Tax-Optimized Asset Location Analyzer
Optimize asset location across account types to minimize tax drag and maximize after-tax returns.
What You Can Do
You can analyze a client's complete account portfolio and generate specific asset location recommendations that minimize lifetime tax burden while maintaining desired asset allocation. The skill evaluates tax efficiency across account types, identifies which securities belong in tax-advantaged vs. taxable accounts, and calculates the after-tax impact of different placement scenarios. You'll produce actionable restructuring recommendations backed by quantified tax savings projections.
Features
evaluates taxable, traditional IRA, Roth IRA, 401(k), HSA, 529, and custodial accounts simultaneously
calculates annual and lifetime tax costs of current vs. optimized locations with percentage recovery metrics
assigns specific securities or asset classes to optimal account types based on tax characterization (ordinary income, qualified dividends, long-term capital gains)
compares after-tax returns across different location strategies with sensitivity analysis
evaluates tax consequences before implementing portfolio changes
identifies opportunities to harvest losses in taxable accounts while maintaining desired exposure
optimizes across spouse accounts and dependent custodial accounts
generates comparative visualizations and benefit summaries for client communication
Example Output
Example 1: Multi-Account Optimization
| Account Type | Current Allocation | Recommended Allocation | Tax Impact | Annual Savings |
|---|---|---|---|---|
| Taxable Brokerage | US Bonds 40%, Small Cap 30% | US Bonds 10%, Small Cap 0% | Ordinary income → qualified dividends | +$2,800/year |
| Traditional IRA | Cash 20%, Bonds 20% | Bonds 50%, International 50% | No immediate tax | — |
| Roth IRA | Growth stocks 100% | Growth stocks 100%, Small cap 0% | Tax-free growth maximized | +$1,200/year |
| 401(k) | Balanced mix | High-yield bonds 80%, bonds 20% | Shields ordinary income | +$3,400/year |
Total Estimated After-Tax Return Improvement: 2.1% annually
Example 2: Life Event Restructuring (Inheritance)
Client receives $500K inheritance (stepped-up basis). Recommendation: Place inherited appreciated securities in taxable account to reset cost basis, relocate existing taxable bonds to traditional IRA to eliminate annual ordinary income drag, shift growth equities to Roth for tax-free compounding.
Projected 10-year tax savings: $87,400
What's Included
- SKILL.md: Complete instruction file with framework, decision trees, and account-type guidelines
- Account Analysis Template: Spreadsheet structure for cataloging all client accounts, holdings, and tax characteristics
- Asset Location Matrix: Tax efficiency ranking of 20+ security types across all account categories
- Scenario Comparison Worksheet: Side-by-side calculator for modeling different location strategies
- Client Presentation One-Pager: Visual summary template showing tax savings and recommendation rationale
Who It's For
- Wealth advisors and financial planners managing high-net-worth clients with multiple account types
- Tax-focused financial advisors looking to quantify and communicate tax optimization value
- Fee-only fiduciaries seeking to justify portfolio restructuring recommendations
- Financial planner specialists handling households with complex account structures (inherited accounts, business owner accounts, spouse scenarios)
- Institutional advisors conducting annual tax planning reviews for clients with $500K+ AUM
Best For
- Annual and quarterly portfolio tax optimization reviews
- Life event restructuring (inheritance, bonus, job change, divorce settlements)
- Asset allocation implementation across multiple account types
- Tax projection scenarios for high-income earners
- Tax-loss harvesting opportunity identification
- Household-level account consolidation and rebalancing
- Client education and justification of restructuring recommendations
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