What problem does it solve?
Manually tracking portfolio allocation drift, calculating tax implications, and generating compliant rebalancing trades across multiple account types is time-consuming and prone to costly errors, especially when accounting for wash sale rules and varying account tax treatments.
Core Features & Use Cases
- Drift Analysis: Automatically compares current holdings to target Investment Policy Statement (IPS) allocation percentages across all asset classes to flag positions exceeding standard rebalancing bands.
- Tax-Optimized Trade Generation: Creates rebalancing recommendations that prioritize tax-advantaged accounts for trades, harvest tax losses where possible, and avoid triggering unnecessary short-term capital gains or wash sale violations.
- Compliance Reporting: Generates documented trade rationales and before/after allocation comparisons for regulatory and internal compliance records.
Use case: For a client with a taxable brokerage account, Roth IRA, and 401(k), use this skill to identify a 6% drift in emerging markets exposure and generate trades that rebalance the portfolio while harvesting $3,200 in tax losses to offset capital gains.
Quick Start
Use the portfolio-rebalance skill to analyze my current portfolio across my taxable, Roth IRA, and 401(k) accounts against my target IPS allocation and generate tax-optimized rebalancing trade recommendations.
