> ## Documentation Index > Fetch the complete documentation index at: https://docs.tilt.now/llms.txt > Use this file to discover all available pages before exploring further. # Compare plans and turn on Optimize accounts together > Read a household's Rebalance plan, check its budget, and turn on Optimize accounts together. Use this guide to compare a family's two rebalance plans, check its gains budget, and turn on **Optimize accounts together**, which rebalances a household's accounts as one portfolio. A **family** is the accounts Tilt plans together: a household's accounts, or all of a client's accounts when the client is in no household. Each account keeps its own model and its own money. The household's switch takes effect only while your firm's **Allow accounts to be optimized together** is on too. The examples follow the Huang-Bennett Household, a sample family in a synthetic firm: a taxable trust and two IRAs, with a \$25,000 capital gains budget this year and nothing realized so far. ## 1. Open the household Open **Clients** in the sidebar, type the household's name or a member's name in the "Search households and clients" box, and open the household's page. A household with one member is listed under that member's name and opens the member's page, so open the household from the breadcrumb at the top of that page. The household's **Overview** ends with the **Household optimization** section, which shows the same figures with the setting on or off. | On the screen | What it tells you | | - | - | | **Household optimization active** or **inactive** | Whether the family's accounts are optimized together now. | | **Capital gains, each account on its own** | The gains in taxable accounts if each account were rebalanced to its own model today, with no budget. | | **Capital gains, accounts together** | The gains a family plan would realize in taxable accounts. It's never above the first figure. | | **Optimize accounts together** | The household's switch, shown while your firm allows it. Otherwise the section shows **Activate in Firm settings**. | Both tiles leave the budget out, so they can be higher than what **Optimize** realizes; the note below them says what the budget allows. The gains can take a minute or two to appear, and the budget part of the note a little longer. ![Household optimization section for the Lawson Household. The chip reads Household optimization inactive. Two tiles read Capital gains, each account on its own, \$166, and Capital gains, accounts together, \$166, above the Rebalance plan row. The note says what the gains are and what turning it on would change. Optimize accounts together is turned off.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-overview-inactive.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=dbf11a0e18647cbdd145b7874d7ded6a) Before it's on, the chip reads Household optimization inactive. The section doesn't appear while the household's members have no accounts. ## 2. Open the Rebalance plan Select **Rebalance plan**. The page plans the family both ways as soon as it opens, and again whenever the budget changes. It saves nothing and places no trades. Its figures use the closing prices named at the top, so fills can differ. ### Current state ![The section links, then Current state. Mei Huang Revocable Trust, \$5,514,965, taxable, Growth, 6 of 13 funds out of range. Thomas Bennett Traditional IRA, \$904,263, no tax on sales, Balanced, Every fund in range. Mei Huang Roth IRA, \$603,492, no tax on sales, Equity, Every fund in range. The fund table's first rows, VEA to AGG, then, after a break, its last rows, where the trust's QQQ reads 3.8%, model 0.0%, too much.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-plan-step1.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=3223b03c5ec1adf8c84b1f5f64d38cd2) Current state shows each account against its own model. 1. **6 of 13 funds out of range**: the trust's funds outside its allowed range. 2. **Every fund in range**: the IRA has none outside. 3. **too much** and **too little**: outside the allowed range, 5 points either side of the model weight, or a quarter of it if that's smaller. 4. The trust's QQQ cell: 3.8% today, **model 0.0%**, **too much**. Start with the account that's out of range, here the trust. **no tax on sales** marks an account whose sales use none of the budget. Most common stocks have no range, so they never count as out of range. ### The family model ![The family model. 78.5% Growth plus 12.9% Balanced plus 8.6% Equity equals family model. VEA: family model 17.0%, allowed range 12.8% to 21.3%, today 11.2%, too little. After a break, QQQ: family model 0.0%, allowed range 0.0% to 0.0%, today 3.0%, too much. The legend reads green is allowed range, line is model, dot is today.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-plan-step2.