A fictional two-member household you can explore read-only. Every figure is computed by the same engines the household tools run, using sample holdings. No sign-in and no data entry required.
The sample cast
Jordan and Riley Rivera, filing jointly, hold 4 accounts worth $1,274,100 across a joint taxable brokerage, a traditional IRA, a Roth IRA, and a 401(k). Their holdings carry both embedded gains and harvestable losses, so each tool has something real to show.
Exhibit 01 / Dashboard
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%
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
BND
Current 22.7%
Target 25.0%
-2.3%
VNQ
Current 4.7%
Target 10.0%
-5.3%
VTI
Current 64.4%
Target 45.0%
+19.4%
VXUS
Current 8.2%
Target 20.0%
-11.8%
Exhibit 02 / Tax opportunities
Harvestable losses come from the taxable lots. Bracket room and distance to the net investment income tax threshold come from the household's filing status and income, which is why the same lots produce different answers for different households.
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 optimizer holds the household's current asset mix fixed and moves those same holdings between accounts, so the avoidable drag below is the cost of placement alone. Drifting back to target is a separate decision, shown in Exhibit 01.
Current annual tax drag
$12,487
Optimized annual tax drag
$11,442
Avoidable each year
$1,046
Suggested account placement
This is a household-level target, not a list of account transfers. Each account keeps its current total value while the assets held in it change.
| Account | Asset | Target weight | Target value |
|---|---|---|---|
| Roth IRA (Riley) | VTI | 100.0% | $119,950 |
| Joint taxable brokerage | VTI | 100.0% | $254,100 |
| Traditional IRA (Jordan) | VNQ | 13.4% | $60,350 |
| Traditional IRA (Jordan) | VTI | 86.6% | $389,750 |
| 401(k) (Riley) | BND | 64.3% | $289,100 |
| 401(k) (Riley) | VTI | 12.5% | $56,200 |
| 401(k) (Riley) | VXUS | 23.3% | $104,650 |
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 recommended conversion, stacked by owning member.
Taxable ordinary income, total taxable income, IRMAA MAGI, and ACA household income under the proposed schedule.
Add your accounts and holdings once, then every tool reads from the same household. Setup is free with an account.