Rebalance — Retirement Planner

Schwab positions → exact buy/sell orders in shares · tax-aware · ACA-conscious

No Schwab positions loaded

Go to Data Import → upload your Schwab Positions CSV → come back here.

Target Allocation — edit targets, changes apply instantly

Asset Class	Target %	Current $	Current %	Drift	Visual	Action	$ to Trade
TOTAL		—	100%

All Positions — change class assignment with dropdown

Symbol	Description	Shares	Price	Market Value	Cost Basis	Gain / Loss	Asset Class	% of Port

Trade Action Plan — exact shares at current price

Tax Order: ① Tax-advantaged accounts first (IRA/Roth — no gains tax) · ② Harvest losses in taxable · ③ LTCG only (0% rate at 12% bracket) · ④ Avoid short-term gains

Tax-Loss Harvest Scanner ≥3% unrealized loss threshold · wash-sale aware

Load positions to scan.

Asset Location Guide Bogleheads principle — maximize tax-efficiency by account type

Place highest-expected-return assets in Roth (tax-free growth), income-producing assets in Traditional (tax-deferred), and tax-efficient assets in taxable. Your ACA constraint makes taxable dividend minimization critical — each dollar of taxable dividends counts against the ACA cliff.

Taxable Brokerage

Best for low-yield, tax-efficient assets

Best Total Market ETFs (VTI, VOO) — low yield ~0.3-1.5%, qualified divs

Best International ETFs (VEA, VXUS) — foreign tax credit only in taxable

Best Municipal bonds (BSMS, VTEB) — tax-exempt interest, ACA-neutral

OK I-Bonds — interest deferred until redemption

Avoid REITs — ordinary income adds to ACA MAGI

Avoid Bond funds — ordinary interest income

Avoid High-dividend equity (SCHD, VYM)

Traditional IRA / 401k

Best for income-producing assets (shelter from current tax)

Best US/International bonds (BND, AGG) — ordinary income sheltered

Best REITs (VNQ) — high ordinary income sheltered until withdrawal

OK High-dividend equity (SCHD) — qualified, but shelter helps

OK Bond ladder rungs (CDs, T-Notes) — interest deferred

Avoid Growth equity (VUG) — forfeits 0% LTCG rate on gains

Note ⚠ Convert to Roth during ACA Window to reduce future RMDs

Roth IRA

Best for highest-expected-return assets (tax-free forever)

Best Small-cap value (AVUV, VBR) — highest expected return

Best Growth equity (VUG, QQQ) — high appreciation, no tax on growth

Best REITs (if Traditional is full) — avoids ordinary income in retirement

OK Any asset — all growth is tax-free, no RMDs

Avoid Cash/bonds — wastes tax-free space on low-return assets

Goal Maximize via ACA-window conversions 2028–2050