ETFS OR DIRECT INDEXING, ON AUTOPILOT
Pick a diversified ETF portfolio or a large cap direct index. Advizmo invests for you automatically, looks for tax-loss harvesting opportunities every market day, and sells in the most tax-efficient order whenever you need money back.
AUTO-INVEST
Diversified ETFs or a large cap direct index. You choose, Advizmo invests.
HARVEST
Checked every market day for losses that can be sold to reduce taxable income and offset gains.¹
SELL
When you need money back, the shares that cost you the least in taxes are sold first.
¹ Tax-loss harvesting defers tax by lowering your cost basis. Part of the benefit can be permanent when losses offset income taxed at a higher rate than the future gain. Results depend on your circumstances. Not tax advice.
Demo account. Figures shown for illustrative purposes only.
01 · AUTOMATIC INVESTING
Diversified ETF portfolio
Low-cost funds across US and international stocks and bonds.
You set your risk level, from more bonds to more stocks
You control how much international exposure you hold
Daily tax-loss harvesting with a three-fund rotation
US stocks
50%
International
25%
Bonds
25%
Illustrative only
Large cap direct index
Own the individual stocks of large US companies, built to track a large cap index.
More chances to harvest losses, stock by stock
Tax-smart sales across many more tax lots
Fully automatic, just like the ETF portfolio
Illustrative only
SPOTLIGHT · LARGE CAP DIRECT INDEXING
More chances to harvest. Losses are found stock by stock, not just when the whole market falls.
Tax-smart sales at the stock level. Withdrawals can pick from far more tax lots, which gives more room to keep taxes low.
Still fully automatic. New money is invested, rebalanced and harvested for you, just like the ETF portfolio.
Index up for the year. Some stocks down.
Illustrative only
Large cap index fund
+8%
Nothing to harvest
Same market, owned stock by stock
Stock A
+14%
Hold
Stock B
−9%
Harvest
Stock C
+6%
Hold
Stock D
+21%
Hold
Stock E
−12%
Harvest
Stock F
+3%
Hold
Stocks B and E can be sold to harvest their losses, with the proceeds reinvested in other stocks in the index to keep the portfolio close to it.
Harvest checks this month
Illustrative only
M
T
W
T
F
S
S
Checked, nothing to harvest
Loss harvested
Three-fund rotation
Fund A
Day 1: loss harvested, move to B
Fund B
Day 11: dips again, harvest, move to C
Fund C
Back to A once 30 days have passed
Similar funds tracking the same part of the market. You stay invested the whole time.
02 · TAX-LOSS HARVESTING
The three-fund rotation
With only two similar funds, a second dip within 30 days can leave nowhere to rotate without risking a wash sale. In the ETF portfolio, Advizmo pairs each part of your portfolio with three similar funds. If the market dips again soon after a harvest, there’s still a fund to rotate into, so more losses can be captured during choppy markets.
Built-in wash sale checks across your Advizmo account
Works with both the ETF portfolio and the direct index
Every harvest shows up in your activity, with the reason
03 · TAX-SMART WITHDRAWALS
Withdrawing $2,000
Illustrative only
TAX LOT
GAIN / LOSS
SOLD?
Bought March
−$40 loss
Sold first
Bought 2 yrs ago
+$60 long-term
Sold next
Bought June
+$180 short-term
Kept
Bought August
+$95 short-term
Kept
Same $2,000 out. Selling a loss and a long-term gain instead of recent short-term gains means a smaller tax bill.
1
Open and fund your account
Open an account and connect a bank account to add money.
2
Pick your investments
Choose the diversified ETF portfolio or the large cap direct index, and set your risk level.
3
Let it run
New money is invested automatically, losses are harvested daily, and every sale is tax-smart. You can see every move.
YOUR MONEY IS PROTECTED
256-bit encryption
Multi-factor authentication
Strict internal access controls - no individual at Advizmo has access to your credentials
We do not share your information with unaffiliated 3rd parties
For more information, view our security policy.
Common questions
Where is my money held?
Can I take money out any time?
Will tax-loss harvesting always save me money?
What does it cost?
Advizmo is a d/b/a of TalkAboutHealth, Inc., an SEC-registered investment adviser (SEC File No. 801-133876, CRD No. 337485). Registration does not imply a certain level of skill or training. Brokerage and custody services are provided by Interactive Brokers LLC, member FINRA and SIPC. Interactive Brokers is not affiliated with Advizmo.
All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Examples on this page are hypothetical and for illustration only. They do not represent actual client accounts or results.
Tax-loss harvesting is not suitable for everyone. Its benefits depend on your individual tax situation and are not guaranteed. Harvesting lowers your cost basis, which may increase taxes when the replacement investment is sold. Wash sale rules may disallow a loss if you buy a substantially identical investment within 30 days, including in accounts outside Advizmo. Direct indexing may not match the performance of its target index. Tax-optimized lot selection seeks to reduce taxes on withdrawals but cannot eliminate them.
Advizmo does not provide tax or legal advice. Consult a tax professional about your situation. See our Form ADV Part 2A and Client Relationship Summary (Form CRS) for more information.