Cash deployment

Cash hit the account. Now what?

Pick a target allocation and a deployment pace. The math distributes the cash across sleeves and asset classes, then schedules the tranches. The full Ironlake workbench layers in tax interactions and saves the memo to your decision journal.

Cash amount

Source of this cash

Windfalls usually land in your highest bracket and are the textbook charitable-bunching opportunity if the year is already a high-tax one.

Target allocation

60% equity, 40% income.

Deployment pace

Lump-sum (deploy all at once)DCA over 3 monthsDCA over 6 monthsDCA over 12 months

Tax context

Optional but recommended — drives the additional-tax estimate and the NIIT exposure flag below.

Estimated taxable income

Federal filing status

State of residence

State marginal rate

Tax already withheld (optional)

Federal marginal rate: 32% — based on $500,000 of taxable income, married filing jointly, using the 2026 schedule. NIIT threshold for this status: $250,000.

Allocation distribution

Deploying $145,375 (after $104,625 estimated tax set-aside).

Sleeve / Class	Target	Cash
Equity	60%	$87,225
US Total Market	—	$61,057
International Developed	—	$17,445
Emerging Markets	—	$8,723
Income	40%	$58,150
US Aggregate Bond	—	$40,705
Munis	—	$17,445

Tax context

Approximate additional tax

$104,625

Approximate net cash to deploy

$145,375

NIIT applies going forward.

Investment income on the deployed cash is subject to an additional 3.8% Net Investment Income Tax. Consider biasing taxable bonds and REITs toward tax-deferred accounts in your IPS; munis stay attractive (NIIT-exempt).

DAF bunching opportunity.

A cash inflow this size in a high-income year is the textbook setup: pool several years of normal charitable giving into a Donor-Advised Fund now, take the standard deduction in the off years.

Tranche schedule

Tranche	When	Amount
#1	Today	$145,375

The full Cash-Deployment Workbench in Ironlake adds tax-context analysis (NIIT exposure, charitable bunching opportunities, withholding gap) and saves the resulting memo to your decision journal as a versioned record.

Open Ironlake

Illustrative only. Allocation distributions assume the rest of your portfolio is at target. The additional-tax estimate uses the 2026 federal bracket schedule plus a single state marginal rate you provide; it treats the cash as ordinary income (which OVERSTATES the tax for inheritances and business sales — see the source-specific note above) and does not model AMT, IRMAA, the AGI phase-out of deductions, or state-specific exceptions. The NIIT flag uses the statutory MAGI thresholds ($200k single/HoH, $250k MFJ, $125k MFS, not inflation-indexed). Tranche schedules ignore market timing. Consult your investment and tax professionals.