Wealth Protection Advisory
AI Portfolio MRI™ · Indicator

Tax efficiency — the silent drag on after-tax returns.

Tax efficiency rarely shows up on a brokerage statement. The AI Portfolio MRI™ flags structural patterns that often indicate after-tax returns are being eroded unnecessarily.

Why it matters

Two households with identical pre-tax returns can end the year with very different after-tax outcomes. The difference is usually structural: where bonds are held, how taxable income is generated, and whether high-turnover funds sit in the wrong account.

How the indicator is computed

The diagnostic looks at ETF weight, bond placement, and aggregate composition signals. Higher ETF weight (proxy for lower distributions) and lower bond weight in unspecified accounts both adjust the score. This is screening, not a tax calculation.

What the advisor verifies

Account types, cost basis, capital-loss carryforwards, state residency, IRMAA brackets, Roth conversion windows, and charitable strategy — none of which the diagnostic alone can see. The fiduciary advisor coordinates with your CPA before any recommendation.

Run the AI Portfolio MRI™

Receive a confidential, preliminary diagnostic across all five indicators. Advisor verification required before any recommendation.

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FAQ

Frequently Asked Questions

Does the diagnostic give tax advice?

No. It surfaces preliminary indicators about tax-efficient structure. Actual tax planning requires verifying account types, basis, brackets, and goals — work a fiduciary advisor coordinates with your CPA.

What does the tax indicator look at?

Asset-type composition (ETF vs bond ETF vs equity), structural turnover proxies, and household-level placement signals. It is a screening indicator, not a tax projection.

Why is asset location separate from asset allocation?

Because two portfolios with identical allocations can produce very different after-tax outcomes depending on which holdings sit in tax-deferred, tax-free, and taxable accounts.