Inbox Question | Managing Allocation Across Many Accounts
Big Picture Retirement®
Devin Carroll
4.7 • 545 Ratings
🗓️ 4 December 2025
⏱️ 9 minutes
🧾️ Download transcript
Summary
Scott finds it difficult to manage asset allocation and buckets across multiple accounts and asks for an efficient way to coordinate everything.
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Transcript
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| 0:00.0 | Welcome to the Big Picture Retirement Show. |
| 0:07.6 | Today, we're going to the inbox to answer questions sent in by you, our listeners. |
| 0:12.3 | Now, if you'd like to send us a question, just head over to big pictureretirement.com and click the Ask a Question tab in the top menu. |
| 0:18.9 | Oh, and just a quick reminder. |
| 0:19.9 | On this podcast, we provide |
| 0:22.0 | general information and not specific tax, legal, or financial advice. But if you're ever ready |
| 0:28.3 | to move from the broad education we provide here to personalized advice that's specific to you, |
| 0:34.7 | you can find links to our websites down in the description. |
| 0:38.4 | Now, let's jump in to today's question. |
| 0:46.0 | John, today's question comes from Scott, and he said this is perhaps a question more relevant to DIYers, |
| 0:52.7 | but it's great to talk about asset allocation and |
| 0:54.7 | buckets on a macro level. But how do you best manage that across a number of separate |
| 1:00.1 | accounts? If you have savings, brokerage, IRAs, your spouse has an IRA, you each have a Roth |
| 1:06.1 | IRA, you each have a 401k account, there's an inherited IRA. Your spouse has an inherited IRA. |
| 1:12.6 | Then he says, that seems pretty complicated. Is there an efficient and effective way to manage asset |
| 1:17.6 | allocations across all those accounts? So I don't know if Scott's looking for a tool here for me to |
| 1:23.5 | recommend. There is one that I would suggest someone use, but let's back up first |
| 1:31.8 | and let's talk about having assets spread out. Now, he doesn't say that he has multiple IRAs |
| 1:39.1 | at multiple places. He's just talking about, look, I've got an IRA, I've got a 401k, I've got a Roth, an inherited IRA. |
| 1:45.4 | They may all be at the same place. |
| 1:47.3 | And if so, you know what? |
| 1:48.4 | They, except for the 401K, you know, the 401K could be part of the IRA, but otherwise, all of those are account types that have to stay in their individual buckets. |
... |
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