Tax Optimization & Loss Harvesting

Data on This Page

Five harvesting opportunities across taxable accounts (Chen Family Trust, Whitmore Family Office, Ito Holdings, Beaumont Estate, Nordholm Pension) with holding, unrealized loss, wash-sale risk status and days left in the harvesting window, plus totals for harvestable loss, flagged trades and loss harvested year-to-date.

What This Agent Does

Scans taxable accounts daily for positions sitting at an unrealized loss, checks each candidate against the 30-day wash-sale window for substantially identical securities bought or sold recently, and ranks opportunities by loss size and urgency. Clean trades are queued for one-click harvest execution; anything with wash-sale risk is held back for manual review.

Worked Examples

• Chen Family Trust's Regional Tech ETF shows an $84,200 loss, clear of wash-sale risk with 6 days left — the agent's largest clean "Queue Harvest" candidate.
• Nordholm Pension's Small Cap Value has a $9,850 loss but is wash-sale flagged with only 2 days left — the agent withholds the harvest action and escalates for manual review before the window closes.
• Beaumont Estate's Emerging Markets Bond ($62,700 loss, clear, 19-day window) is deprioritized behind Ito Holdings' REIT Income Fund, which has only a 3-day window remaining.