Maximize what you keep after tax

Returns matter less than what you keep. Rainmaker AI optimizes for after-tax outcomes all year — harvesting losses as they appear, placing assets in the most tax-efficient accounts, and budgeting gains so rebalancing and withdrawals minimize the tax bill.

Tax optimization is continuous, not a year-end event. The engine watches lots, brackets, and account types and acts when there is a real, compliant benefit.

What's included

These capabilities turn tax strategy into an always-on part of portfolio management.

• Tax-loss harvesting – Capture losses opportunistically while avoiding wash sales.
• Asset location – Hold tax-inefficient assets in tax-advantaged accounts.
• Gain budgeting – Set annual realized-gain limits the engine respects when trading.
• Tax-lot selection – Choose optimal lots (HIFO, specific ID) on every sale.
• Withdrawal sequencing – Draw from accounts in the most tax-efficient order in retirement.
• Year-round visibility – Track realized gains, losses, and projected tax impact live.

Use cases

After-tax optimization compounds across these scenarios over time.

• High-net-worth investors – Coordinate gains, losses, and brackets across many accounts.
• Family offices – Manage tax across entities, trusts, and generations.
• RIAs and advisors – Deliver tax alpha at scale without manual lot picking.
• Retirees – Sequence withdrawals to extend portfolio longevity.
• Equity-compensated employees – Plan around concentrated positions and vesting.

Built-in controls and oversight

Tax actions are compliant, explainable, and reviewable before they execute.

• Wash-sale prevention across linked and spousal accounts.
• Gain and bracket limits enforced on every trade.
• Human-in-the-loop approval for material taxable events.
• Full audit trail of lots, harvests, and rationale.
• Encryption and role-based access for sensitive tax data.