We work with your team to document the tax assumptions that drive portfolio construction across your book, including cash-flow timing, account types, and relevant jurisdictions. We then model projected after-tax outcomes across scenarios and formalize policy rules for location, harvesting, and rebalancing so the process is repeatable, auditable, and scalable across clients.
We align asset location across taxable, qualified, and trust accounts to defer recognition where appropriate. When advanced techniques are considered, such as exchange funds, qualified opportunity zones, or charitable remainder trusts, we collaborate with your client’s tax and legal advisors so implementation matches the plan and documentation is complete.
We emphasize a documented process. Each engagement includes policy-level guidelines for harvesting, asset location, and rebalancing, with reporting that helps you explain after-tax outcomes to clients and committees.
We document the approach in your policy and align it with your tech stack. That includes asset-location guidelines, harvesting and rebalancing rules, lot-selection defaults, and a review cadence. We then provide reports that help you explain after-tax impacts and coordinate with each client’s tax advisor.
In most cases, no. We pair each sale with a preapproved replacement, so factor, sector, and duration exposures stay aligned with policy. Short-term tracking errors can occur. We control it through drift bands, a harvesting and realized-gain budget, and a documented 31-day return path to the target holding. We also coordinate wash-sale controls across accounts and set blackout windows around fund distributions.
Cadence is set during onboarding and revisited during periodic reviews. We adjust when client circumstances change(e.g., liquidity needs, residency, or estate objectives), and we coordinate with the client’s tax professionals.
Yes. We help formalize harvesting rules, location policies, and monitoring procedures in your investment documents and provide reporting that aligns with your compliance workflow.
