Product Substitution in Action

Helping advisers transition without triggering unnecessary gains

Transitioning away from an underperforming strategy—or even an entire platform—can feel impossible when clients carry significant embedded gains. Full liquidation risks taxes, disruption, and lost trust. Auour’s product substitution approach offers a way forward: mapping existing holdings into our risk-intelligent models with minimal tax impact, preserving continuity for clients and confidence for advisers.

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🔒 The Challenge

  • Underperforming or static strategies
  • A move away requires liquidation and rebuild
  • Risk of large, realized gains and client frustration

💡 The Auour Solution

  • Holdings Mapping – aligned existing positions to ETF-based models to reduce trades and tax impact
  • Tailored Planning – customized transition to respect legacy structures while improving efficiency
  • Account-by-Account Review – built migration strategies that maintained client goals and minimized taxable events

✅ The Outcome

  • Smooth transition with minimal realized gains
  • Preserved client trust and continuity of philosophy
  • Adviser gained scalable, flexible partner for ongoing growth