Household

Sample
Snapshot May 1, 2026$1,273,778Taxable 20% · Tax-deferred 71% · Tax-free 9%
Married filing jointlyCAAges 60 and 58
Net worth

$1,273,778

Cash

$0

Unrealized gain

$567,510

80.4% of cost basis

Off target

19.3 pp

VTI over target

Equity exposure

0.76x

$964,280

Harvestable losses

$19,613

See opportunities

What you own

Current

Target

Stocks

VTIVXUSVUG

75.7% / 72.5%

Bonds

AGGBNDMUB

24.3% / 27.5%

Where it sits

  • Taxable$254,004 · 20%
  • Tax-deferred$899,916 · 71%
  • Tax-free$119,858 · 9%
AccountTypeValueAccount cashGainShare
Joint taxable brokerageTaxable$254,004Not available$53,79720%
Traditional IRA (Jordan)Tax-deferred$450,047Not available$229,86735%
401(k) (Riley)Tax-deferred$449,869Not available$209,33335%
Roth IRA (Riley)Tax-free$119,858Not available$74,5149%

Holdings

Accounts
VTIStocks$819,65464.3%45.0%+19.3 pp
AGGBonds$170,10813.4%15.0%-1.6 pp
BNDBonds$118,9909.3%10.0%-0.7 pp
VXUSStocks$104,7088.2%20.0%-11.8 pp
VUGStocks$39,9173.1%7.5%-4.4 pp
MUBBonds$20,4011.6%2.5%-0.9 pp

Next actions

Tax opportunities

$19,613

Harvestable losses in taxable lots

Account Placement

$716 a year

Lower modeled tax drag from moving the same assets

Rebalance

19.3 pp

VTI over its target