Household

Set up your household

Sample householdSampleSnapshot May 1, 2026$1,274,100Taxable 20% · Tax-deferred 71% · Tax-free 9%

Married filing jointlyAges 60 and 58

Gain/loss

$514,670

Taxable share

19.9%

Equity exposure

0.77x

$985,000

Accounts

Taxable$254,100 · 20%
Tax-deferred$900,050 · 71%
Tax-free$119,950 · 9%

Account	Type	Lots	Market value
Joint taxable brokerage	Taxable	5	$254,100
Traditional IRA (Jordan)	Tax-deferred	2	$450,100
401(k) (Riley)	Tax-deferred	3	$449,950
Roth IRA (Riley)	Tax-free	2	$119,950

Allocation drift

Under target

Over target

AGG

13.4% / 15.0%

-1.6 pp

BND

9.3% / 10.0%

-0.7 pp

SCHH

3.1% / 7.5%

-4.4 pp

VNQ

1.6% / 2.5%

-0.9 pp

VTI

64.4% / 45.0%

+19.4 pp

VXUS

8.2% / 20.0%

-11.8 pp

Holding	Market value	Factor	Factor basis	Exposure
AGG	$170,100	0.00x	Bonds, no equity	$0
BND	$119,000	0.00x	Bonds, no equity	$0
SCHH	$39,950	1.00x	Unleveraged	$39,950
VNQ	$20,400	1.00x	Unleveraged	$20,400
VTI	$820,000	1.00x	Unleveraged	$820,000
VXUS	$104,650	1.00x	Unleveraged	$104,650

Harvestable losses: $21,440
Embedded gains: $53,600
LTCG 0% room: $0
LTCG 15% room: $465,900
NIIT distance: $64,000
Blocked candidates: 0


Joint taxable brokerage	BND	1,200	$83.00	$70.00 2026-05-01	Feb 8, 2021	1908	LT	$84,000	$15,600	SCHZ
Joint taxable brokerage	VNQ	240	$101.00	$85.00 2026-05-01	Sep 20, 2021	1684	LT	$20,400	$3,840	USRT
Joint taxable brokerage	BND	500	$74.00	$70.00 2026-05-01	Nov 12, 2025	170	ST	$35,000	$2,000	SCHZ

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

Lot

Basis → price

Loss

BND

Joint taxable brokerage

$83 → $70

$15,600

of $84,000

VNQ

Joint taxable brokerage

$101 → $85

$3,840

of $20,400

BND

Joint taxable brokerage

$74 → $70

$2,000

of $35,000

Placement
Current placement baseline	$12,487
Simple placement	$12,031
Tax-aware placement	$11,442

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)	AGG	22.2%	$100,100
Traditional IRA (Jordan)	VTI	77.8%	$350,000
401(k) (Riley)	AGG	15.6%	$70,000
401(k) (Riley)	BND	26.4%	$119,000
401(k) (Riley)	SCHH	8.9%	$39,950
401(k) (Riley)	VNQ	4.5%	$20,400
401(k) (Riley)	VTI	26.8%	$120,650
401(k) (Riley)	VXUS	17.8%	$79,950

Joint taxable brokerage

VTI

90.3% · $229,400

VXUS

9.7% · $24,700

Traditional IRA (Jordan)

AGG

22.2% · $100,100

VTI

77.8% · $350,000

Roth IRA (Riley)

VTI

100.0% · $119,950

401(k) (Riley)

AGG

15.6% · $70,000

BND

26.4% · $119,000

SCHH

8.9% · $39,950

VNQ

4.5% · $20,400

VTI

26.8% · $120,650

VXUS

17.8% · $79,950