Fee-only advisors for direct indexing, tax-loss harvesting, and portfolio-level tax alpha.
Direct indexing — holding 200-400 individual stocks that replicate an index rather than buying an ETF — enables tax-loss harvesting at the single-stock level. In volatile markets, this generates 0.5-1.5%/year of tax alpha on a diversified portfolio. At $2M taxable, that's $10-30K/year of incremental wealth. Works best when you have meaningful ordin
What our matched specialists handle
- Is direct indexing worth it at my asset level?
- Parametric vs Aperio vs Schwab vs Wealthfront — who should I use?
- I have big capital losses from 2022 — how do I put them to work?
- Direct indexing with concentrated-stock background — can it help me diversify tax-efficiently?
- Tax alpha vs fees — what's the realistic after-cost benefit?
- ESG / custom screens within direct indexing — what's the tradeoff?
Tools & guides
Direct Indexing Tax Alpha Calculator
Estimate annual after-tax benefit of direct indexing vs ETF index fund in your taxable account.
Direct Indexing Complete Guide
Detailed framework — rules, tradeoffs, and common mistakes.
Platform Comparison: Parametric vs Aperio vs Schwab vs Wealthfront
Minimums, fees, customization depth, and which platform fits your situation.
Tax-Loss Harvesting at Scale
How direct indexing turns routine volatility into after-tax alpha — the math, the limits, and when it's worth it.
Direct Indexing for Concentrated Stock Positions
Using a direct-indexed portfolio as a loss engine to fund tax-efficient diversification out of a single large position.
ESG and Custom Screens in Direct Indexing
What happens to tax-loss harvesting alpha when you apply values-based or sector exclusions — and which platforms handle it best.
Is Direct Indexing Worth It? A Net Cost-Benefit Framework
The exact math — by portfolio size and tax bracket — for whether the TLH tax alpha pays for the fee premium over a low-cost ETF.
How to Transition from ETFs to Direct Indexing Without a Big Tax Bill
Five strategies for investors with existing ETF positions and large embedded gains — in-kind transfer, gradual liquidation, loss carryforward, charitable donation, and hybrid approaches.
Direct Indexing for High-Income Earners: The 23.8% Advantage
How the combined federal LTCG+NIIT rate and state tax stacking change the math — plus income event coordination for RSU holders, K-1 investors, and executives.
Platform Selector: Find the Right Direct Indexing Provider
Answer 5 questions about your portfolio and preferences — get a scored recommendation across Frec, Wealthfront, Schwab, Parametric, and Aperio.
Direct Indexing vs. ETF Index Funds: The Complete Comparison
Both track the same index. Here's the exact math on when direct indexing's tax alpha justifies the fee premium — and when a cheap ETF still wins.
Capital Loss Carryforwards and Direct Indexing
Sitting on 2022–2023 losses? Three strategies for deploying your carryforward alongside direct indexing — including using losses to fund a zero-tax ETF-to-DI transition.
Tax Location Strategy With Direct Indexing: What Goes Where
Direct indexing belongs in taxable — but what about your bonds, REITs, and Roth? The account-structure framework for maximizing after-tax return across all three buckets.
Direct Indexing and Estate Planning: The §1014 Step-Up Advantage
Harvest losses in life, step up gains at death. How §1014, DAF gifting, and annual exclusion strategies interact with your DI portfolio — and what OBBBA's $15M exemption does and doesn't change.
Tax-Loss Harvesting Advisor: When You Need One and What to Look For
Automated platforms handle single-account TLH. A specialist advisor earns their fee with multi-account wash-sale protection, income event coordination, and full tax-plan integration.
Direct Indexing Minimum: How Much Do You Need?
Platform minimums start at $5K–$20K, but the economic break-even is $250K–$500K+ for most investors. Full breakdown by platform tier and tax bracket.
Direct Indexing for RSU Holders
RSU vesting funds a DI account without embedded-gain complications. How to build a loss bank ahead of planned share sales, avoid the employer-stock wash-sale trap, and coordinate with your vesting calendar.
Schwab Personalized Indexing: Complete Review (2026)
$100K minimum, 0.40% fee, daily tax-loss harvesting. What Schwab SPI does well, the multi-account wash-sale limitation that matters most, and when an advisor-coordinated platform makes more sense.
