tax-loss-harvesting
Tax-Loss Harvesting
Purpose
Execute a complete tax-loss harvesting (TLH) workflow from candidate identification through post-harvest monitoring. Provides decision criteria, quantitative thresholds, replacement security selection logic, wash-sale compliance tracking across accounts, and household-level coordination that go beyond the overview in the tax-efficiency skill.
Layer
5 — Policy and Planning
Direction
both
When to Use
- Scanning a portfolio for unrealized losses that exceed a materiality threshold
- Building a gain/loss budget for the current tax year to determine target harvest amount
- Selecting replacement securities that maintain factor exposure without triggering wash-sale rules
- Tracking the 61-day wash-sale window across taxable, IRA, and spouse accounts
- Generating a TLH trade list coordinated with rebalancing
- Calculating the after-tax value of a proposed harvest including state taxes and NIIT
- Monitoring replacement positions and planning swap-back timing after the wash-sale window closes
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