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Audit my $800k portfolio and catch my advisor cloning my Roth into a taxable account

A 37-year-old who suspected his big-firm advisor treated his roughly $800,000 portfolio as an afterthought uploaded his statements, gain/loss and trade history to the AI. The audit found two years of S&P underperformance - and the real problem: when he asked the firm to extend a successful Roth IRA strategy to his taxable individual account, they copied the exact same asset ratios across, so dividend-heavy holdings now throw off ordinary-income tax every year, a non-issue inside the Roth. Confronted, the advisor called it a known model limitation. He is firing the firm.

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Every idea is a real post from someone who tried it, summarized in our words, with a link to the original. App names are swapped for plain words.