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Tax-Loss Harvesting

Identify tax-loss harvesting opportunities and calculate potential tax savings.

1|Updated Mar 5, 2026
Search Tags:#compliance#finance#portfolio#tax#investing#harvesting
One-click install
npx skills add https://github.com/smrik/ai-fund --skill tax-loss-harvesting-smrik
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: Tax-Loss Harvesting
Source: https://github.com/smrik/ai-fund/tree/main/skills/wealth-management/skills/tax-loss-harvesting
Command: npx skills add https://github.com/smrik/ai-fund --skill tax-loss-harvesting-smrik

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

This skill addresses the complexity of managing taxable investment accounts by identifying opportunities to realize losses to offset capital gains, thereby reducing overall tax liability.

Core Features & Use Cases

  • Opportunity Identification: Scans portfolios for unrealized losses while prioritizing by tax benefit and holding period.
  • Wash Sale Prevention: Automates the verification of 30-day lookback and forward windows across all household accounts to ensure compliance.
  • Replacement Strategy: Suggests suitable replacement securities to maintain market exposure while avoiding substantially identical assets.

Quick Start

Run the tax-loss harvesting workflow to identify potential trades and generate a compliant execution plan for the current household portfolio.

Frequently Asked Questions about Tax-Loss Harvesting

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I identify tax-loss harvesting opportunities across multiple household accounts?▼

Identify tax-loss harvesting opportunities by scanning unrealized losses across multi-account household structures, prioritizing trades by potential tax savings and holding periods to calculate net portfolio impact.

How does wash sale compliance work when harvesting losses across a household portfolio?▼

Wash sale compliance works by automatically verifying 30-day lookback and forward windows across all household accounts, ensuring no substantially identical assets are purchased to maintain regulatory compliance.

What is the best way to maintain market exposure while harvesting tax losses?▼

The best way to maintain market exposure is by substituting sold assets with suitable replacement securities, avoiding substantially identical holdings while preserving your overall portfolio allocation.

Can I calculate potential tax savings from unrealized losses before executing trades?▼

You can calculate potential tax savings by systematically evaluating unrealized losses alongside cost basis and holding periods, allowing you to prioritize trades by their specific tax benefit.

Do I need to track holding periods and cost basis manually for tax-loss harvesting?▼

You do not need to track holding periods and cost basis manually, as systematic evaluation of these metrics is automated to optimize net portfolio impact and ensure compliant execution.

What are the limitations of automated tax-loss harvesting for multi-account structures?▼

Limitations include the strict 30-day wash sale window across all household accounts and the requirement to find non-substantially identical replacement securities, which can restrict available harvesting trades.

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