Sample Wealth Analysis Report

Section 01

Portfolio Overview

A snapshot of your complete household portfolio across 6 accounts, 85 positions, and 4 asset types.

Total Value
$3.08M
$3,079,433 across 6 accounts
Positions
85
47 in taxable alone
Health Score
47
Alignment + fees + diversity
Cash Drag
15.8%
$487K uninvested

Current Asset Allocation

Geographic Distribution

Section 02

Your Target Mix

Your portfolio is analyzed across 5 independent dimensions. Adjust any target below and the entire analysis recalculates in real time.

Asset Class Targets

Equities 62%
Fixed Income 12%
Real Assets 3%
Commodities & Gold 5%
Alternatives (Crypto) 3%
Infrastructure 5%
Structured Products 3%
Cash 3%
Defense 4%
Total: 100%
Section 03

Gap Analysis

Where your current allocation differs from your targets. Each facet is analyzed independently — a single position can appear in multiple gap categories.

Asset Class Current Target Gap Gap $
US Equities 56.6% 45.0% +11.6% +$357K
International Equities 7.2% 17.0% -9.8% -$302K
Fixed Income 1.7% 12.0% -10.3% -$317K
Commodities & Gold 3.2% 5.0% -1.8% -$55K
Infrastructure 7.8% 5.0% +2.8% +$86K
Crypto 5.0% 3.0% +2.0% +$62K
Cash 15.8% 3.0% +12.8% +$394K
Defense 0.8% 4.0% -3.2% -$99K
Section 04

Fee Exposure

The total cost of your current fund lineup and advisor fees, projected across your investment horizon.

Your estimated lifetime fee exposure
$342,000
Based on your current holdings, expense ratios, and a 1% AUM advisor fee over 15 years with projected market growth.
Advisor AUM Fee (1.0%)
Applied to total managed assets
$247,500
$30,794 / year
At 1% AUM on $3.08M, your annual advisor fee is $30,794. Over 15 years to retirement, accounting for 7% annual growth and compounding fee drag, this totals an estimated $247,500 in fees that would otherwise be invested.
Fund Expense Ratios
Weighted average: 0.31% across all holdings
$94,500
$9,546 / year
Your current fund lineup has a weighted average expense ratio of 0.31%. Optimized index alternatives averaging 0.05% would save approximately $8,000 per year — compounding to $94,500 over 15 years in potential savings.

Cumulative Fee Drag Over Time

$48K
5 years
$118K
10 years
$342K
15 years
$580K
20 years
$1.1M
30 years

What your data shows you can do about it

By optimizing fund expense ratios and evaluating whether ongoing advisory fees align with the services you receive, your portfolio data suggests potential savings of $8,000–$30,000 annually. The action plan below identifies specific options to consider.

Section 05

Fund Cost Comparison

Funds in your portfolio with similar, lower-cost alternatives tracking the same or comparable indices. Savings compound significantly over time.

Your Current Fund Lower-Cost Alternative Your ER Alt ER Annual Savings 20yr Savings
Artisan International Value
APDKX
Int'l Value · Active
Vanguard Intl Value
VTRIX
Int'l Value · Active
 1.15% 0.36% $435/yr $13,050
Lazard Global Infrastructure
GLIFX
Global Infrastructure · Active
iShares Global Infrastructure
IGF
S&P Global Infrastructure Index
 0.98% 0.41% $395/yr $11,850
Undiscovered Mgrs Behavioral Value
UBVLX
Small Cap Value · Active
Vanguard Small-Cap Value ETF
VBR
CRSP US Small Cap Value Index
 1.05% 0.07% $186/yr $5,580
Dodge & Cox Stock Fund
DODGX · 401k
Large Cap Value · Active
iShares S&P 500 Value ETF
IVE
S&P 500 Value Index
 0.51% 0.18% $271/yr $8,130
Pioneer Large Growth Fund
401k
Large Cap Growth · Active
Vanguard Growth ETF
VUG
CRSP US Large Cap Growth Index
 0.89% 0.04% $691/yr $20,730
MFS International Diversified
MDIZX · 401k
International · Active
Vanguard Total Int'l Stock ETF
VXUS
FTSE Global All Cap ex US Index
 0.80% 0.08% $616/yr $18,480
Harrison Street Real Assets
VCRRX
Real Assets · Active
Vanguard Real Estate ETF
VNQ
MSCI US REIT Index
 1.25% 0.12% $91/yr $2,730

Total potential fund cost savings

Across all identified alternatives, the data shows potential savings of approximately $2,685 per year, compounding to an estimated $80,550 over 20 years. Note: 401k fund options may be limited to your plan's available menu.

