Maximize your after-tax returns through intelligent account placement.
Most investors focus on asset allocation -- what percentage of their portfolio is in stocks vs bonds. But asset location determines where those assets live: taxable brokerage, Traditional IRA, Roth IRA, or 401(k).
Done correctly, asset location can add real alpha and generate accretive dollars in after-tax returns -- without changing your risk profile at all.
CleverAlpha algorithm recommends the placement of tax-inefficient assets (bonds, REITs, high-dividend stocks) in tax-advantaged accounts, and tax-efficient assets (growth equities, ETFs) in taxable accounts.
As tax laws change, your income changes, and new accounts are opened, CleverAlpha recalculates and updates our asset location strategy.
CleverAlpha system recommends model-based account placement based on asset tax characteristics and your current tax situation. Results depend on individual circumstances and are not guaranteed.
The algorithm looks at ALL your accounts holistically -- not just one account in isolation -- to find the model-based placement.
Potential after-tax benefit through intelligent account placement
Asset location may improve after-tax outcomes depending on account types, holdings, tax status, and market conditions. Request review through the digital advisory platform to incorporate asset location into your strategy. Results depend on individual circumstances.