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PAST CRITIQUES · THIS SESSION
What the critique reads
Costsweighted expense vs broad exposure—
Concentrationtop-10 share of the model—
Practice readevidence-based alignment · 1–10—
Estimates, not advice — the critique shows its assumptions, and the tax lens is planning, never filing output.
Evidence-based alignment · Solid, with room
Costs
0.41% /yr
Weighted expense est. vs 0.06% for comparable broad exposure — roughly $3,500/yr per $1M.
Estimate — assumptions shown in the live app
Diversification
38% top-10
Concentration this shape adds risk the market has not historically paid for.
Factor read: growth-heavy
Tax posture
Partial
No loss-harvesting cadence in the model design; asset location partially applied. Both are mechanical on rails.
Estimate — planning lens, not filing advice
Estimates, not advice. Figures depend on stated assumptions; nothing here is a recommendation for any client.
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