Wealthfront Direct Indexing: Complete Review (2026)
0.25% all-in for US Direct Indexing ($100K min) or 0.09% for standalone S&P 500 Direct ($5K min). The cost leader in retail DI — and the key limitations that matter once your tax picture gets complex.
Parametric Direct Indexing: Complete Review (2026)
The largest direct indexing provider — advisor-only, ~$250K+ minimum, and far deeper customization than any retail platform. Custom benchmarks, factor tilts, concentrated-stock overlays, and true cross-account wash-sale protection.
BlackRock Aperio Direct Indexing: Complete Review (2026)
The most customizable direct indexing platform — $1M+ minimum, advisor-only, and uniquely suited for investors with deep ESG requirements, long/short extension strategies, or UHNW tax complexity. How it compares to Parametric.
Frec Direct Indexing: Complete Review (2026)
0.09% fee, $20K minimum — the lowest-cost direct indexing platform. Why the fee structure changes the break-even math at every asset level, plus the multi-account limitations that matter at $500K+.
Direct Indexing and Roth Conversions
Capital losses don't offset Roth conversion income — but DI supercharges your conversion strategy by eliminating fund capital gains distributions and keeping taxable income lower. The real math, with a worked example.
Fidelity Direct Indexing: Complete Review (2026)
Fidelity offers two tiers: FidFolios ($5K minimum, 0.40%, self-directed) and the advisor-tier Tax-Managed Strategy through Fidelity Strategic Disciplines ($100K, 0.20–0.49%). How they compare — and the cross-account limitation both share.
Vanguard Personalized Indexing (VPI): Complete Review (2026)
Vanguard's advisor-only direct indexing platform: ~$250K minimum, 0.20% platform fee, sub-advisory model through your RIA. How VPI compares to Parametric, Schwab, and Wealthfront — and when the Vanguard brand delivers real tax alpha.
Direct Indexing for K-1 Investors: Offsetting Partnership Capital Gains
PE, real estate, and hedge fund LPs face large, lumpy K-1 capital gain events they can't control. How to pre-position a direct indexing loss bank to absorb those gains — including §1231 treatment, §1250 recapture limits, late K-1 delivery workarounds, and why advisor-coordinated platforms are essential.
How to Find and Hire a Direct Indexing Advisor
What separates a genuine direct indexing specialist from a generalist offering it as a side product — platform access, multi-account coordination, income event process, and the six questions to ask before hiring.
Wash Sale Rule and Direct Indexing: The Cross-Account Risk That Erases Your Losses
IRC §1091 applies to every account you and your spouse own — including IRAs where disallowed losses are permanently unrecoverable. How platforms handle it, where they fall short, and why advisor coordination matters.
Direct Indexing for Retirees: 0% Gain Harvesting, IRMAA Cliffs, and the §1014 Payoff
Retirement opens the 0% LTCG bracket, turns IRMAA into a real annual cost, and moves the §1014 step-up from theory to near-term planning. How DI works differently — and more precisely — in distribution.
Direct Indexing with ISOs and AMT
ISOs generate no regular tax at exercise but trigger AMT on the bargain element. Direct indexing builds the loss bank that offsets the qualifying-disposition LTCG — and cannot touch the AMT at exercise. The strategy, 2026 AMT numbers, and a worked California example.
Direct Indexing for Trust Accounts: The Compressed-Bracket Advantage
Non-grantor irrevocable trusts face a 23.8% LTCG+NIIT rate starting at just $16,250 of income (2026) — vs. $583,750+ for married couples. That makes every dollar of tax-loss harvesting worth 59% more than in a typical individual account. How it works, the grantor/non-grantor distinction, and three trustee strategies.
Direct Indexing After Selling a Business
Sold your company? Reinvest exit proceeds into a direct-indexed loss bank that offsets earnouts, rollover equity gains, and K-1 income in the years after close. Includes 2026 QSBS rules (OBBBA $15M cap), the California nonconformity problem, §1245 limits, and a worked founder example.
Direct Indexing for NQSO Holders
NQSOs create ordinary income at exercise — direct indexing can't offset that. But the long-term capital gains when you later sell appreciated shares are fully offsettable. The employer-stock wash-sale trap, the exercise-and-hold strategy, and a worked example for a California executive.
