How it works
We focus on taxes.
We can help determine which combination of traditional, Roth, and taxable accounts—which are all taxed differently—may be right for you.
We Build your portfolio
Exchange-traded funds are generally more tax-efficient and lower-cost than mutual funds, which is why we have all-ETF portfolio options.
We organize assets based on taxes.
High-tax assets belong in IRAs and low-tax assets belong in taxable accounts. Your advisor can help decide if turning on our automated asset location feature is right for your situation.
Rebalancing can help protect your portfolio from market volatility, but doing it by selling securities can cost you in taxes. To help avoid this, we rebalance using deposits and dividends.
We work to minimize transaction taxes.
To help lower transaction taxes, we sell your assets in a specific order—the ones with the lowest tax burden go first.
We tax loss harvest.
When investments lose value, you can sell them to help offset the taxes that come with income and capital gains. When enabled, our Tax Loss Harvesting+ feature automates this process to help keep your taxes low.