Identify the best path to maximizing retirement income for each household.
The only automated, personalized, and scalable retirement income solution.
Deliver a blueprint for drawing down on a client’s assets account-by-account, down to the security.
Avoid the costly “rules of thumb” used by every firm that don’t take each client’s unique circumstances into account.
Create hyper-personalized decumulation plans for each client.
Identify the next best steps to draw down on a client’s assets by considering each client’s investment objectives while minimizing taxes.
Provide detailed tax breakdowns for state and federal for each step of decumulation.
Account for tax brackets, deductions, Social Security taxation, investment taxes, Medicare, personal exemptions, and more.
Adaptable to your firm’s preferences and evolving capabilities.
Firms can choose the level of detail, capital market assumptions, number of trials, and can customize the experience based on several variables.
Get to market faster by leveraging a modern, stateless API.
Deliver technology faster while controlling the user experience, user interface, and inputs/outputs to complement and enhance your proprietary solutions.
The LifeYield Technology Library
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LifeYield Multi-Account UMA Tax Overlay
The LifeYield Tax Overlay is the culmination all LifeYield tax-smart solutions and is designed to easily integrate with your firm’s technology via API.
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LifeYield Asset Location
Measures the tax efficiency of a household portfolio, provides next best actions for reducing tax drag, then quantifies the benefit in dollars.
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LifeYield Multi-Account Rebalancing
Operates alongside your current rebalancing technology to incorporate multi-account tax harvesting and automated asset location optimization.
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LifeYield Tax-Smart Withdrawals
Executes optimized withdrawals from multiple accounts by selling mislocated assets, minimizing drift and identifying opportunities to harvest losses.
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LifeYield Tax Harvesting
Works with our asset location, rebalancing and withdrawal technology to scan all taxable and non-taxable accounts and instantly identify opportunities to harvest gains or losses.
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LifeYield Social Security+TM
Identifies the optimal filing strategy for each client, then enables the transition to a full retirement income planning conversation with visual Income Layers.
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LifeYield Retirement Income Sourcing
Integrates directly with your planning system to create personalized, tax-efficient decumulation strategies.
