> ## 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. # Review and send a household proposal > Run Optimize for a family, review its one proposal, approve it, and record the realized gains. Use this guide to run, review and send one proposal for a family's accounts. When accounts are [optimized together](https://docs.tilt.now/advisor/optimize-accounts-together.md), a **family**, the accounts Tilt plans together, has one household proposal covering every account. The steps follow the Huang-Bennett Household, a sample family in a synthetic firm. If the morning check already left a proposal, [find it](https://docs.tilt.now/advisor/follow-household-each-morning.md#3-review-the-next-family-plan) and start at step 2. ## 1. Optimize the household Open the household's **Optimization** tab and select **Optimize** under **Household proposal**. You can also open any account in the family, then its **Optimization** tab, and select **Optimize household**. Tilt plans the whole family once, within [its budget](https://docs.tilt.now/advisor/how-family-plans-work.md#how-the-budget-limits-a-family-plan) at that moment, the same way the **Rebalance plan** page does. Each account's trades are its share of that plan. When the run finishes, the household's **Optimization** tab shows it as **Latest proposal**, and each account's **Optimization** tab shows the row **Household proposal**. ![The household's tabs read Overview, Holdings, Optimization and History, with Optimization selected. Household proposal has an Optimize button. Below it, Latest proposal reads Nov 10 · 3 accounts. The note reads: The household's accounts share this proposal. Each account's Optimization opens it too.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-optimization-tab.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=acc61bce5c85e5a1cf578a5c699e3b46) The household's Optimization tab, with the latest run under Latest proposal. On the household's tab, when the family has a budget, **Optimize** stays disabled while a taxable account's realized gains for the year aren't confirmed, and names the accounts: "Optimize waits until this year's realized gains are confirmed for". [Check the budget](https://docs.tilt.now/advisor/optimize-accounts-together.md#3-check-the-budget) covers what to do. If Tilt can't plan the family, the proposal fails: see [Fix a family plan that fails](#fix-a-family-plan-that-fails). ## 2. Review the household proposal Select **Latest proposal** on the household, or **Household proposal** on any of its accounts. Both open the same page, which covers every account in the run. Its title names the household and the date, and the line below says how many accounts were optimized together and which day's close the holdings and prices come from. Check these sections in order: | Section | What to check | | - | - | | **Account models → combined portfolio** | Each account's model, invested dollars and share, and how far it sits from its own model. It appears once the daily check has measured the family. | | **Combined results** | NAV, **Est. turnover**, **Est. realized gain**, and the family's total drift and tracking error, **Current observed** and **Projected after fills**, beside their limits. The last line gives the gains budget left this year that **Optimize** planned the run within. | | **Account cash after proposed trades** | Each account's cash against its minimum. No cash moves between accounts. | ![Combined results for the Huang-Bennett Household. NAV \$7,022,721, Est. turnover 17.26%, Est. realized gain a dash. Total drift 9.80% current observed, 5.66% projected after fills, 6.00% limit. Tracking error not measured, not enough price history. The last line reads: Optimize planned these proposals within \$25,000 of capital gains budget left this year.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-proposal-results.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=701b8eb5d308c704faf8979983be300b) Total drift moves from 9.80% to a projected 5.66%, inside the 6.00% limit. **Current observed** is the family today, and **Projected after fills** is where these trades leave it. Projected results don't clear a monitoring finding. Holdings and cash update once the trades execute and reconcile. The budget line gives the budget left when the run was planned, and doesn't appear when there's no budget. A change to the budget left since then puts the proposal out of date. **Est. realized gain** reads as a dash for any family with a tax-sheltered account, because that account has no tax estimate. Open **Tax details** for each taxable account's estimate. Where the figure shows, it nets losses against gains, so it isn't what the plan used of the budget: [the budget counts gains on lots sold](https://docs.tilt.now/advisor/how-family-plans-work.md#how-the-budget-limits-a-family-plan). The tabs below the results mix family and account views: | Tab | Shows | | - | - | | **Trades** | Every account's trades. Choose **All accounts** or one account. | | **Holdings** | **Projected holdings · combined portfolio**, then each account's holdings. | | **Tax details** | Each account's tax estimate. A tax-sheltered account reads "No tax estimate for this account." | | **Trade attribution**, **Constraint attribution** | A section for each account, reading "This attribution report is not available for this proposal." A family proposal has neither report. | ### The proposal no longer matches **Combined results** shows figures only while the proposal is complete and current for every account. Otherwise it can read "No results: this proposal no longer matches", name the accounts, and add "Holdings, settings or the household changed since it was made, or its orders filled." A proposal goes out of date when an account's holdings or settings change, an account joins or leaves, the budget left changes, the household's **Optimize accounts together** or your firm's **Allow accounts to be optimized together** goes off, or a newer run finishes for one of its accounts. The next daily check is such a run, so expect a saved proposal to last only until then. Filled orders change holdings, so a sent proposal reads the same way. You can't send a proposal that's out of date. Select **Optimize** again, or use the next morning plan. ## 3. Approve