1Total portfolio value
$265,000Tracked investments across the household, excluding the 529 goal.
Built for US investors with multiple accounts
Every account
One real allocation
See your whole portfolio in one place, spot tax drag hiding across accounts, and check if it can fund your actual goals.
No account linking. Your portfolio data stays in a file you control. Privacy
01 · See the whole picture
Illustrative household · sample dataOne portfolio—not disconnected account views.
1
2
2Drift from target
Stocks +16.1 ptsBonds −10.5 pts
Both are outside the household’s ±5-point review band.
02 · Understand fees & tax drag
Same illustrative householdSee what fees and taxes may be costing you.
Two costs, one clear view. Estimate annual ETF and mutual-fund expenses, then see how account placement affects distribution taxes. Unknown fund fees stay visible as unknown.
Fund expenses
Small percentages, real dollars
See your weighted expense ratio, estimated annual fund costs, and how much of your portfolio has fee data. Combine the same fund across accounts.
Distribution tax drag
Location matters too
Compare estimated ongoing taxes across taxable and sheltered accounts. Keep fund costs and tax estimates separate, with a combined annual view.
Not the largest holding—the costliest placement in this sample.
May be more tax-efficient after an exposure swapTraditional 401(k) · about $298/year modeled reduction
Hold the bond exposure in the 401(k) and the equity exposure in taxable. Future 401(k) withdrawals may be taxable.
Single · $200K–$400K income · Massachusetts. Illustrative estimate based on the assumptions shown in the app. Tax effects are simplified and may omit future taxes, plan restrictions, trading costs, and changes in yields or law.
03 · Model your goals
See what your portfolio could support.
Retirement10,000 simulated paths
Median at retirement$1.95M
Withdrawal confidence86%
10th percentile
$1.11MMedian
$1.95M
$1.11MMedian
$1.95M
$90K annual after-tax spending · $3,500 monthly Social Security at 67
College10,000 simulated paths
Fully funded87%
Average funded3.9 of 4 years
$15K today · $9K annual contributions · $25K per college year
Coming soon General goals—a house, sabbatical, or anything with a date.
Illustrative sample data and assumptions. Simulations illustrate possibilities, not forecasts or guarantees.
04 · Make better decisions
Make better decisions—and remember why.
1Refresh→
2Review→
3Plan changes→
4Report
Q2 record · May 15, 2026Next check-in · August 2026
Decided
Redirect new contributions toward underweight bonds.
To reconsider
FXNAX location. Consider an allocation-neutral FXNAX/FXAIX swap after confirming plan availability and tax details.
Why
Stocks are +16.1 percentage points over target and bonds −10.5 points under.
Private by design
Your portfolio stays yours.
Quartermaster doesn’t connect to your financial accounts or upload your holdings. Your work stays in a private portfolio file that you save and reopen.
How saving works
- Unsaved work is shown clearly.
- You get a warning before leaving.
- The same file reopens on desktop or mobile.
No affiliate commissions · no products to sell · no custody or trading
Find your real allocation.
Introductory release—your feedback helps decide what Quartermaster improves next.