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Tax-efficient review — what asset location actually costs you.

After-tax return is the only return that funds anything. The MRI tests whether the household's wrappers and turnover are working with the tax code or quietly against it.

Why asset location is the quiet killer

Two households with identical pre-tax allocations can have meaningfully different after-tax outcomes simply because of which assets sit in which wrapper. The drift happens incrementally and is rarely caught at any single account level.

What the indicator measures

Placement of tax-inefficient income vs. tax-efficient growth, fund turnover characteristics, and structural choices that suggest the household has not been managed across accounts as a single tax entity. The score is preliminary — verification is required.

What gets verified before any change

Cost basis, lot-level treatment, transition tax cost, charitable plans, RMD obligations, and CPA coordination. The diagnostic surfaces the area; the advisor and your tax professional decide the action.

Run the AI Portfolio MRI™

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

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Household Portfolio Analysis

All wrappers reviewed as one tax entity.

Investment Portfolio Second Opinion

Independent fiduciary review of the full picture.

FAQ

Frequently Asked Questions

What does 'tax-efficient' mean for a portfolio?

It means the right assets are held in the right wrappers — tax-inefficient income in tax-deferred accounts, tax-efficient growth in taxable, and Roth space reserved for the highest-expected-return assets. Most households drift away from this over time.

Is this tax advice?

No. The AI Portfolio MRI™ is an educational diagnostic. It surfaces a preliminary tax-efficiency indicator. Any recommendation requires verification by a WPA fiduciary advisor working with your CPA when appropriate.

What does the indicator look at?

Asset location, turnover characteristics of held funds, and structural choices that quietly erode after-tax returns — such as high-yield assets sitting in a taxable brokerage or active funds with high distribution histories outside an IRA.