Sample household

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Household profile

Jordan and Riley Rivera, filing jointly, hold 4 accounts worth $1,274,100. Their holdings include both embedded gains and harvestable losses.

Sample data

Exhibit 01 / household

Where has this household drifted from its targets?

Current holdings across all four accounts, measured against the household's target allocation.

Total market value

$1,274,100

Gain/loss

$514,670

Taxable share

19.9%

Drift from target

19.4%

Equity exposure

0.77x

$985,000

Accounts

Taxable

$254,100 · 20%

Tax-deferred

$900,050 · 71%

Tax-free

$119,950 · 9%

Joint taxable brokerage

Taxable · 5 lots

$254,100

Traditional IRA (Jordan)

Tax-deferred · 2 lots

$450,100

401(k) (Riley)

Tax-deferred · 3 lots

$449,950

Roth IRA (Riley)

Tax-free · 2 lots

$119,950

Allocation drift

Under target

Over target

BND

22.7% / 25.0%

-2.3%

VNQ

4.7% / 10.0%

-5.3%

VTI

64.4% / 45.0%

+19.4%

VXUS

8.2% / 20.0%

-11.8%

Equity exposure detail

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Exhibit 02 / tax opportunities

What can this household harvest before year end?

Tax-loss candidates come from taxable lots. Filing status and income determine bracket room and distance to the net investment income tax threshold.

Harvestable losses

$21,440

Embedded gains

$53,600

LTCG 0% room

LTCG 15% room

$465,900

NIIT distance

$64,000

Blocked candidates

											Status
Joint taxable brokerage	BND	1,200	$83.00	$70.00 2026-05-01	2021-02-08	1908	LT	$84,000	$15,600	–	None
Joint taxable brokerage	VNQ	240	$101.00	$85.00 2026-05-01	2021-09-20	1684	LT	$20,400	$3,840	–	None
Joint taxable brokerage	BND	500	$74.00	$70.00 2026-05-01	2025-11-12	170	ST	$35,000	$2,000	–	None

Lot	Basis → price	Loss
BND LT Joint taxable brokerage	$83 → $70	$15,600 of $84,000
VNQ LT Joint taxable brokerage	$101 → $85	$3,840 of $20,400
BND ST Joint taxable brokerage	$74 → $70	$2,000 of $35,000

Lot

Basis → price

Loss

BND

Joint taxable brokerage

$83 → $70

$15,600

of $84,000

VNQ

Joint taxable brokerage

$101 → $85

$3,840

of $20,400

BND

Joint taxable brokerage

$74 → $70

$2,000

of $35,000

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Open in Tax opportunities

Exhibit 03 / asset location

How does bond placement affect estimated tax drag?

The model keeps the asset mix fixed to isolate estimated tax drag from account placement. Allocation drift is shown in Exhibit 01.

Current annual tax drag

$12,487

Optimized annual tax drag

$11,442

Avoidable each year

$1,046

Suggested account placement

A household-level target: each account keeps its total value while the assets inside it change.

Account	Asset	Target weight	Target value
Roth IRA (Riley)	VTI	100.0%	$119,950
Joint taxable brokerage	VTI	90.3%	$229,400
Joint taxable brokerage	VXUS	9.7%	$24,700
Traditional IRA (Jordan)	BND	22.2%	$100,100
Traditional IRA (Jordan)	VTI	77.8%	$350,000
401(k) (Riley)	BND	42.0%	$189,000
401(k) (Riley)	VNQ	13.4%	$60,350
401(k) (Riley)	VTI	26.8%	$120,650
401(k) (Riley)	VXUS	17.8%	$79,950

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Exhibit 04 / Roth conversions

What is the modeled Roth conversion schedule before Medicare?

A modeled conversion schedule for the low-income years before Medicare and required minimum distributions, plotted against the IRMAA and ACA income lines.

Exhibit 04

Modeled conversion schedule

Per-year modeled conversion, stacked by owning member.

Exhibit 05

Income measures against the cliffs

Taxable ordinary income, total taxable income, IRMAA MAGI, and ACA household income under the proposed schedule.

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