Keep every account on target — automatically

Markets move portfolios away from their targets every day. Rainmaker AI restores them with drift-triggered, tax-aware rebalancing that respects each account's tax status, cash flows, and trading constraints — across taxable, IRA, and trust accounts at once.

Instead of calendar-based rebalancing that ignores tax and timing, the engine acts when drift actually matters and routes only the trades worth making.

What's included

Each capability reduces operational drag while protecting after-tax returns.

• Drift-based triggers – Rebalance when allocations exceed your tolerance bands, not on a fixed calendar.
• Tax-loss harvesting – Capture losses and avoid wash sales automatically.
• Cash-flow aware trades – Use deposits, withdrawals, and dividends to rebalance with fewer taxable events.
• Account-type intelligence – Place assets in the most tax-efficient accounts (asset location).
• Bulk execution – Rebalance entire books with consistent, auditable logic.
• Approval workflows – Route exceptions for review before execution.

Use cases

These patterns show how teams keep portfolios aligned without the manual workload.

• RIAs and advisors – Rebalance every household consistently and tax-efficiently.
• Asset managers – Apply model changes across thousands of accounts at once.
• Family offices – Coordinate rebalancing across entities and custodians.
• Retirement accounts – Maintain glidepaths and target allocations over time.
• Self-directed investors – Stay on strategy without watching the market daily.

Built-in controls and oversight

Every rebalance is governed, explainable, and reversible until you approve it.

• Wash-sale and tax-lot logic built into every trade.
• Human-in-the-loop approval for trades above your limits.
• Full audit trail of triggers, trades, and rationale.
• Constraint enforcement for restricted securities and concentration caps.
• Encryption and role-based access across all activity.