Asset Location Optimizer v2

Synergos Advisory Financial planning for STEM professionals

Marital Status:

Single Married

Names (for the report):

Allocation Basis (when married):

Current Age:

Life‑expectancy Age: Used when Years‑to‑horizon is blank

Current AGI ($): Used to auto-apply NIIT by filing status. Leave blank to assume NIIT applies.

Tax Bracket:

Exit‑tax Bracket (%): Leave blank → assume withdrawals taxed at today’s bracket

Portfolio Target Return (%):

Portfolio Target Risk (σ) (%):

Years‑to‑horizon override: Leave blank → use life‑expectancy

λ (drift penalty): 0 = ignore target mix · higher = hug policy tighter

Asset Location Strategy:

Household Allocation Model:

#	Tax Type	Account Name	Ownership	$ Holdings	Current Allocation	Keep?	Cash $ (min reserve)	Lock Acct?	Allow Single?	Caps/Targets	Action

Print Orientation: Portrait Landscape

Include in PDF: Allocation table Methodology Distribution Σ snapshot

Synergos Advisory Financial planning for STEM professionals