Take rebalancing to the household level
Rebalance across account types
Take a household approach to rebalancing that accounts for asset location, minimizes drift and maximizes outcomes for advisors, investors and firms.
Avoid replacing technology
LifeYield works with your current rebalancing technology to strengthen your firm’s rebalancing processes and avoid disrupting your entire tech stack.
Enhance the withdrawal process
Based on each withdrawal recommendation, the rebalancing engine identifies mislocated assets and automatically executes a tax-efficient rebalance in alignment with the portfolio’s target asset allocation.
Identify tax harvesting opportunities
Ensure you’re maximizing outcomes for clients by taking all information into account and considering each opportunity to harvest gains or losses.
How Firms Use the LifeYield Rebalancing Engine
- Incorporate sell constraints
- Set gain budgets to manage client tax brackets
- Implement asset location optimization
- Coordinate taxable, tax-deferred and tax-free accounts
- Calculate key statistics: After-tax returns, location scores, drift, total realized gain or loss, approximate cost of implementation, and more
The LifeYield engine has been battle tested by some of the largest financial services institutions in the world to coordinate all accounts within a household and offer rebalancing at scale.
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.