Section 06

Action Plan

Priority-ordered options to consider, organized by account and impact. Each action addresses one or more gaps identified in your analysis. You decide which to pursue.

1
Consider deploying $165K cash to bond allocation
Your Traditional IRA has 45% in money market earning minimal returns. Deploying to bonds addresses both the cash drag (15.8% vs 3% target) and the fixed income gap (1.7% vs 12% target) simultaneously.
Allocation
Addresses
2 gaps

Options to consider for bond exposure in this account:

FundTickerERIndex / StrategyAnnual Cost on $75K
iShares 20+ Year TreasuryTLT0.15%ICE US Treasury 20+ Year$113
iShares TIPS Bond ETFTIP0.19%Barclays US TIPS$95
Vanguard Total Bond MarketBND0.03%Bloomberg Aggregate$12
2
Consider adding international developed market exposure
Your portfolio is 83% US-concentrated vs a 60% target. International developed markets represent 40% of global market cap. Adding exposure diversifies geographic risk.
Allocation
FundTickerERIndex / Strategy
Vanguard FTSE Developed MarketsVEA0.05%FTSE Developed All Cap ex US
Vanguard FTSE EuropeVGK0.08%FTSE Developed Europe
iShares MSCI JapanEWJ0.50%MSCI Japan
3
Consider consolidating 20+ small positions
18 positions are each under 1% of total portfolio, creating monitoring complexity without meaningful impact. Consolidating to ~25 positions simplifies management and reduces tax reporting burden.
Simplify Tax
Frees up
~$211K
4
Consider reducing NVDA concentration from 4.6% to ~2.1%
NVDA is your single largest equity position. Combined with AVGO, MSFT, GOOGL, META and other tech names, your technology sector exposure is 30% — well above the 20% concentration limit.
Concentration
5
Consider adding emerging market exposure
Your portfolio currently has 0% emerging market exposure vs an 8% target. Emerging markets (China, India, Brazil) represent some of the fastest-growing economies globally.
Allocation
FundTickerERIndex / Strategy
Vanguard FTSE Emerging MarketsVWO0.08%FTSE Emerging Markets
iShares MSCI Emerging MarketsEEM0.70%MSCI Emerging Markets
6
Consider replacing high-ER active funds with index alternatives
Seven funds in your portfolio have expense ratios above 0.50%, with lower-cost alternatives tracking similar indices. See the Fund Cost Comparison section for specific options.
Fee Reduction
Est. savings
$2,685/yr
Section 07

Execution Sequence

If you choose to act on the options above, here is one way to sequence the changes. IRA transactions have no immediate tax impact, so they can be executed first.

Week 1
Deploy IRA Cash
No tax impact — these are tax-deferred accounts
Consider: Buy TLT (20+ Year Treasury)
$75,000
Consider: Buy TIP (TIPS)
$50,000
Consider: Buy BND (Total Bond)
$90,000
Consider: Buy VWO (Emerging Markets)
$25,000
Week 2
Taxable Account — Simplify
Consolidate small positions and reduce concentrations
Consider: Evaluate 20 positions under 1% for consolidation
~$211K
Consider: Reduce NVDA from 619 to ~349 shares
~$50K
Consider: Evaluate IVV position (overlap with direct stocks)
~$100K
Consider: Trim PAVE, MSFT, AVGO to target sizes
~$88K
Week 3
Taxable Account — Diversify
Redeploy proceeds into underweight categories
Consider: Buy VEA, VGK, EWJ (International Developed)
$145,000
Consider: Buy VWO (Emerging Markets)
$60,000
Consider: Add defense exposure (LMT, RTX, NOC)
$75,000
Consider: Add energy and gold (XOM, CVX, GDX)
$90,000
Week 4
Verify & Document
Confirm execution and prepare for tax season
Confirm all trades settled (T+1)
Review new allocation vs targets
Document cost basis for tax reporting
Section 08

Tax Considerations

Estimated tax impact of the taxable account changes outlined in the action plan. IRA transactions are tax-deferred and not included here. Consult your tax advisor before acting.

