Insights
Where you stand
$2.6 M
▼ $6.82 K (-0.26%) today
1W
▼ $22.39 K
1M
▼ $3.54 K
YTD
▼ $32.27 K
Equity moved most today, ▼ $3.86 K.
Your move
Consider rebalancing your portfolio to address the high allocation to real estate, as its weight of 94.8% may pose a risk to your overall portfolio, and why you should aim for a more diversified allocation.
Where you stand
Your net worth is $2,599,903.95, down $6,818.99 since the last update.
Tax & cash
Consider harvesting losses in RBRK, RKLB, DOGE, QUBT, and LMND, as you have $8,793.76, $4,751.05, $4,032.40, $3,242.62, and $2,002.00 in harvestable losses, respectively, to offset potential gains and reduce your tax liability.
Goals — are you on track?
Your moves · ranked by freedom impact
Max your 401(k) tax
You've put $6,000.00 of the $24,500.00 2026 employee limit — $18,500.00 of pre-tax room left. (Limit excludes the age-50+ catch-up, which is higher.)
≈ $4,440.00/yr of controllable, no-market-risk savings.
Tax playbook ≈ $4.44 K/yr
≈ $4.44 K/yr of controllable tax savings at a 24% marginal rate — no market risk.
Harvest the loss in RBRK
Realize ~$8,793.76 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in RKLB
Realize ~$4,751.05 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in DOGE
Realize ~$4,032.40 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in QUBT
Realize ~$3,242.62 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in LMND
Realize ~$2,002.00 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in AMC
Realize ~$1,975.55 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in BND
Realize ~$1,754.00 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in TEM
Realize ~$1,522.08 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in TSM
Realize ~$1,169.84 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in ACHR
Realize ~$1,085.87 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in XRP
Realize ~$501.96 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in FRMI
Realize ~$427.03 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in RNAC
Realize ~$383.02 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in LTC
Realize ~$274.97 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in RXRX
Realize ~$144.40 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Harvest the loss in UUUU
Realize ~$126.28 of long-term loss. It offsets capital gains of the same type first, then up to $3,000.00/yr of ordinary income; any remainder carries forward. Worth most when you have gains to offset.
Max your 401(k) verify
You've put $6,000.00 of the $24,500.00 2026 employee limit — $18,500.00 of pre-tax room left. (Limit excludes the age-50+ catch-up, which is higher.)
≈ $4.44 K
Max your IRA verify
$7,500.00 of room left vs the $7,500.00 2026 limit (traditional or Roth, incl. backdoor). Savings depend on which — pre-tax now or tax-free growth.
Relocate tax-inefficient assets
~$2,465,267.00 of bonds/REITs sit in taxable accounts. Holding them in a 401(k)/IRA instead shelters their ordinary-income distributions.
Positions to review 12
BTC LPATH IDX 2050 M 13% · $327.65 K
BTC LPATH IDX 2050 M: 13% of net worth (single-holding concentration).
Trim to diversify
Archer Aviation Inc. 3% · $71.85 K
Archer Aviation Inc.: down $1,085.87 vs cost (harvestable loss); trailing the market by 69% over ~1y; negative 12-1 momentum (-63%, modest signal); high volatility (~72%/yr).
Harvest
Rubrik, Inc. 2% · $47.07 K
Rubrik, Inc.: down $8,793.76 vs cost (harvestable loss); trailing the market by 40% over ~1y; negative 12-1 momentum (-3%, modest signal); high volatility (~61%/yr).
Harvest
CrowdStrike Holdings, Inc. 1% · $27.72 K
CrowdStrike Holdings, Inc.: up $17,615.62 vs cost; trailing the market by 75% over ~1y; negative 12-1 momentum (-59%, modest signal); high volatility (~81%/yr).
Review / consider exiting
GUIDEWIRE SOFTWARE INC 1% · $15.95 K
GUIDEWIRE SOFTWARE INC: up $2,268.00 vs cost; trailing the market by 41% over ~1y; negative 12-1 momentum (-38%, modest signal); high volatility (~52%/yr).
Review / consider exiting
Taiwan Semiconductor Manufacturing Co. Ltd. ADR 0% · $10.98 K
Taiwan Semiconductor Manufacturing Co. Ltd. ADR: down $1,169.84 vs cost (harvestable loss); high volatility (~38%/yr).
Harvest
Rocket Lab Corporation 0% · $9.4 K
Rocket Lab Corporation: down $4,751.05 vs cost (harvestable loss); high volatility (~92%/yr).
Harvest
BND 0% · $7.25 K
BND: down $1,754.00 vs cost (harvestable loss); trailing the market by 15% over ~1y.
Harvest
Tempus AI, Inc. 0% · $4.54 K
Tempus AI, Inc.: down $1,522.08 vs cost (harvestable loss); trailing the market by 44% over ~1y; high volatility (~68%/yr).
Harvest
Lemonade Inc. 0% · $4.35 K
Lemonade Inc.: down $2,002.00 vs cost (harvestable loss); trailing the market by 11% over ~1y; high volatility (~80%/yr).
Harvest
Quantum Computing Inc. 0% · $3.04 K
Quantum Computing Inc.: down $3,242.62 vs cost (harvestable loss); trailing the market by 67% over ~1y; negative 12-1 momentum (-56%, modest signal); high volatility (~109%/yr).
Harvest
Microsoft Corporation 0% · $2.37 K
Microsoft Corporation: up $1,091.66 vs cost; trailing the market by 42% over ~1y; negative 12-1 momentum (-23%, modest signal).
Review / consider exiting
Where to reinvest:
• Set a target allocation to get reinvestment guidance.
Entry/exit targets with price-cross alerts.
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Cash & fees 1
BTC LPATH IDX 2050 M is 12.6% of your portfolio — single-holding concentration risk.
Coaching brain llama-3.3-70b-versatile
Only de-identified aggregates ever leave the device, and a hard guard blocks anything PII-shaped. Last briefing written by llama-3.3-70b-versatile.
Decision-support only — not financial or tax advice.