LifeYield ROI™: Retirement income made simple, better

LifeYield ROI is a tax-smart software solution that simplifies the complicated process of selecting which of a client's assets to buy and sell every time cash is to be withdrawn or invested. Simply enter the amount and LifeYield ROI generates tax-smart trade suggestions across a household's multiple taxable and tax-advantaged accounts.

According to research by Ernst & Young, using the LifeYield ROI methodology can generate up to 33% more returns versus a tax neutral approach.   Click here to obtain a copy of the research study entitled: Improving After-Tax Returns, Retirement Income, and Bequests through Tax-Smart Household Management — a LifeYield, LLC whitepaper with supporting research by Ernst & Young.

How LifeYield ROI Does It: Managing at the Household Level

LifeYield ROI's improved results are achieved by:

• Locating assets in the most appropriate accounts
  
  
  • Optimizing Location — Ensuring assets are held in the optimal location — in either a taxable or tax-advantaged account — can have a material impact on investment returns. A "Pro Rata" or "Tax Neutral" asset allocation approach sets the same asset allocation for a client's taxable and tax-advantaged accounts. But when an advisor manages at least two types of accounts for a client, taxes can be minimized while maintaining the desired household allocation.
  • For Example — When an asset allocation includes tax-free municipal bonds as well as a high-turnover equity strategy, the tax-free bonds are best held in a taxable account while the high-turnover securities are best located in a tax-advantaged account.
  • LifeYield Makes it Simple, and Better — Increasing returns and retirement income by maintaining asset allocation at the household level can be complicated and time consuming, especially where funds are continuously being withdrawn or invested. LifeYield ROI removes the complication and makes it quick and simple. And it gives clients another reason to consolidate various accounts with you.
• Minimizing capital gains and income taxes
  
  
  • Capital Gains: LifeYield ROI minimizes capital gains taxes in three ways.
    1. Short term capital gains taxes are avoided in taxable accounts whenever possible.
    2. When a high-turnover equity strategy is being employed, assets are placed in a tax-advantaged account.
    3. As a client ages, LifeYield may suggest liquidating tax-advantaged assets over taxable securities with large unrealized gains so the estate will enjoy a step-up of the cost basis of those securities and avoid large capital gains altogether.
  • Income Taxes: LifeYield minimizes income taxes by locating more highly taxed securities, such as taxable fixed income, in a tax-advantaged account and locating securities that are taxed at a more favorable level, such as long-term equities, in a taxable account.

LifeYield's Tax-Smart Software

Helps financial advisors simplify and maximize clients' retirement income.

Watch Demo Video
Request Live Demo
How much can LifeYield grow your practice?

 1   2   3   4   5