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=1dfe6ff9bdf9ba51beaa398e63f169a8) The family model shows the family against the blended model. 1. **78.5% Growth + 12.9% Balanced + 8.6% Equity = family model**: each model counts by its account's share of the family. 2. VEA's **Allowed range**, 12.8% to 21.3%, around its family model of 17.0%. 3. QQQ's **Allowed range**, 0.0% to 0.0%: no model holds QQQ, so any amount is out of range. 4. VEA's bar: today's 11.2% sits below the green allowed range, so VEA reads **too little**. The line under the table names the funds outside the family's range. [How a family plan works](https://docs.tilt.now/advisor/how-family-plans-work.md#the-family-model-blends-the-account-models) explains the blend and the ranges. ## 3. Check the budget The budget card sits below **The family model**. **Gains budget left this year** is the household's capital gains budget less this year's realized gains, never below \$0: \$25,000 here. Select **Set budget** or **Change budget** to set it. The plan stays within that one household budget across every account. A budget covers one calendar year, so set the new one each January. A message above the two plans says what the budget allows, as does the note in **Household optimization**: | You see | What it means | What to do | | - | - | - | | "The budget left covers a full rebalance" | Every fund can reach its range. The plan can still name a fund it leaves just outside its range. | Nothing. | | **The budget is short of a full rebalance** | A full rebalance needs more gains than the budget left. The message names the funds left outside. | Keep the budget, and **Optimize** stays within it, or select **Raise this year's budget to** the amount shown. | | **The family stops short of a full rebalance** | The budget is enough, but the family never realizes more than its accounts would alone. | Nothing, or try **Change budget**. | | **No plan found that brings every fund inside its range** | The accounts' rules rule out a full rebalance, for example when a fund may not be sold. | Review the restrictions on the funds it names. A higher budget won't help. | | **Unknown** on the budget card | A taxable account's realized gains for the year aren't confirmed, so the page doesn't plan and **Optimize** waits. | On each account the card links, open **Holdings** and use **Add realized gains** and **Confirm records**. | | **Gains budget this year** reads **None set** or **No shared budget** | The household has no budget this year, though a member may have one. A family plan still never realizes more than its accounts would alone. | Select **Set budget** to set one on the household. | ![Gains budget left this year reads \$25,000 with a Change budget button. A message headed The budget is short of a full rebalance says a full rebalance of the family needs \$85,570 of gains, \$60,570 more, and the family plan realizes \$25,000 and leaves KVUE, TSM and QQQ outside their range. A button reads Raise this year's budget to \$85,570.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-budget-short.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=a0d0871b97e1d44974ee93f352340d8a) The budget card, and the message above the plans. 1. **Gains budget left this year**: \$25,000. 2. **needs \$85,570 of gains, \$60,570 more**: the least gain that brings every fund with a range inside it. 3. **leaves KVUE, TSM and QQQ outside their range**: what stays out under this plan. 4. **Raise this year's budget to \$85,570**: saving it records the change in **History** and plans again. [Read an account's Overview](https://docs.tilt.now/advisor/account-overview.md#realized-gains-and-the-capital-gains-budget) explains confirming realized gains, and [how the budget limits a family plan](https://docs.tilt.now/advisor/how-family-plans-work.md#how-the-budget-limits-a-family-plan) explains what counts against it. ## 4. Compare the two plans ![Two columns. Rebalance each account individually: \$25,000 of taxable gains, Mei Huang Revocable Trust still out of its own range. Rebalance the household: \$25,000 of taxable gains, the family closer to its model; the accounts are not on their own models (Mei Huang Revocable Trust 1.9% QQQ against 0.0%).](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-plan-compare.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=597e754b88562677f7ee8ce85bb8fbec) Both plans realize \$25,000, and the trust ends with about the same QQQ. 1. **\$25,000**: each plan's **taxable gains**. 2. **Mei Huang Revocable Trust still out of its own range**: where **Rebalance each account individually** leaves the accounts. 