Direct Indexing and Charitable Giving: DAF Strategy, QCDs, and 2026 OBBBA Rules
Donating high-gain DI lots to a DAF eliminates capital gains, generates a deduction, and resets your portfolio's cost basis — extending TLH alpha for years. Includes the 2026 OBBBA 0.5% AGI floor and 35% deduction cap, QCD mechanics for retirees, and the charitable rotation strategy.
Direct Indexing vs. Tax-Managed Funds: When Each Wins
DFA and Vanguard tax-managed funds are excellent — but they manage taxes at the fund level. Direct indexing does it at the individual investor level, coordinating with your RSU vesting, K-1 gains, and concentrated stock. The decision framework, fee comparison, and when each approach wins.
Mutual Funds with Embedded Gains: Direct Indexing as Your Tax-Efficient Exit
Unlike ETFs, mutual funds can't be transferred in-kind — you must sell, triggering capital gains. Direct indexing builds the loss bank that funds a gradual exit while offsetting annual capital gains distributions in the meantime.
IBKR Custom Indexing: Complete Review (2026)
Interactive Brokers Custom Indexing is the only major direct indexing tool built into a custodian platform — no separate platform fee, RIA-only, fractional shares. How it compares to Parametric and Aperio for fee-conscious advisors at $150K–$2M+.
International Direct Indexing: When the US-First Strategy Wins
Most DI is domestic-only for good reason: higher trading costs, currency friction, and multi-market settlement complexity erode TLH alpha for international stocks. When to apply DI to your US equity and use an ETF for international — and when global DI makes sense.
Direct Indexing for Real Estate Investors: Offsetting §1231 Gains
Selling a rental property creates §1250 depreciation recapture (DI can't help) and §1231 LTCG (DI can offset at 37.1% in California). How to build a pre-sale loss bank, avoid the §1231 lookback trap, and size your DI account against an expected property sale.
Direct Indexing for Non-Qualified Deferred Compensation (NQDC / §409A)
NQDC distributions are 100% ordinary income — capital losses can't offset them directly. Here's how direct indexing adds $30K–$80K/year in tax value for executives with large deferred comp balances through capital-gains absorption, NIIT suppression, and pre-distribution gain harvesting.
Direct Indexing in California: The 37.1% Combined Rate
California taxes long-term capital gains as ordinary income at 13.3%. Combined with federal rates, top-bracket CA investors face 37.1% on gains — 56% more than Texas or Florida. How that changes the break-even math, the QSBS nonconformity problem for founders, and RSU strategy for Bay Area employees.
Direct Indexing in New York City: The 37.3%–38.6% Combined Rate
NYC adds a 3.876% city income tax on top of New York State's ordinary-income treatment of capital gains. Top-bracket NYC investors face 37.3%–38.6% combined — the highest rate of any major U.S. metro. Tristate comparison (NYC vs. NJ vs. CT), PE carry mechanics, QSBS conformity status, and what it means for your DI break-even.
Direct Indexing in New Jersey: 32.77%–34.55% Combined LTCG Rate
NJ taxes all capital gains as ordinary income — no preferential rate — at up to 10.75%. No city income tax keeps NJ below NYC totals, but top-bracket NJ investors still face 34.55% combined. New 2026 QSBS conformity, pharma RSU strategy, and how the break-even math works for NJ finance commuters and pharma executives.
Direct Indexing in Connecticut: The 30.79% Rate and Greenwich Hedge Fund Strategy
CT taxes capital gains as ordinary income at 6.99% — no preferential rate. Combined with federal, top-bracket CT investors face 30.79%. For Greenwich hedge fund professionals (Bridgewater, AQR, Viking, Tudor, Point72), Hartford executives, and NYC commuters: the K-1 income loss-bank strategy, CT's unique dual estate+gift tax, and the tristate relocation math.
Direct Indexing in Illinois: Chicago Investors, the 28.75% Rate, and the $4M Estate Tax Cliff
Illinois taxes capital gains as ordinary income at 4.95% flat — no preferential rate, no Chicago city tax. Combined with federal, top-bracket IL investors face 28.75%. For Citadel and Jump Trading professionals, Chicago PE managers (GTCR, Madison Dearborn), and corporate executives at Abbott, United, and CDW: the K-1 loss-bank strategy, the $4M non-portable IL estate tax trap, and RSU wash-sale management.
