XP changes:

• Wealth 3 -> removed (refunds 9 xp)
• Investment 2 -> 5 xp
• Business 2 -> 5 xp
• TOTAL: -1 xp

ST note: Miss Gladstone has invested effort into advertising and growing her business, but it seems to me this is a business of fine gowns, not mass produced dresses. This fits more accurately with a business 2 than a business 3.

To take her efforts into account, I have suggested upping the Investment from 1 to 2 instead, as well as adding benefit dice for Sir Crosswick and an advertising partnership to be defined in more detail - I imagine a fashion magazine for example showing the latest designs.

Sir von Wedel

Estimated Expenses after conversion: about 200 pounds / month

New Income: 220 pounds / month

• Base Income: 200 pounds / month
• Investment 1: 20 pounds / month

XP changes:

• Wealth 3 -> removed (refunds 9 xp)
• Investment 1 -> 3 xp
• TOTAL: +6 xp

ST note: Since the character is new, there's a bit of a blank slate, leaving a lot of room to fill in the details

Lord Falkland

Estimated Expenses after conversion: about 250 pounds / month

New Income: 304 pounds / month

• Base Income: 200 pounds / month
• Investment 2: 40 pounds / month

• WJAC Shipping Ltd
  • Converted to Business 3
  • Co-invested by Lord Oakley
  • Estimated Income: 64 pounds / month

XP changes:

• Wealth 4 -> removed (refunds 15 xp)
• Investment 2 -> 5 xp
• Business 3 -> 9 xp
• TOTAL: +1 xp

ST note: WJAC should be a single company, though since Lord Oakly co-invested, it should be a business 3. However, I do not think the company has seen enough roleplay to warrant additional bonus dice at this time.