and send together Approve the family as one. Approving any account's part covers every account in the run, and an account with no trades sends nothing. You can send a morning plan from either place below. A run you started with **Optimize** isn't in **To review**, so it goes from its proposal page. * On the proposal page, select the **Send to** button, which names your custodian, and check each account's order check and its projected cash in the dialog. If your firm trades by file, the page shows **Export from Trading** instead. * In **Trading** > **To review**, select the household. Its accounts are selected together, and each reads **Approved with the household**. Select **Approve and send**, or **Approve** if your firm trades by file or the selection sends nothing. ![Trading review rows with Huang-Bennett Household selected and all three accounts selected with it, each reading Approved with the household and Included in household proposal. The footer reads 3 accounts, 308 orders selected.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-trading-selected.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=5ff1eae4c4c4968e613bf266287b0a2f) Selecting the household selects every account in the run. > [!WARNING] > > Each account's tax estimate uses the lots the plan sells, but your custodian may sell different lots. Realized gains can then differ from the estimate and go over the budget, so record them once trades fill. ### What can stop a send Three things can stop a send: 1. Who is sending. You need to be eligible under the [trade release rules](https://docs.tilt.now/advisor/trade-release-rules.md) of every account with trades. If you aren't eligible for one of them, none of the family goes out. A flag alone doesn't stop an eligible sender. 2. Checks before sending. If any account fails its order check or its health blocks trading, the family can't be sent until that's resolved. 3. Checks as orders go out. Tilt sends each account's orders as their own batch, so a refusal at this stage can stop one account while the others go ahead. Inspect each account's outcome. Link every account with trades to your custodian first. **Custodian trading unavailable** on the proposal page says whether the opened account has no linked custodian account or the firm has no connection. From the proposal page, an account with trades and no link under that custodian stops the send for the family. > [!WARNING] > > In **Trading**, the send dialog's **Approved only** line counts the accounts without a custodian account. An account with trades among them sends nothing while the other accounts send their orders, so the family trades only in part. ## 4. Follow the orders and record realized gains Open **Trading** > **Sent** and select the send. It lists each order and fill by household and account, and says when an account in the run has no orders in the send. Sending starts the orders, and fills arrive after that. > [!WARNING] > > Tilt doesn't read realized gains from custodian activity, so **Gains budget left this year** stays as it is until your firm enters them. Until then, a later plan counts those gains as still available. Once trades fill, enter the realized gains on each taxable account with **Add realized gains** and **Confirm records**. [Read an account's Overview](https://docs.tilt.now/advisor/account-overview.md#realized-gains-and-the-capital-gains-budget) explains both. Next, [follow the family each morning](https://docs.tilt.now/advisor/follow-household-each-morning.md). ## Fix a family plan that fails One account that can't be planned stops the whole family, and every proposal of the run fails with the same reason. The causes below stop **Optimize** and the morning plan alike. While the accounts are optimized together, select **Optimize household** on an account to see the reason: the failed proposal gives it and usually names the account. With the setting off, **Optimize** plans that account alone, so it won't show why the family failed. | Cause or message | Fix | | - | - | | "Couldn't read the family's accounts. Try again." or "Planning failed. Try again." on the **Rebalance plan** page, or "Planning failed. Try again." in place of the two tiles in **Household optimization**. Neither names the account. | Select **Optimize household** on an account for the reason, and find it below. | | The family has a budget, and an account's realized gains for the year aren't confirmed. The reason starts "Confirm this year's realized gains for". | Use **Add realized gains** and **Confirm records** on each account the reason names. | | A no-hold sale or a cash raise needs more gains than the budget left allows. | Raise the budget, or change the restriction. | | The account has no model. | Assign one in **Setup**. | | The account's strategy isn't long-only. | Change the strategy, or turn off the household's **Optimize accounts together**. | | The account has position or factor limits, set on it or on its model or firm. | Remove them, or turn it off. A limit set on the firm stops every family it applies to. | | The account holds Canadian-dollar cash, or holds a Toronto-listed security, or its model includes one. | Turn it off. | | The account holds nothing, holds something with no price, or has no value. | Fix the holdings. | | The account's health blocks trading. | Resolve the reason the failure gives. | | In whole shares, the plan breaks an account's rule or the gains limit. The **Rebalance plan** page still shows the plan and lists the problem under **Checks and how the optimizer ran**, and **Optimize** fails. | Change what the reason names, or turn it off. | | The account has an active legacy holding. | Remove the legacy assignment, or turn it off. The **Rebalance plan** page still plans this family, and **Optimize** refuses it. | One proposal can also fail while the others complete. **Combined results** then reads "No results: the optimization failed for" and names the account, and the family can't be approved. That account's proposal gives the reason. Turning off the household's **Optimize accounts together** lets each account optimize on its own, and leaves every other household as it is. *** 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. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.