Direct Indexing in Washington State: 7% and 9.9% Capital Gains Tax
Washington has no general income tax — but its capital gains excise tax (7% up to $1M, 9.9% above) stacks on top of federal to create a 30.8%–33.7% combined rate. Amazon and Microsoft RSU holders, founders, and executives face meaningful WA LTCG exposure when selling appreciated equity. Break-even math and the employer-stock wash-sale screen explained.
Direct Indexing in Massachusetts: The Surtax Cliff at ~$1.1M
Massachusetts adds a 4% surtax on all income above ~$1,107,750 — and capital gains count toward that threshold. For Kendall Square biotech executives, Boston PE partners, and Fidelity/State Street asset managers, direct indexing loss harvesting can keep total income below the cliff. Combined LT cap gains rate: 28.8% below the threshold, 32.8% above it.
Direct Indexing for ESPP Holders
ESPP qualifying dispositions split your gain two ways: ordinary income capped at the discount element, and a potentially large LTCG on appreciation — exactly what direct indexing offsets. The two-part tax formula, the compound wash-sale risk when you have both ESPP and RSUs, and how to time a DI loss bank around your qualifying disposition calendar.
Direct Indexing in Oregon: 33.7%–37.7% Combined Capital Gains Tax
Oregon taxes capital gains as ordinary income at 9.9%. Portland metro adds 1% SHS and Multnomah County adds up to 3% PFA — pushing the combined rate to 37.7% for top-bracket Portland investors, rivaling California and NYC. Nike, Intel, and OHSU employees: break-even math, employer-stock wash-sale traps, and Oregon's $1M estate tax interaction with §1014 planning.
Direct Indexing in Texas: Does It Still Make Sense at 23.8%?
Texas has no state income tax — the combined LTCG rate is 23.8% federal-only. That's 56% lower than California, which raises the break-even hurdle. But for Houston energy professionals with MLP K-1 income, California transplants with RSU vesting, and Austin tech executives, direct indexing still generates thousands in annual after-fee tax savings at $1M+ portfolios. The honest break-even analysis, platform selection, and Texas-specific strategies.
Direct Indexing in Florida: Retirees, Transplants, and the 23.8% Math
Florida has no state income tax — same 23.8% federal-only rate as Texas. But Florida's DI story is dominated by three groups: wealthy retirees managing the §1014 step-up and IRMAA Medicare cliffs, CA/NY transplants timing domicile change before selling appreciated assets, and Miami's growing PE and hedge fund community. How the math works, when DI clearly pays off, and when a cheap ETF still wins.
JPMorgan Direct Indexing: Tax-Smart SMA Platform Review (2026)
J.P. Morgan Asset Management's Tax-Smart Direct Index Strategies: $250K minimum, 0.23% fee (under $1M) declining to 0.10% at scale, advisor-only through RIA network. Multiple index strategies (Large Cap, Broad Market, Small Cap, Carbon Transition ESG). How JPMAM compares to Parametric, Vanguard VPI, and Aperio — and when each is the right choice.
Canvas by Franklin Templeton: Complete Review (2026)
The advisor-tier platform built on O'Shaughnessy Asset Management's factor research: $100K minimum (lowest in the advisor-only tier), ~0.15% platform fee, and a strategy library that combines passive DI with quality, value, and momentum factor tilts. Added options overlay and Tax-Aware Long-Short in 2025. How Canvas compares to Parametric, Vanguard VPI, and Aperio.
Direct Indexing in Minnesota: Twin Cities Investors, the 33.65% Rate, and the $3M Estate Tax Trap
Minnesota taxes capital gains as ordinary income at up to 9.85% — no preferential rate, no city income tax. Combined with federal, top-bracket MN investors face 33.65% (rising to 34.65% in high-event years with NII over $1M). For UnitedHealth, Target, 3M, and Ameriprise executives, Medtronic and Boston Scientific medical device professionals, and Twin Cities PE managers: the break-even math, the non-portable $3M estate tax, and the investment income surtax.
Direct Indexing in Maryland: Montgomery County Investors, the 35.5% Combined Rate, and the $5M Estate Tax Gap
Maryland's 2026 capital gains surtax (2% on AGI over $350K) stacks on top of the new 6.25%–6.5% state brackets and 3.2% county income tax, creating a 35.5% combined LTCG rate for top-bracket Montgomery County investors. For Lockheed Martin and Marriott executives in Bethesda, T. Rowe Price and Franklin Templeton finance professionals in Baltimore, and I-270 corridor biotech employees: the break-even math, the surtax mechanics, and the $5M state estate tax gap vs. the $15M federal threshold.
