Overcome the tax efficiency challenge
Know what to sell and why
The LifeYield Tax-Smart Withdrawal engine clearly shows what to sell – and in what order – to fulfill each withdrawal scenario with confidence.
Minimize drift away from the target allocation
This avoids the inevitable rebalance later.
Pay attention to location
Raise cash by liquidating mislocated assets, improving tax efficiency and after-tax returns over the long haul.
Identify opportunities to harvest losses
The engine brings tax-loss harvesting opportunities to the forefront when making a withdrawal, allowing the advisor to raise cash efficiently.
Avoid replacing technology
LifeYield works with your current rebalancing technology to strengthen your firm’s rebalancing processes and avoid disrupting your entire tech stack.
The Benefits of Tax-Smart Withdrawals
- Implement a standardized, cost-effective way to make withdrawals across multiple accounts.
- Automate complex and time-consuming processes to create tax-smart withdrawals in seconds.
- Increase AUM by helping clients pay less taxes and keep more money working in their portfolio.
- Simplify and control tax-smart withdrawals with a solution that adapts to each unique situation.
- Ensure optimal asset location is maintained after every withdrawal.
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 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.
-
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.
