LifeYield Multi-Account Rebalancing
Execute rebalancing across accounts with the industry’s only true household-level rebalancing engine.
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
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.
LifeYield Multi-Account Rebalancing
Operates alongside your current rebalancing technology to incorporate multi-account tax harvesting and automated asset location optimization.
LifeYield Tax-Smart Withdrawals
Executes optimized withdrawals from multiple accounts by selling mislocated assets, minimizing drift and identifying opportunities to harvest losses.
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.
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.
LifeYield Retirement Income Sourcing
Integrates directly with your planning system to create personalized, tax-efficient decumulation strategies.
What the experts are saying
This technology gives a financial advisor a quicker, more efficient method to review a client’s multi-account portfolio and recommend strategies designed to help improve after-tax returns. LifeYield is an important addition to our suite of tools that help financial advisors better serve their clients.
Jed FinnCOO, Morgan Stanley
Combining Envestnet | Yodlee Analytics with LifeYield shows how data can be leveraged to convert business insights into quantifiable and actionable output.
Frank CoatesExecutive Managing Director, Envestnet | Yodlee Analytics
The Taxficient Score® is an incredibly impressive innovation in wealth management. It takes an extremely complicated and important subject and makes it easy for advisors to discuss with their clients.
Mark CasadyVestigo Ventures
Whenever we have been in a competitive situation and discuss our methodology of being tax efficient, we have been very successful securing those relationships. We started using LifeYield soon after we made our move to become independent. I can’t even imagine where our practice would be if we had this tool throughout our entire career.
Rick MidaCanopy Wealth Management
LifeYield helps us show our clients why we pay such close attention to taxes when structuring their portfolio. Clients are amazed how big of a difference it can make over the long run. Before LifeYield, it was much harder to estimate the potential tax savings and show those savings in an easy to understand way.
Steven ElwellChief Investment Officer and co-owner of Level Financial Advisors
By making it easy and cost effective for advisors to access leading technology solution providers such as LifeYield and the Taxficient Score®, we are able to further support their ability to manage and grow their businesses and provide even greater value in affiliation with LPL.
Andy KalbaughLPL Financial
I recently met with a retired CPA with a $1.1 Million in self-directed investment savings. LifeYield's technology quantified the benefit of asset location, illustrated a simple score that my team will work to improve. He's now agreed to be a long-term client.
George RallGER Loftin Wealth Advisors LLC
Communicating the value of tax planning has always been a challenge, until I discovered LifeYield. Using The Taxficient Score® with prospects and clients has changed my business.
Using LifeYield, James was able to show the prospect how to improve their 10-year expected return by 1.24% per year and achieve potential tax savings of $275,000 over the next ten years.
James LoftinGER Loftin Wealth Advisors LLC
The Taxficient ScoreTM gives me the ability to view my clients' portfolios in ways that other tools simply cannot by providing a holistic view of client assets and further equipping me to help them create better financial outcomes.
Robert L. Franner III, AMMS®An LPL Financial Advisor
It's inconceivable that taxes, the single largest drag to investing have been the elephant in the room for any discussion of investing for so long. LifeYield’s Taxficient Score® will prove to be a disruptor to the industry status quo bringing tax impact to the forefront where it rightfully belongs.
Len ReinhartWealthcare Capital Management
LifeYield can be a great eye opener because advisors don’t always provide guidance on how to manage for tax-smart asset location.
It’s an effective tool if the prospect has another advisor. LifeYield can be a great eye opener because advisors don’t always provide guidance on how to manage for tax-smart asset location.
Ryan C.CEO Mid-sized Investment Advisor