PATRICIUS
For RIAs serving taxable HNW households
PATRICIUS helps investment teams move households from standard portfolios to personalized tax-aware portfolios across taxes, restrictions, liquidity, and concentrated positions without manual household-by-household work.
Demand already moved.
Delivery still lags.
HNW investors expect tax-aware personalization. Most firms still deliver standard-model portfolios.
PATRICIUS helps investment teams bridge that gap with household-specific transition plans.
From standard model to household transition plan
PATRICIUS turns a firm’s standard model into a household-specific transition plan by applying taxes, restrictions, liquidity needs, and concentrated-position constraints.
Standard model
Household context applied
Restrictions
Taxes
Liquidity
Concentration
…
Household transition plan*
*The transition plan is reviewed and approved by the advisor, who owns the final recommendation.
Advisor review, not autopilot
PATRICIUS prepares the household-specific transition plan and recommended actions for investment-team review. Your team reviews, approves, and executes the final recommendation.
Henderson household
$7.8M household, firm 70/30 standard portfolio, $1.45M Apple position in taxable, $620k low-basis S&P 500 ETF in taxable, $1.9M IRA, $95k gains budget remaining this year, and a developed-markets ETF showing a $38k unrealized loss.
Prepared transition actions
Trim $240k of the highest-basis Apple lots in taxable and reallocate proceeds into the approved U.S. large-cap sleeve
Keeps estimated net realized gains within the $95k budget.
Add the missing small-cap and international exposure inside the IRA first.
Moves the household toward target without taxable sales this quarter.
See a sample household transition plan
Review a sample transition plan or book a 15-minute walkthrough to see how PATRICIUS turns a firm’s standard model into household-specific transition actions across taxes, restrictions, liquidity, and concentrated positions.