Current Allocation vs MSCI ACWI Target

Region Current Value Current % Target % Delta % Delta $ Status
US $677,400 67.65% 63.0% +4.7% $+46,518 Overweight
International Developed $216,000 21.57% 26.0% -4.4% $-44,364 Underweight
Emerging Markets $108,000 10.78% 11.0% -0.2% $-2,154 On Target
1 account excluded from rebalancing. Empower — 401(k)
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Recommended Rebalancing Trades

Trades are ordered to minimize tax impact: tax-advantaged accounts first, then loss-harvesting in taxable accounts. Share counts are rounded down to whole shares.

Action Symbol Account Type Region Shares Price Amount Tax Impact
SELL VTI Fidelity — Traditional IRA Tax-Adv US 166 $280.00 $46,480 None (tax-advantaged account)
BUY VEA Vanguard — Roth IRA Tax-Adv International Developed 844 $52.50 $44,310 None
BUY VWO Vanguard — Roth IRA Tax-Adv Emerging Markets 46 $46.00 $2,116 None

Tax Impact Summary

Total Sells
$46,480
In Tax-Advantaged (no tax)
$46,480
In Taxable Accounts
$0
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