3. **1.9% QQQ against 0.0%**: the widest gap between any account and its own model under **Rebalance the household**. **Rebalance each account individually** plans each account toward its own model, under the same rules as a family plan, so it can differ from the account's own **Optimize** proposal. **Rebalance the household** is the family plan that **Optimize** makes once the setting is on. The table below lines the plans up, one row per account plus a **Household** row: | Column | What it shows | | - | - | | **Trades** | The largest trades, up to four funds, then a count of **smaller trades**. | | **After** | How many funds the plan leaves out of range, or **in range**. An account's row uses its own ranges, and the **Household** row uses the family's. | | **Taxable gain** | The gain on all the account's sales. An account with no tax on sales reads \$0. | ![Table with an Account column, then Trades, After and Taxable gain under Each account individually and again under The household. Under The household, Mei Huang Revocable Trust reads a taxable gain of \$25,000, and the Household row reads 3 funds out and \$25,000. Under Each account individually, Thomas Bennett Traditional IRA's trades end with 469 smaller trades.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-plan-step4.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=6debd0df15e2884226d2610329a9a902) One table lines up both plans, account by account, with the household at the bottom. 1. The trust's **Taxable gain** under **The household**: \$25,000. 2. The **Household** row's **After** under **The household**: 3 funds out, the ones the budget message names. 3. The Bennett IRA's **Trades** under **Each account individually**: four funds, then **469 smaller trades**. An account in range can still trade funds with no range. Before you decide, compare **Taxable gain** and **After** on the two **Household** rows, and the widest gap from an account's own model. The family plan's gains are never the higher figure; [when a family plan helps](https://docs.tilt.now/advisor/how-family-plans-work.md#when-a-family-plan-helps) compares sample families. Here the plans tie: the trust is the only taxable account and the only one holding QQQ, and the budget stops both. The difference is in the IRAs. Each sells VEA on its own and buys it in the family plan, and Mei Huang Roth IRA, **in range** on its own, ends **3 funds out** of its own range under **The household**. If a line under the table flags a fund one account buys while another sells it at a gain, compare that fund under **The household**. ### Trade list **Trade list** shows every trade, in an **Each account individually** block and a **The household** block. ![Trade list, Each account individually. Mei Huang Revocable Trust buys VEA \$388,286 and AGG \$188,740. It sells 151.264 shares of QQQ for \$104,667 with a taxable gain of \$23,605, and 2,066 shares of NVO for \$87,144 with a taxable gain of \$0.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-plan-trades.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=a19628f395de3091dd4b318ff324d7a5) The top of the Each account individually block. 1. The QQQ row: **Sell**, 151.264 shares, \$104,667, \$23,605 of gain. 2. The NVO row: **Sell**, 2,066 shares, \$87,144, \$0. 3. **Taxable gain**: the gain on that row's shares. Losses, purchases and trades in an account with no tax on sales read \$0. The gains rest on the lots the plan chose, and [how you send the orders](https://docs.tilt.now/advisor/review-household-proposal.md#3-approve-and-send-together) decides what's realized. If the page reads "Couldn't read the family's accounts. Try again.", or "Planning failed. Try again." stays after **Try again**, see [Fix a family plan that fails](https://docs.tilt.now/advisor/review-household-proposal.md#fix-a-family-plan-that-fails). ## 5. Turn on Optimize accounts together ### Before you turn it on * Check who pays the tax. The plan treats the family as one, whoever owns each account, so one account can realize more gain to lower the family's total, as [this example](https://docs.tilt.now/advisor/how-family-plans-work.md#example-two-taxable-accounts-with-different-costs) shows. * Confirm realized gains on every taxable account and check each account's type, because Tilt plans an account with no type as taxable. Clear any member's own budget, which the plan doesn't apply. * Check [which settings a family plan uses](https://docs.tilt.now/advisor/how-family-plans-work.md#a-family-plan-uses-only-some-account-settings) and [what stops one](https://docs.tilt.now/advisor/review-household-proposal.md#fix-a-family-plan-that-fails), such as position limits and legacy holdings. * Check wash-sale exposure: see [wash sales in a family plan](https://docs.tilt.now/advisor/tax-aware-management.md#wash-sales-in-a-family-plan). * Expect accounts to end away from their own models, with no setting to limit how far. * Plan to send the accounts together: [approving any account covers