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retirement gap?
Drag the sliders. Watch your 25-year trajectory redraw in real time. The red shading is the cost of doing nothing.
No AUM minimum for initial consultation
Fee drag (avg advisor)
1.2%/yr
vs. 0.3% at Allocate
Tax alpha available
+0.8%/yr
tax-loss harvesting
Rebalancing drift
±4.2%
typical unmanaged
Sequence-of-returns risk
High
without buffer strategy
Section 01 — Market Context
Where markets stand
as of February 2026
CPI YoY
3.1%
10-Yr Treasury
4.42%
S&P 500 P/E
22.4×
VIX
14.8
Benchmark Returns
| Asset | YTD | 1Y |
|---|---|---|
S&P 500 Index SPX | +3.2% | +24.8% |
Target-Date 2040 (avg) TDF | +2.4% | +13.2% |
US Real Estate (REIT) VNQ | +2.1% | +12.3% |
MSCI All-World ex-US ACWX | +1.8% | +9.4% |
TIPS (Inflation-Linked) SCHP | +0.6% | +3.4% |
US Aggregate Bond AGG | -0.4% | +2.1% |
Returns are total return, annualized for multi-year periods. Source: Bloomberg, as of Feb 2026.
Annual Fee Drag
What you pay vs. what you keep
On a $3M portfolio, the difference between 0.28% and 1.42% fees is $34,200/year — $855K over 25 years.
CPI Trend
12-month rolling
Section 02 — Portfolio Construction
Three model allocations,
stress-tested to breaking point
Capital Preservation
Designed for near-retirement clients and endowments prioritizing inflation-adjusted stability over growth. Stress-tested against 2008, 2020, and rising-rate scenarios.
Sharpe Ratio
0.82
Max Drawdown
-11.4%
10Y CAGR (net)
5.8%
Expense Ratio
0.21%
Allocation
Designed for
Dual-income couples 58–65, small endowments
Balanced Growth
The workhorse allocation for founders with a 15–20 year runway. Factor-tilted equity exposure with systematic rebalancing and tax-managed bond laddering.
Sharpe Ratio
1.04
Max Drawdown
-19.8%
10Y CAGR (net)
8.4%
Expense Ratio
0.28%
Allocation
Designed for
Founders 40–55, dual-income couples 45–55
Concentrated Growth
Maximum long-run compounding for founders under 50 with high risk tolerance and a long liquidity runway. Includes direct indexing for tax efficiency at scale.
Sharpe Ratio
0.93
Max Drawdown
-32.6%
10Y CAGR (net)
11.2%
Expense Ratio
0.32%
Allocation
Designed for
Post-exit founders 35–50, $5M+ portfolios
60/40 Benchmark Sharpe
0.71
Allocate avg Sharpe
0.93
Backtest period
2014–2024
Includes
2020 crash, 2022 rate shock
Section 03 — Tax Efficiency
The tax bill you're paying
without knowing it
Annual Tax Cost Comparison
Based on $3M portfolio, 23.8% LTCG rate
Typical brokerage (unmanaged)
Unrealized gains accumulate, triggering taxable events on rebalancing and dividend reinvestment
Traditional RIA (tax-aware)
Periodic tax-loss harvesting but no systematic direct indexing or asset location optimization
Allocate (tax-managed)
Daily tax-loss harvesting, direct indexing, asset location, and gain deferral via opportunity zones
10-Year Tax Savings with Allocate
vs. typical unmanaged brokerage account
| Strategy | Annual | 5-Year | 10-Year |
|---|---|---|---|
| Typical brokerage | $48.2K | $267K | $612K |
| Traditional RIA | $22.4K | $118K | $261K |
| Allocate | $8.6K | $43K | $91K |
Tax Management Toolkit
Daily Tax-Loss Harvesting
+0.6–0.8%/yrSystematic realization of losses to offset gains
Direct Indexing
+0.4–0.9%/yrOwn individual stocks, harvest at position level
Asset Location
+0.2–0.4%/yrBonds in tax-deferred, equities in taxable
Gain Deferral
+0.1–0.3%/yrOpportunity zones and exchange funds
20-Year Compounding Impact
$3M portfolio, same gross return
Managed (20yr)
$11.4M
Unmanaged (20yr)
$8.7M
Full Portfolio Analysis
Download your personalized
portfolio diagnostic
A 12-page analysis built from your calculator inputs — including asset allocation recommendations, projected tax savings, fee audit, and a 25-year retirement runway model.
$2.4B
Assets Under Advisory
847
Client Households
11.2%
Avg Net Return (10yr)
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