Opportunity BasketTaxLot Rebalancer: Tax-Aware Rebalancing Execution Service
A human-powered rebalancing service where certified financial technicians (not advisors) receive a client's portfolio snapshot, calculate optimal rebalancing trades while modeling tax consequences across all holdings and cost basis lots, then execute the trades via the client's brokerage API or provide a detailed trade ticket for manual execution. The service handles wash-sale detection, long-term vs. short-term gain optimization, and state tax implications—all within 48 hours.
29 weeks • 70% confidence
Value Proposition
Eliminates the 4–6 hours of manual calculation and spreadsheet error per rebalancing event; recovers 1–3% in tax efficiency annually through lot-selection optimization and wash-sale avoidance; executes in 48 hours vs. weeks of procrastination; costs 1/10th of a financial advisor retainer ($150–300 vs. $3k–10k annually) while beating generic robo-advisors that ignore custom tax strategies.
Target Audience
Self-directed investors with $250k–$5M portfolios who rebalance 2–4 times yearly and hold positions across multiple accounts (taxable + retirement); primarily ages 35–65 with high income and tax sensitivity.
Key Features
- Tax-lot-level cost basis import from brokerage (API or CSV upload)
- Multi-account aggregation with tax-loss harvesting opportunity detection
- Wash-sale rule modeling across 30-day windows
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
Portfolio rebalancing requires manual calculation and execution, causing tax inefficiency and missed optimization opportunitiesIndividual investors with equal-weighted portfolios struggle to efficiently rebalance their holdings because manual calculation of drift percentages, tax implications, and optimal trade execution is time-consuming and error-prone. Current solutions either require expensive financial advisors or force investors to use generic robo-advisors that don't accommodate custom portfolio strategies. This results in suboptimal rebalancing decisions, unexpected tax bills, and portfolio drift that erodes returns.
Score: 47.7%