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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.
Exhibit 01 / Household
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
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
Roth IRA (Riley)
Tax-free · 2 lots
$119,950
401(k) (Riley)
Tax-deferred · 3 lots
$449,950
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%
Exhibit 02 / Tax opportunities
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
$0
LTCG 15% room
$465,900
NIIT distance
$64,000
Blocked candidates
0
| 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 |
Exhibit 03 / Asset location
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 |
Exhibit 04 / Roth conversions
A modeled conversion schedule for the low-income years before Medicare and required minimum distributions, plotted against the IRMAA and ACA income lines.
Per-year modeled conversion, stacked by owning member.
Taxable ordinary income, total taxable income, IRMAA MAGI, and ACA household income under the proposed schedule.
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