Morgan Stanley Direct Indexing: Parametric, Wirehouse Fees, and the Advisor Choice (2026)
Morgan Stanley owns Parametric Portfolio Associates — the industry's largest direct indexing platform by AUM. When an MS Financial Advisor sets up DI for a client, they're deploying Parametric Custom Core. Here's how the wirehouse distribution model compares to accessing the same platform through a fee-only independent RIA: fees, fiduciary standards, and who each path serves best.
Goldman Sachs Direct Indexing: TACS Platform Review (2026)
Goldman Sachs Asset Management's Tax-Advantaged Core Strategies (TACS): 25+ year track record, ~$191B in direct indexing AUM, $250K minimum, ~0.20% platform fee. New ETF Look-Through feature (May 2025) uniquely lets GSAM manage existing ETF positions alongside the DI account — the most advanced ETF-to-DI transition tool at any advisor-tier platform. Available via RIA channel and Merrill Lynch / Morgan Stanley wirehouse UMAs.
Direct Indexing in Pennsylvania: Philadelphia Investors, the 26.87% Rate, and the Inheritance Tax Trap
Pennsylvania's 3.07% flat income tax applies to all capital gains — no preferential LTCG rate. Combined with federal, top-bracket PA investors face 26.87% statewide (30.61% in Philadelphia with the city's School Income Tax). PA is one of only four states that doesn't conform to the QSBS exclusion — alongside California — and its 4.5% inheritance tax limits how far the §1014 step-up strategy takes you. For Comcast and NBCUniversal executives, Vanguard employees in Chester County, and GSK and AmerisourceBergen pharma professionals.
Direct Indexing in Virginia: Amazon HQ2, Defense Contractor RSUs, and the 29.55% Combined Rate
Virginia taxes all capital gains as ordinary income at a flat 5.75% — no city income tax, no estate tax, and full QSBS conformity. Combined with federal, top-bracket Virginia investors face 29.55%. For Amazon HQ2 employees in Arlington managing AMZN RSU wash-sale exposure, Booz Allen Hamilton, SAIC, and Leidos defense contractors in Northern Virginia, and Capital One executives in McLean: the break-even math, RSU employer-stock exclusion strategy, and proposed 2027 rate changes to watch.
Merrill Lynch Direct Indexing: Canvas SMA, Wirehouse Fees, and the Advisor Choice (2026)
Merrill Lynch's primary direct indexing vehicle is the Franklin S&P 500 Canvas Tax Managed SMA — $100K minimum, 0.15% platform fee — delivered through the MLIAP wrap program. The same Canvas platform is also accessible via fee-only RIAs. How the Merrill wirehouse model compares on cost and fiduciary standard, when the BofA relationship adds real value, and when an independent fee-only RIA is the better route.
Altruist Personalized Indexing: Complete Review (2026)
Altruist launched personalized indexing in March 2026 with a $2,000 minimum — the lowest in the industry by a factor of 50. No added platform fee, no subadvisory contract, 44+ personalization filters. Only available through Altruist-custodied fee-only advisors, but for those clients the economics are immediately positive at every account size since there's no fee hurdle to overcome before TLH alpha adds value.
Direct Indexing in North Carolina: Charlotte Banking, Research Triangle Tech, and the 27.79% Rate
NC taxes capital gains as ordinary income at 3.99% flat in 2026 — no preferential rate, no city income tax in Charlotte or Raleigh. Combined with federal, top-bracket NC investors face 27.79%. For Bank of America, Truist, and Duke Energy executives in Charlotte; IBM, Red Hat, Epic Games, and Apple RSU holders in the Research Triangle; and RTP biotech founders with QSBS gains: the break-even math, NC's full §1202 QSBS conformity, the clean §1014 step-up story with no state estate tax, and the planning window as NC rates decline toward 2.99% by 2028.
Direct Indexing in Georgia: Atlanta's Fortune 500 Corridor and the 28.79% Combined Rate
Georgia taxes capital gains as ordinary income at 4.99% flat (HB 463, 2026) — no preferential rate, no Atlanta city income tax. Combined with federal, top-bracket GA investors face 28.79%. For Coca-Cola, Home Depot, Delta, UPS, Equifax, ICE, and Global Payments executives managing RSU vesting and concentrated stock; Atlanta fintech professionals in Transaction Alley; CA/NY transplants timing domicile change; and founders with full Georgia QSBS conformity: the break-even math and coordination strategy.
