High-net-worth tax-aware strategy

Asset-location and harvesting optimization across account types, with tax positions never shared in full.

Who

A high-net-worth individual with capital across taxable brokerage, retirement accounts, trust structures, and a donor-advised fund.

The problem

Asset-location optimization (which assets belong in which account type for maximum after-tax return) and tax-loss harvesting across all accounts is combinatorially complex — feasible allocations grow exponentially with positions and accounts.

What ArcaQ does

Translates portfolio and tax-position data into a QUBO and solves for optimal asset location and a harvesting schedule under cash-flow and wash-sale constraints.

Expected result (published benchmarks)

Academic studies of optimal asset location consistently show 0.5–1.5% additional annualized after-tax return for location-aware versus location-naive allocation.

Why confidentiality matters

Tax positions and account-level holdings are highly sensitive and rarely shared at full detail with external advisors. They stay sealed inside the enclave.

Tier fit

Atelier.

The performance ranges below are drawn from published academic and industry benchmarks for the relevant problem class — QAOA portfolio-optimization studies, VQE chemistry benchmarks, and quantum-annealing logistics case studies. They are not ArcaQ measurements. Results vary substantially with problem size, constraint density, and the specific algorithm and hardware used. ArcaQ-specific results will be published after hardware validation.