Product · Agents

Planning workflows that run while you sleep.

Tax-loss scans, RMD scheduling, concentration monitoring, Roth conversion windows. Drift runs in the background; you approve in the morning.

The morning queue

Five things that need an advisor today.

Generated 06:14 ET · 5 items · 0 critical

Tax-loss harvesting
Reyes Family · Joint Taxable
NVDA lot from 03/14 down 18.4% — eligible for harvest. Wash-sale clear. Suggested replacement: SMH for 31 days.
Save ~$8,400
RMD
Henry Pemberton · Traditional IRA
First RMD of $96,400 due by April 1, 2027. Household preference: QCD-eligible distribution to St. Mary’s.
Due in 11 mo
Concentration
Calloway Household · 41% in MSFT
Crossed 40% threshold this morning after gain. Per IPS, recommend trim to 28% over two quarters.
Threshold breach
Roth window
Aldrich Family · Joint
Income window for Roth conversion opens September. Estimated optimal conversion: $185k at 24% bracket.
Q3 opportunity
Beneficiary
Vance Trust · IRA
IRA primary beneficiary still lists former spouse (divorced 2019). Update needed before next QPR.
Needs action

The catalog

Tax-loss harvesting

Continuously monitors taxable accounts for harvest-eligible lots. Wash-sale aware across linked households.

RMD scheduling

Tracks every required distribution across IRAs and inherited accounts. QCD-aware. Surfaces 11 months early.

Concentration monitor

Per-household IPS thresholds. Alerts on breach. Drafts the conversation note when it triggers.

Roth conversion windows

Reads the income trajectory. Surfaces conversion opportunities when the bracket and the cash both line up.

Beneficiary review

Catches stale designations against marital status, deceased relatives, and account-type rule changes.

Fee verification

Reconciles billed advisory fees against custodial fee deductions. Flags anything off by more than $1.

Cash sweep

Watches cash balances across the household. Sweeps to the right vehicle by household rule.

Custom agents

Define your own. Triggered by data events; produce drafts that wait for advisor sign-off.

How approval works

Run agents on your firm