Direct Indexing in Colorado: Denver Tech, Defense, and the 28.2% Combined Rate
Colorado taxes capital gains as ordinary income at 4.4% flat (SB 21-124) — no preferential rate, no Denver city tax on investment income. Combined with federal, top-bracket CO investors face 28.2%. For Palantir, Lockheed Space, Ball Corporation, and DaVita executives; Boulder startup founders with full Colorado QSBS §1202 conformity; defense contractor RSU holders (Lockheed/Northrop/RTX); and California transplants arriving with appreciated portfolios: the break-even math, CA domicile-year cautions, and the clean §1014 step-up with no Colorado estate tax.
Direct Indexing in Arizona: Intel, TSMC, and the 26.3% Combined Rate
Arizona's 2.5% flat income tax — lowest of any state that taxes capital gains — gives top-bracket investors a 26.3% combined LTCG rate. A potential 25% LTCG deduction under A.R.S. § 43-1022(22) may reduce it further to ~25.7%. For Intel and TSMC semiconductor engineers in Chandler; Raytheon Missiles & Defense employees in Tucson; Scottsdale retirees managing IRMAA and §1014 step-up; and the large flow of California transplants arriving with appreciated portfolios: the break-even math, loss bank deployment strategy, and platform selection at Arizona's low combined rate.
Direct Indexing in Michigan: Ford, GM, Stryker RSUs and the 28.05% Combined Rate
Michigan taxes capital gains as ordinary income at 4.25% flat — confirmed at that rate for 2026 by the Michigan Treasury in April 2026. Detroit's 2.4% city income tax does not apply to capital gains under Act 284 of 1964 — so the combined rate is 28.05% statewide. For Ford, GM, and Stellantis RSU holders navigating the EV transition; Stryker and medical device executives in Kalamazoo; Rocket Companies and UWM fintech professionals in Detroit; Dow Inc. executives in Midland; and CA/NY transplants arriving with appreciated portfolios: the break-even math, QSBS Michigan conformity (with OBBBA caveats), and the clean §1014 step-up with no Michigan state estate tax.
Direct Indexing in Ohio: The 26.55% Rate and Why City Income Taxes Don't Apply to Capital Gains
Ohio's 2.75% flat income tax (HB 96, TY2026) produces a 26.55% combined LTCG rate — and Ohio's municipal income taxes (Columbus 2.5%, Cleveland 2.5%, Cincinnati 1.8%) don't apply to capital gains from investment portfolios under ORC §718. For P&G, Sherwin-Williams, Parker Hannifin, Cardinal Health, Progressive, and KeyBank equity-comp holders: the break-even table, RSU coordination strategy, the 2026 Ohio business capital gains deduction for Ohio founders, and the clean §1014 step-up with no Ohio state estate tax.
Dimensional Fund Advisors (DFA) Direct Indexing: Factor SMAs, $500K Minimum, and Advisor Access (2026)
DFA's separately managed accounts are not index-replication products — they're factor-tilted portfolios (small cap, value, profitability) with tax management integrated throughout. $500K minimum, DFA-approved RIAs only. How Dimensional SMAs differ from Parametric, Vanguard VPI, and Goldman Sachs TACS — and when a factor-based approach belongs in your taxable account alongside TLH.
Direct Indexing in Utah: Silicon Slopes RSU Strategy and the 28.25% Combined Rate
Utah taxes capital gains as ordinary income at 4.45% flat in 2026 (SB 116) — no preferential rate, no city income tax in Salt Lake City or the Silicon Slopes corridor. Combined with federal, top-bracket UT investors face 28.25%. For Adobe, Goldman Sachs SLC, Domo, Nu Skin, and Health Catalyst equity-comp holders; startup founders with full Utah QSBS §1202 conformity; K-1 investors in PE funds; and California transplants arriving with appreciated portfolios: the break-even math, domicile-year cautions, and the clean §1014 step-up with no Utah estate tax.
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Direct Indexing Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network — we don't manage money or provide advice ourselves. Advisors in our network are fiduciaries who charge transparent fees (not product commissions), and we match you based on your specific situation.