I have an IRA, Roth IRA, private account, and a large investment in my business. I just hired a portfolio manager to handle the private account this summer. Tha

I have an IRA, Roth IRA, private account, and a large investment in my business. I just hired a portfolio manager to handle the private account this summer. That has been great because it is now invested in individual equities (which is great for tax purposes) except for an emerging markets ETF. The IRA and Roth IRA are managed individually by me and I've decided to put them into an S&P index fund and forget it. I'd actually like to manage the 3 accounts in tandem to avoid paying taxes. The idea would be to load up the non-taxable accounts with the higher risk/return investments - which should outperform over time - so that I'm selling them without taking a tax penalty when it comes time to rebalance. The problem is, my portfolio manager won't touch them because they don't meet his minimum.