Scenario lab
Use the scenario lab to compare a few practical strategy paths across taxes, retirement, and portfolio construction before taking action.
Setup: Add assets and planning details for personalized guidance.
Scenario lab
Frames upside, tradeoffs, and best-fit conditions for high-value strategies across taxes, retirement, and portfolio construction.
Trim top winners and rebalance
Reduce concentration in oversized names and reallocate into underweight areas or cash reserves. VTI exceeds 30% concentration limit (37.2%).
Upside
Can reduce single-name downside risk and create optionality for taxes or retirement liquidity.
Tradeoffs
May trigger gains in a taxable account.
Could reduce upside if the trimmed position keeps compounding.
Recommended when
Most relevant when one or more names exceed the intended concentration cap.
Harvest losses this quarter
Use the current 1 harvest candidates to offset realized gains while the opportunity set is still available.
Upside
Potentially lowers current-year tax drag and resets cost basis planning.
Tradeoffs
Must avoid wash-sale violations.
Could force temporary replacement holdings or reduced exposure.
Recommended when
Less urgent if realized gains are still flat or negative.
Delay Social Security and preserve Roth flexibility
Use taxable and cash buckets first while delaying Social Security if the household can afford it.
Upside
Can increase guaranteed income later and preserve Roth balances for later tax spikes or legacy goals.
Tradeoffs
Requires sufficient liquid reserve and taxable flexibility.
Increases near-term dependence on portfolio withdrawals.
Recommended when
Best evaluated once Social Security facts and claim-age intent are documented.