Our top blogs of 2025 by reader popularity: introducing SAM householding , year-round tax loss harvesting beats scrambling in December, Choreo and Axos partner with SAM, AUM tops $6.75B, and tax optimization goes fully household-level…and more!
The results are in! We’ve rounded up your favorite Smartleaf Asset Management blog posts from the past year and put them all in one place, ranked by reader popularity. This year’s hits spanned unified managed householding, year-round tax management, major platform partnerships, record AUM growth, and a few strong opinions about how tax optimization should be done. If you want a snapshot of what mattered most to advisors this year, start here.
Unified managed householding (UMH) enables SAM to holistically manage multiple accounts in a household. Rather than forcing each account to be a tax-inefficient “mini-me,” SAM coordinates trades across taxable and qualified accounts to avoid wash sales and minimize realized gains. The result is materially better after-tax outcomes—and documentation that proves it—delivered automatically, every day, for households of all sizes.
2. SAM to Sub-Advise Choreo Tax Advantage™ PortfoliosSAM announced a strategic sub-advisory partnership with Choreo, LLC, in which SAM manages daily review, rebalancing, and trading for Choreo Tax Advantage™ accounts. Advisors can now generate household-level, tax-optimized transition plans in seconds instead of hours, while SAM handles year-round loss harvesting, gains deferral, and execution. The partnership highlights SAM’s ability to deliver institutional-grade tax management and personalization without operational limits—even at enterprise scale.
3. The Wealth Advisor’s Scott Martin on SAM’s Groundbreaking UMH Offering
In an in-depth interview with The Wealth Advisor, SAM President Jerry Michael explains why true unified managed householding has remained elusive—and how SAM finally makes it practical. By fully automating household-level tax optimization, SAM removes the time and complexity barriers that once limited UMH to ultra-high-net-worth clients. Advisors gain consistency, compliance, speed, and control, while freeing themselves entirely from day-to-day portfolio management.
Read the article and watch the interview
4. Smartleaf Asset Management Surpasses $6.75 Billion in AUM
SAM announced that assets under management surpassed $6.75 billion, up from $3.75 billion 10 months earlier. The milestone reflects growing advisor demand for outsourced portfolio management that emphasizes tax optimization, personalization, and disciplined execution—not product selection or market timing. SAM enables advisors to retain full control over investment design while delegating daily review, rebalancing, and trading, allowing them to focus on client relationships and long-term planning.
SAM became available on the Axos Advisor Services platform, expanding access to automated, tax-optimized portfolio management for advisors using AAS as their custodian. The integration supports ETFs, mutual funds, and direct indexes—without subaccounts—and includes householding, tax and gains budgets, wash-sale prevention, and detailed “Taxes Saved or Deferred” reporting. Fractional share support further extends cost-effective customization to investors of virtually any size.
6. Year-Round vs. Year-End Loss Harvesting
SAM research shows that year-round tax-loss harvesting is 50%–100% more effective than harvesting only at year end—and in up markets, it can be twice as effective. Waiting until December misses mid-year dips that create temporary but valuable tax loss harvesting opportunities. Automation makes continuous loss harvesting practical for every taxable account, turning tax management into a systematic, daily process that usually delivers more documented value than advisory fees themselves.