Portfolio Dashboard

• Portfolio Dashboard with compact KPIs, account values, allocation drift, tax-profile warnings, and inline tax profile editing
• Live strategy monitoring with signal status, data freshness, transition eligibility, and account-level pending trades when a household and holdings snapshot are linked
• Model taxable, traditional, Roth, and HSA accounts as a single filing unit with per-account cost basis tracking
• Tax-aware backtesting across accounts with per-lot accounting, realized-gain tracking, and annual tax bills
• Cross-account tax-loss-harvesting hints with wash-sale risk assessment and recommended substitutes
• Asset-location recommendations that rank tickers by tax efficiency and suggest the preferred account type for each
• Required minimum distribution (RMD) shortfall detection for traditional accounts with owner birth-year metadata
• Implementation constraints including rebalance frequency and deviation thresholds, an account preference order, and a taxable drift budget
• Contribution schedule and withdrawal priority per account
• One saved tax profile per user, reusable across backtest runs and revisions (each save creates a new immutable version)

• You want to see how a portfolio of accounts (taxable + Roth + traditional + HSA) would have performed together under a shared target allocation.
• You want per-account trade instructions that respect cost basis, wash-sale rules, and account tax character rather than a single blended portfolio result.
• You want to quantify the benefit of better asset location (holding bonds in tax-deferred, equities in taxable and Roth) relative to an ignore-location baseline.
• You want to surface cross-account tax-loss-harvesting opportunities without violating the wash-sale rule across your IRAs.

The workflow separates four persistent records: the tax profile (accounts, tax context, target allocation, constraints), the holdings snapshot (the current per-account lots), each saved backtest run (the immutable references used for that simulation), and any live strategy selections pinned from Workspace.

Each user owns exactly one tax profile. When you edit and save, a new immutable version is recorded. The dashboard reads the latest saved tax profile and holdings snapshot. Running the allocator persists the current form as a new version before dispatching the simulation, so trade instructions, tax bills, and holdings paths always correspond to a resolvable pair of workspace references.

Live strategy monitoring evaluates saved Strategy Builder definitions against current market data. When the live selection is linked to the household and holdings snapshot, the dashboard shows account-level pending trades instead of only target weights.

Rebalancing runs at the requested frequency (monthly, quarterly, yearly) or whenever the target weight deviates past your threshold. The engine prefers tax-advantaged accounts when buying and taxable last when selling, subject to the account preference order you supply. A taxable drift budget caps how far the taxable-only slice can deviate before forced rebalancing triggers realized gains.

• Set up the tax profile once (accounts, tax context, and target allocation) and save it. Subsequent backtests reuse the exact shape.
• Import real per-account holdings via the CSV editor rather than estimating. Per-lot cost basis is what makes the tax-aware output meaningful.
• Enable tax-loss harvesting on taxable accounts that hold correlated substitutes. The engine emits hints, not executed trades, so you can review before acting.
• Watch the dividend-degradation alert. Missing dividend history understates tax drag; backfilling or substituting the ticker gives a cleaner comparison.

• Aggregate pretax / aftertax values: the portfolio's trajectory with and without unrealized-tax drag, aligned to the same date index.
• Per-account timeseries: same trajectories broken out by account so you can see how the rebalancer loaded each sleeve.
• Trade instructions: chronological list of buys and sells with account, asset, shares, dollars, reason code, and realized gain (for sells).
• Annual tax bills: per-year federal and state tax liability, including short- and long-term capital gains, dividend income, and NIIT.
• Asset location scenario notes: each ticker's efficiency class and the preferred account type, with a short rationale.
• Tax-loss-harvest hints: candidate losses, the accounts holding substantially-identical positions, the wash-risk level (low / medium / high), a recommended substitute, and a confidence note.
• Final holdings: end-of-run per-account lots, mark-to-market value, cost basis, and unrealized gain.
• RMD shortfall: if an owner's required distribution was not met during the backtest window, the dollar shortfall (and the 25% excise estimate).
• Dividend degradation alert: the list of tickers whose dividend history was degraded or unavailable, so you know which results depend on a zero-income substitution.

• Entering the same holdings across multiple accounts without considering asset location. The recommendations panel shows what would have been more tax-efficient.
• Running a backtest with stale holdings. Press New snapshot to capture the current state cleanly before testing a new scenario, so the next run does not update the prior snapshot in place.
• Treating tax-loss-harvest hints as safe trades. The wash-risk level accounts for identical positions across accounts, but you still need to confirm substitutions are not substantially identical to other holdings in your real accounts.
• Ignoring the RMD shortfall alert. The 25% excise tax is not modeled in the annual tax bill; the alert is the primary surface for that risk.

• Prices use unadjusted close series; dividend income is booked separately so reinvested dividends do not get double-counted.
• Missing dividend data is treated as zero income for the affected tickers and surfaced as a degraded-ticker warning.
• State tax modeling uses a flat rate per the configured resident state; progressive state brackets are not modeled.
• Federal bracket mode can be current-2026, flat, custom, or historical. Pick the mode that matches the question you are asking.
• TLH hints are advisory; the engine does not execute the substitutions automatically, because wash-sale avoidance depends on real-world facts the engine cannot see.
• The snapshot captured at run time must cover every account in the tax profile. Missing accounts are rejected rather than silently simulated from empty portfolios.