Tax-aware rebalancing for taxable portfolios

Rebalance taxable accounts without the tax bill.

Rebalance Engine scores every lot against realized gains, harvestable losses, and 30-day wash-sale risk — before any trade is placed. You get the target allocation and the tax math behind it.

Book a Workflow Review See How It Works

Zero-trust access, isolated per-user workspaces, encrypted in transit and at rest.

For RIAs, portfolio managers, CPAs & CFPs — and anyone managing their own taxable portfolio.

What a naive rebalance costs you

Illustrative example
$1,000,000
25%
Kept in the account $0 vs. a naive rebalance, same trade
Naive rebalance (tax drag) $0
Tax-aware rebalance $0

Assumes 20% of the portfolio trades to correct drift, a typical single rebalance, and that a tax-aware sale can favor lower-gain lots. Federal rates only; state tax not included. Not tax advice.

The taxable-portfolio headache,
four ways it shows up

Every sell is a tax decision

Sell pro-rata to fix drift and you realize gains you never needed to realize. The bill shows up in January.

Wash-sale windows are easy to miss

One repurchase inside 30 days — in any lot, across siblings — and the loss you harvested is disallowed.

Lot picking doesn't scale in spreadsheets

Dozens of lots per position — and for advisors, hundreds of accounts. Picking the lowest-gain lots by hand is where afternoons go to die.

Someone always wants the “why”

Why this lot? Why this trade? Whether it's an auditor, a client, or your own records — if the answer lives in your head, it doesn't survive the question.

From holdings file to trade list in three steps

  1. Upload Holdings

    CSV or direct input — positions, lots, and cost basis. No custodian or brokerage integration required to start.

  2. Set Targets & Limits

    Target weights, drift bands, restrictions, and a tax budget the engine treats as a hard ceiling.

  3. Get the Trade List

    Tax-optimized trades with before/after analytics and the reasoning behind every lot choice — exportable for your broker, your custodian, or your records.

Everything you need to
rebalance around taxes

Multi-Factor Sell Scoring

Every lot ranked by drift, tax impact, and wash-sale risk — so the first dollar sold is the cheapest one to sell.

Tax Loss Harvesting

Losses surfaced and realized where they offset gains — without knocking the allocation off target.

Wash-Sale Protection

Date-aware 30-day tracking flags at-risk repurchases before you trade — not after the loss is disallowed.

Rebalance in Seconds

Upload, set targets, and get a complete trade list with before/after analytics in under a minute.

Audit-Ready Exports

Trade lists, allocation reports, and drift analysis as zipped CSV/XLSX — ready for your custodian, your CPA, or your compliance team.

Secure by Default

Cloudflare Access zero-trust auth, isolated per-user workspaces, encrypted in transit and at rest. Details.

Questions we hear first

What do I need to get started?

A holdings file. Upload positions and tax lots as a CSV — no custodian integration, no API keys, no IT project. You can run your first rebalance the day you sign up.

Does it place trades for me?

No. Rebalance Engine produces the optimized trade list and the analytics behind it. You review, approve, and execute through your own broker or custodian — the engine never touches an account.

How is my data handled?

Access is gated by Cloudflare Access zero-trust authentication, each user works in an isolated workspace, and data is encrypted in transit and at rest. See our security page for the full picture.

Read the full FAQ

See how much tax drag you can avoid

Bring a holdings file — a client's or your own. We'll walk through the rebalance together and you'll see the trade list, and the tax math behind it, before you commit to anything.

Book a Workflow Review

Zero-trust access, isolated per-user workspaces, encrypted in transit and at rest.