Investipal
Book a demo

Tax transition analysis

Plan tax transitions
for the household.

Plan the transition around the household’s tax budget, timeline, or harvesting objectives. Compare full replacement with keeping suitable existing holdings as proxies.

Book a demo ↗
✳ InvestipalHousehold transition

Keep the holding.
Cover the exposure.

Tax budgetTimelineHarvesting
CLIENT HOLDSVOORetain existing holding
→
MODEL PROPOSESSPYCovered by proxy
Transition approachUse existing exposure
Illustrative mapping for a household transition

Trusted by leading advisory firms

Wellington Altus
Raymond James
Everspire
William Joseph
ProsperPlan
Woodgate
10

Minutes to complete analysis

5x

Faster than spreadsheets

100+

Statement formats supported

A clearer starting point

Household tax transitions need a connected view.

Moving a prospect from their current holdings to a target allocation means extracting cost basis, calculating gains, and modeling the transition path, all before the proposal goes out

Cost basis extraction is manual and error-prone

Pulling lot-level cost basis from statements, matching purchase dates, and separating short-term from long-term gains takes time and precision that spreadsheets make harder than it should be.

Transition scenarios are hard to compare

Immediate transition, phased over two years, harvest losses first. Each path has different tax consequences. Modeling them side-by-side in a spreadsheet means rebuilding the analysis from scratch each time.

Multi-account households multiply the complexity

Clients with IRAs, trust accounts, and taxable brokerage accounts need coordinated transition plans. Optimizing which lots to move from which accounts means tracking cost basis across all of them at once.

Inside the workflow

Model a transition around the household’s objectives.

Model the tradeoffs across the household before choosing a path.

Tax transition
A path to the
proposed portfolio.
Existing portfolioTarget portfolio
PositionUnrealized
Equity fund A+$8,200
Equity fund B-$2,400
Bond fund+$600
Review positions, trades
and tax impacts together.
Example portfolioTransition review ↗
Step 01

Set the household objective.

Build the transition around a tax budget, a timeline, or harvesting goals. Consider the accounts together instead of planning each one in isolation.

✳ InvestipalHousehold transition

Keep the holding.
Cover the exposure.

Tax budgetTimelineHarvesting
CLIENT HOLDSVOORetain existing holding
→
MODEL PROPOSESSPYCovered by proxy
Transition approachUse existing exposure
Illustrative mapping for a household transition
Step 02

Choose which holdings to replace or retain.

Model a full replacement or use existing holdings to cover the proposed allocation. Specify 1:1 replacements or suitable proxies.

✳ InvestipalHousehold transition

Keep the holding.
Cover the exposure.

Tax budgetTimelineHarvesting
CLIENT HOLDSVOORetain existing holding
→
MODEL PROPOSESSPYCovered by proxy
Transition approachUse existing exposure
Illustrative mapping for a household transition
Step 03

Keep exposure without an unnecessary sale.

For example, when a client holds VOO and your model calls for SPY, model retaining VOO as a proxy for the proposed exposure instead of selling it solely to match the ticker.

TRANSITION TRADES
From the plan.
To the positions.
Existing portfolioTarget portfolio
Current holdingReview
Target holdingReview
Unrealized gain / lossReview
Tax impactReview
Review the transition roadmap
Position-level review
Step 04

Compare the path and its tax impact.

Review proposed changes, gains, losses, and tax impacts against the household’s objectives. Bring the transition plan into the client proposal.

In good company

In our clients’ words.

Investipal has completely transformed how we approach client onboarding and portfolio management. The AI-powered tools save us countless hours while delivering better outcomes for our clients.
Pacific Portfolio Advisors
Investipal has been a game-changer for our firm. It really had become an efficiency multiplier for our assistants and back office. It's an indispensable tool for any advisory firm looking to thrive in today's competitive market.
William Joseph Capital Management

A few things to know.

Which objectives can I use for a tax transition?

Model transitions around a tax budget, timeline, or tax-loss harvesting objectives across the household.

What is the difference between replacement and proxy treatment?

A full replacement models moving into the proposed holdings. Proxy treatment models retaining suitable existing holdings to cover proposed exposures, for example, keeping existing VOO where the proposed model uses SPY.

Can I review the household together?

Yes. Consider the household’s accounts, holdings, and transition objectives together when evaluating the proposed changes and tax impacts.