Smartleaf

Portfolio rebalancing at wealth advisory firms typically consumes hours of advisor time per week, with tax-sensitive transitions requiring manual trade-by-trade decisions across dozens or hundreds of accounts. Smartleaf addresses this by building an enterprise rebalancing platform that removes advisors entirely from the daily rebalancing and trading workflow, redirecting that time toward client relationships. The architecture divides portfolio responsibility across three distinct roles: the client-facing advisor sets personalization and tax preferences per account, the investment policy committee governs model allocations and product choices, and a small central trading group executes all rebalancing daily.

The platform's structural distinction is its non-sleeved, whole-portfolio approach. Rather than managing sub-accounts by sleeve, Smartleaf manages every asset class, including mutual funds, ETFs, individual equities, and ADRs, holistically within a single account. This reduces dispersion and enables more precise tax optimization. Direct indexing receives the same treatment: replacing an ETF with a direct index is a single menu selection, with no separate SMA account opening, no additional wash-sale tracking, and no change to cash management workflows. Per-client reporting documents the taxes saved or deferred annually, with Smartleaf users averaging 2.72% of portfolio value in tax savings or deferrals in 2025.

Key capabilities include:

• Year-round tax loss harvesting, short-term gains avoidance, and multi-year tax-sensitive transition planning
• Advanced householding that uses tax-deferred accounts as rebalancing centers across a household
• A Model Distribution Service providing access to third-party asset allocation and security models
• Per-client Taxes Saved reports quantifying advisor-generated tax value
• ESG, SRI, and religious values screens implemented via menu selection

Smartleaf is sold to wealth advisory firms, RIAs, trust companies, and TAMPs rather than directly to family offices or principals. Pricing is not publicly disclosed. Firms managing portfolios in-house without a dedicated trading operation will get the most from this platform.

• Automated daily portfolio rebalancing across an entire book of business
• Tax loss harvesting and multi-year tax-sensitive transition management
• Direct index management at account level without separate SMA workflows
• Per-client tax savings documentation and reporting
• Portfolio customization including ESG, SRI, and security-level constraints
• Model distribution and third-party model access

• Advisor Portal for account setup, customization, and real-time tax and risk feedback
• Automated tax lot selection and wash sale avoidance
• Year-round tax loss harvesting with tax budget controls
• Multi-year tax-sensitive transition planning with projected first trades
• Advanced householding across multiple accounts with tax-deferred rebalancing centers
• Model Distribution Service with third-party model access
• Automated cash management including scheduled withdrawals and overdraft prevention
• Per-client Taxes Saved or Deferred annual report
• ESG, SRI, and religious values screens via menu selection
• Direct index support including fractional shares

Built for Advisors / Wealth Advisors (RIA), Investment Teams.