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
Situations we 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?
Why a specialist. Direct-indexing platforms are commoditizing but the portfolio-construction and tax-coordination decisions are not. Is your ordinary-income exposure enough to make the tax-loss harvesting valuable? Should the direct-indexed portfolio replace your core equity allocation or be an overlay? A specialist integrates direct indexing with the rest of your tax plan rather than treating it as a standalone platform choice.
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.
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