every account in the run](https://docs.tilt.now/advisor/review-household-proposal.md#3-approve-and-send-together). ### What changes when it is on Each account makes only the family plan's trades, so it stops making tax-loss sales of its own. The plan itself can sell a lot at a loss. | What changes | Effect | | - | - | | Saved account proposals | They go out of date and can't be sent. **Optimize** replaces them. | | Daily check | From its next run, it measures drift on the family, and tracking error when your firm sets a limit for it. Cash checks stay on each account. | | Household page | An **Optimization** tab appears, with **Household proposal**, **Household optimization** and **Monitoring**. | | Account pages | Each account's **Overview** says it's optimized as part of the household, and its **Optimize** reads **Optimize household**. | To turn it on: 1. If **Household optimization** shows **Activate in Firm settings**, select it, or open **Firm** > **Setup** and select **Optimization** under **Defaults for models and accounts**. Turn on **Allow accounts to be optimized together**, select **Done**, review the queue, and select **Apply firm changes**. ![The Optimization dialog. Allow accounts to be optimized together is turned on. Its description says it lets each household, and each client outside a household, turn on optimizing and monitoring its accounts as one with its own setting. Once a household turns it on, each account's holdings can move away from its own model, and optimizing one account optimizes all of them. Cash is still checked in each account, and open proposals go out of date when this changes.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-firm-setting.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=e96026338ab527dc377bb9514f6ec221) Your firm's setting, turned on, in the Optimization dialog. 2. On the household's **Overview**, turn on **Optimize accounts together** in **Household optimization**. The chip then reads **Household optimization active**. Firm owners and editors can change both settings, and **History** records each change. Allowing it for your firm turns on no family, but it starts a new check of your book and puts out of date the saved proposals of households whose switch is on. ![Household optimization section for the Huang-Bennett Household. The chip reads Household optimization active. Two tiles read Capital gains, each account on its own, \$129,413, and Capital gains, accounts together, \$126,225, above the Rebalance plan row. The note says a full rebalance needs \$85,570 of gains against \$25,000 of budget left, with a Raise this year's budget to \$85,570 button. Optimize accounts together is turned on.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-switch.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=e67622444d41ef26f9b5852383da610f) Once it's on, the chip reads Household optimization active. Next, [review and send the family's proposal](https://docs.tilt.now/advisor/review-household-proposal.md), then [follow the family each morning](https://docs.tilt.now/advisor/follow-household-each-morning.md). ## Turn it off On the household's **Overview** or **Optimization** tab, turn off **Optimize accounts together** in **Household optimization**. The family's proposal goes out of date, each account optimizes on its own, the **Optimization** tab disappears, and the daily check returns to each account on its next run. Turning off your firm's **Allow accounts to be optimized together** does the same for every household. Each household's switch keeps its value for when your firm allows it again. ## Optimize a client in no household A client with several accounts and no household can have its accounts optimized together, with its own setting, while your firm allows it. The client's row on **Clients** then reads "optimized and monitored together", and each account's **Optimization** tab shows **Optimize all accounts**. The client's page gets an **Optimization** tab. Under **Combined proposal**, **Optimize** plans every account, and **View combined proposal** opens the proposal. **Household optimization** and **Monitoring** work as they do for a household. Only a budget set on that client limits the plan. To stop, turn off **Optimize accounts together** on that tab. *** Tilt provides portfolio technology, not investment, tax or legal advice, and is not a registered investment adviser or broker-dealer. The advisor makes all investment decisions, including whether to accept a proposal and submit trades, directly or through approval rules the advisor configures. Trades are executed through the client’s custodian. Estimates depend on the data and assumptions recorded for the account; confirm the client’s tax treatment with a qualified tax professional. 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