The Tax-Friendly model is designed for nonqualified accounts (individual, joint, trust accounts, etc.). The portfolio was selected because of its low-activity nature. This means internal transactions will be held to a minimum to reduce annual capital gain exposure. Additionally, subscribers are encouraged to use capital gain and loss harvesting techniques to further reduce tax exposure.

The model itself will be low activity. Annual rebalancing is encouraged.

The allocations below were selected to optimize return and minimize volatility. Subscribers are free to modify allocations to fit their needs.