Estimated Capital Gains

$259,441
Assuming all positions held >1 year (LTCG)

Estimated Tax (15% LTCG)

$38,916
MFJ taxable income <$583K threshold

Estimated Tax (20% LTCG)

$51,888
Above $583K MFJ threshold

With NIIT (23.8%)

$61,747
AGI >$250K MFJ triggers 3.8% surtax

Strategies to Consider

1 Verify all positions have been held over 1 year to qualify for long-term capital gains rates.
2 Consider spreading taxable sales across 2026 and 2027 if nearing a bracket threshold.
3 Identify any positions with unrealized losses that could be harvested to offset gains.
4 Maximize 401k and IRA contributions to reduce AGI in the year of sale.
5 Consider charitable giving of appreciated shares (avoid capital gains entirely on donated amount).

This is not tax advice. Tax situations are highly individual. Please consult a qualified tax professional before making investment decisions with tax implications.

Section 09

Before & After

A side-by-side view of key portfolio metrics if all action plan options were implemented.

Current Portfolio

Risk LevelHIGH
Equity Allocation88%
Bond Allocation0%
International5.4%
Cash15.8%
Tech Concentration30%
Positions47
Weighted Avg ER0.31%
→

After Rebalancing

Risk LevelMODERATE
Equity Allocation68%
Bond Allocation7%
International18%
Cash3%
Tech Concentration18%
Positions~32
Weighted Avg ER0.12%

Projected Allocation After Rebalancing

Section 10

Analysis Summary

A plain-language overview of your portfolio analysis findings.

Portfolio Composition

Your household portfolio of $3.08M is spread across 6 accounts with 85 individual positions. The Joint Taxable account holds 50.6% of total assets and contains 40+ individual stocks, ETFs, structured notes, and gold. The remaining assets are distributed across two Traditional IRAs, two Roth IRAs, and a 401k plan.

Your portfolio is currently positioned as an aggressive growth portfolio — approximately 88% equity with zero dedicated bond exposure. For a 50-year-old household 15 years from retirement, this allocation carries higher volatility risk than your stated moderate risk tolerance suggests.

Key Findings

The analysis identified several areas where your current allocation differs significantly from your stated targets. The most notable gaps include: a $317K shortfall in fixed income, a $511K shortfall in international developed market exposure, zero emerging market exposure, and $394K in excess cash earning minimal returns.

Your technology sector exposure at 30% is well above typical concentration guidelines. NVIDIA alone represents 4.6% of the total portfolio. While these positions have performed well historically, concentrated sector bets increase vulnerability to sector-specific downturns.

On the positive side, your portfolio has a strong cost foundation. Most individual stocks carry no ongoing fees, and your core ETF positions (IVV, PAVE, IAU) have competitive expense ratios. The primary fee optimization opportunity is in the actively managed mutual funds, where lower-cost index alternatives could save approximately $2,685 per year.

Context: Hard Assets

It is worth noting that this analysis covers only your investable securities portfolio. Households with significant hard assets — real estate, business equity, or other illiquid holdings — may reasonably target different allocations in their securities portfolio. For example, substantial real estate holdings could justify a lower bond allocation, since real estate already provides inflation protection and income characteristics similar to bonds.

Important: Unmanaged provides data-driven portfolio analysis tools. This report presents your portfolio data alongside educational context about asset allocation, fees, and diversification principles. This is not investment advice, and Unmanaged is not a registered investment advisor.

All recommendations are framed as options to consider based on your self-selected targets. Past performance does not guarantee future results. Tax implications are estimates only — consult a qualified tax professional. Fund alternatives are suggested based on similar index exposure and lower expense ratios; they are not endorsements.

You are responsible for all investment decisions. Consider consulting a qualified financial professional before making significant portfolio changes.

Report generated January 20, 2026 · Data as of market close January 17, 2026