Your family's money,
working as one.
See exactly how much more your family earns when capital is pooled — before you create an account.
Stake Distribution
5-Year Portfolio Value
Per Member
$242KFee Savings
$16Kvs. Separate
+$67KNo credit card required · Invite family members in 60 seconds
Joint accounts
outperform by 37%
Five years of proprietary data across 2,400 family accounts. Pooled capital earns more — not because of luck, but because of scale.
Cumulative Return — Joint vs. Separate Accounts
$500,000 initial investment · Net of all fees · 2019–2024
Joint: +8.2%
Separate: +5.9%
Joint: +17.8%
Separate: +12.4%
Joint: +29.1%
Separate: +19.7%
Joint: +42.5%
Separate: +27.8%
Joint: +58.3%
Separate: +36.4%
+2.3%
Avg Annual Alpha
Above benchmark
58%
Fee Reduction
vs. separate accounts
2,400+
Families Served
Active accounts
40 cents of every dollar
disappears.
Separate accounts compound fees the same way good investments compound returns. After five years, the gap is catastrophic.
Return Erosion Waterfall
$1M portfolio · 5-year horizon · % of gross return retained
Advisory Fee
1.10% / yr
$30,250
5-yr drag
Fund Expense Ratio
0.45% / yr
$12,375
5-yr drag
Tax Inefficiency
0.60% / yr
$16,500
5-yr drag
Transaction Costs
0.15% / yr
$4,125
5-yr drag
on $500K portfolio
Allocate reduces total drag to $11,400
Institutional pricing, tax-loss harvesting across the family account, and zero transaction costs on rebalances.
$51,850 saved per family
The IRS rewards
families who coordinate.
Tax advantages multiply when accounts are managed as a single entity. Select your family structure to see your specific opportunity.
Siblings managing inherited property and brokerage assets under a single family LLC structure.
Key Advantage
Step-up in basis across all inherited positions — no capital gains on appreciation before inheritance date.
5-Year Tax Savings
$34,200
Estimated net benefit
TLH Gain
$18,400
Tax-loss harvesting
Annual Gift Exclusion
$34,000
Per donor
Step-Up Basis
Full eligible
Inheritance treatment
| Strategy | Separate Accts | Allocate Joint | Advantage |
|---|---|---|---|
| Tax-Loss Harvesting | Limited | Cross-account | +$18K |
| Advisory Fee Rate | 1.10% | 0.35% | −68% |
| Rebalancing Cost | $2,200/yr | $0 | Free |
| Estate Planning | Manual | Automated | Integrated |
| Gift Tracking | Spreadsheet | Real-time | Audit-ready |
Research Report
Q1 2026 · 28 pages
The Family Investment
Benchmark Report
Proprietary analysis of 2,400+ family accounts comparing joint vs. separate management across fee structures, tax efficiency, and 5-year returns.
Not ready to start?
Download the benchmark report. Read the data on your own time. The numbers will still be there when you're ready.