tax-loss-harvest-scanner
Installation
SKILL.md
Tax-Loss Harvest Scanner
Table of Contents
Overview
Tax-loss harvesting realizes losses in a taxable brokerage to offset gains (and up to $3,000 of ordinary income per year) without changing the household's economic position — the proceeds buy a similar-but-not-identical security, keeping market exposure intact. The hardest part is the wash-sale rule: a sale at a loss is disallowed if a substantially identical security is bought within 30 days in any household account, including a spouse's IRA.
This skill scans the taxable brokerage for harvest candidates and validates each against the wash-sale window across all household accounts.