How is the Tax Diversification Score calculated?

We score how evenly your savings are spread across three tax treatments — taxable, tax-deferred, and tax-free. More balance generally means more flexibility to manage taxes in retirement.

What data and assumptions does it use?

A transparent balance measure (public-domain arithmetic); no external data.

Tax & RMD · Live reading

Tax Diversification Score

How balanced are your tax buckets? Move a dial — your result responds instantly.

Calibrate

Drag to set each value — estimates are fine.

Taxable accounts (brokerage, savings)

Brokerage, savings — taxed yearly.

Tax-deferred (401k, traditional IRA)

Taxed when you withdraw.

Tax-free (Roth, HSA)

Roth, HSA — tax-free in retirement.

Diversification score

Taxable Tax-deferred Tax-free

Donna McElroy

Financial Investment Services

Turn this reading into a plan — a quick conversation is the fastest next step.

donna@fisadvisor.com

What this means for you

Get a plain-English summary of your reading.

Levers that move this

Taxable accounts (brokerage, savings)
Tax-deferred (401k, traditional IRA)
Tax-free (Roth, HSA)

Drag these dials above to see the effect instantly.

Track your progress over time

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How this is calculated →

This is an educational measure of balance across account types, not tax or investment advice.