LifeYield Tax-Smart Withdrawals
LifeYield Tax-Smart Withdrawals helps financial advisors plan how to raise cash from a client household’s investment accounts.
What LifeYield Tax-Smart Withdrawals is
LifeYield Tax-Smart Withdrawals helps financial advisors plan how to raise cash from a client household’s investment accounts. Its engine models a withdrawal and recommends which accounts and assets to sell, and in what sequence. It supports requests involving one or multiple taxable, tax-deferred, and tax-free accounts, including hybrid scenarios. The analysis considers asset location and allocation, brings tax-loss harvesting opportunities forward to help offset gains, and is described as helping limit drift from a target allocation and manage rebalancing after withdrawals. Advisors can model ad hoc income requests or withdrawals scheduled over time. The API Library can combine withdrawal planning with tax harvesting, rebalancing, and asset location. Firms can incorporate the API into proprietary advice platforms; SEI LifeYield also offers its solutions through a Multi-Account Overlay with an interface and client-ready proposals and reports. Pricing is available on request, and the product page invites visitors to schedule a demo. LifeYield was founded in 2008, is headquartered in Boston, and was acquired by SEI in December 2024. SEI LifeYield says it does not provide tax advice and recommends consulting an independent tax advisor.
Good
- Models single- and multi-account withdrawal scenarios.
- Supports taxable, tax-deferred, and tax-free accounts.
- Considers asset location and allocation when raising cash.
- Can combine with tax harvesting and rebalancing.
- Available through API or Multi-Account Overlay.
Watch out
- Pricing is available only on request.
- No trial offer is stated.
- Internet and stored-information security cannot be guaranteed.
Who it suits
It suits financial advisors and firms coordinating investment and retirement income planning across household accounts. Firms seeking to incorporate withdrawal guidance into their own advice platforms may consider its API.
Verdict
The product brings tax-aware withdrawal sequencing and related portfolio considerations into a tool aimed at advisors serving households with multiple accounts. Prospective firms need to request pricing and should account for the stated security limitation and tax-advice disclaimer.
Plans and prices
From LifeYield Tax-Smart Withdrawals's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| SEI LifeYield Tax-Smart Withdrawals | Priced on request | Schedule a demo |
The facts
Each one read from LifeYield Tax-Smart Withdrawals's own pages, with the date it was checked.
What it does
- Account types
- Withdrawals can span one or multiple tax-deferred, tax-exempt, or taxable accounts, including hybrid scenarios.checked 9 Oct 2026
- Ad hoc and scheduled withdrawals
- The engine handles ad hoc income requests and withdrawals scheduled over time.checked 8 Oct 2026
- After-withdrawal positioning
- The product is described as helping maintain optimal asset location after each withdrawal.checked 8 Oct 2026
- Asset allocation and location
- Its algorithm considers asset allocation and asset location when recommending how to raise cash.checked 9 Oct 2026
- Audience
- The company describes its solutions as serving financial services firms and advisors coordinating investment and retirement income planning across household accounts.checked 9 Oct 2026
- Delivery
- SEI LifeYield says its solutions are available via API or through a Multi-Account Overlay solution with an interface and client-ready proposals and reports.checked 9 Oct 2026
- Intended users
- The product is presented for financial advisors and firms serving clients with multiple investment accounts.checked 8 Oct 2026
- Portfolio drift
- The product is described as minimizing drift from target allocation and handling rebalancing after a withdrawal.checked 9 Oct 2026
- Pricing and access
- The product page invites firms to schedule a demo and does not state a price.checked 9 Oct 2026
- Purpose
- The withdrawal engine evaluates a client household’s investment accounts and recommends a tax-efficient withdrawal sequence.checked 9 Oct 2026
- Related engines
- The LifeYield API Library can combine withdrawals with tax harvesting, rebalancing, and asset location.checked 8 Oct 2026
- Security limitation
- LifeYield’s terms say the system is hosted on its or a third-party provider’s servers and that it cannot guarantee the security of information transmitted over the internet or stored in the system.checked 8 Oct 2026
- Support contact
- The product page lists [email protected] for questions about Tax-Smart Withdrawals.checked 8 Oct 2026
- Tax advice
- SEI LifeYield states that neither SEI nor its affiliates provide tax advice and recommends consulting an independent tax advisor about individual circumstances.checked 9 Oct 2026
- Tax-aware analysis
- The withdrawal algorithm considers asset location and asset allocation to help minimize taxes when raising cash.checked 8 Oct 2026
- Tax-loss harvesting
- The withdrawal process brings tax-loss harvesting opportunities forward to help offset gains.checked 9 Oct 2026
- Withdrawal guidance
- The engine shows which accounts and assets to sell and in what order to fulfill a withdrawal scenario.checked 9 Oct 2026
- Withdrawal sequencing
- Its engine analyzes a household’s accounts and provides guidance on the optimal withdrawal sequence in seconds.checked 8 Oct 2026
The company
- Company ownership
- LifeYield was acquired by SEI in December 2024.checked 9 Oct 2026
- Founded
- 2008checked 28 Sep 2026
- Headquarters
- Boston, Massachusetts, United Stateschecked 28 Sep 2026
Where it runs
- Hybrid scenarios
- The engine supports hybrid withdrawal scenarios at multiple levels.checked 8 Oct 2026
- Integration approach
- SEI LifeYield says the withdrawal engine works with firms’ current technology and can be used with its other APIs, including tax harvesting, rebalancing, and asset location.checked 9 Oct 2026
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