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From wealth-management
Identifies tax-loss harvesting opportunities across taxable accounts by finding positions with unrealized losses, suggesting replacement securities, and tracking wash sale windows.
npx claudepluginhub anthropics/financial-services --plugin wealth-managementHow this skill is triggered — by the user, by Claude, or both
Slash command
/wealth-management:tax-loss-harvestingThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
description: Identify tax-loss harvesting opportunities across taxable accounts. Finds positions with unrealized losses, suggests replacement securities, and tracks wash sale windows. Triggers on "tax-loss harvesting", "TLH", "harvest losses", "tax losses", "unrealized losses", or "year-end tax planning".
Executes tax-loss harvesting workflow: identifies unrealized loss candidates, builds gain/loss budgets, selects wash-sale compliant replacements, coordinates trades, monitors post-harvest.
Scans taxable brokerage lots for unrealized losses above threshold, detects wash-sale risks across household accounts including planned buys, proposes safe harvest pairs with similar replacements. For tax planning and TLH scans.
Tax-loss harvesting and wash sale tax rules. Invoked by core skills when 1099-B contains wash sale adjustments or when unrealized losses are detected in the portfolio.
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description: Identify tax-loss harvesting opportunities across taxable accounts. Finds positions with unrealized losses, suggests replacement securities, and tracks wash sale windows. Triggers on "tax-loss harvesting", "TLH", "harvest losses", "tax losses", "unrealized losses", or "year-end tax planning".
Scan taxable accounts for positions with unrealized losses:
| Security | Asset Class | Cost Basis | Current Value | Unrealized Loss | Holding Period | % Loss |
|---|---|---|---|---|---|---|
| ST / LT |
Prioritize by:
Calculate the client's tax situation:
| Category | Amount |
|---|---|
| Realized short-term gains YTD | |
| Realized long-term gains YTD | |
| Realized losses YTD | |
| Net gain/(loss) position | |
| Carryforward losses from prior years | |
| Target harvesting amount |
Tax savings estimate:
For each harvest candidate, suggest a replacement that:
| Sell | Replace With | Reason | Tracking Error Risk |
|---|---|---|---|
| SPDR S&P 500 (SPY) | iShares Core S&P 500 (IVV) | Same index, different fund family | Minimal |
| Vanguard Total Intl (VXUS) | iShares MSCI ACWI ex-US (ACWX) | Similar exposure, different index | Low |
| Individual stock ABC | Sector ETF (XLK) | Broader exposure, no wash sale risk | Moderate |
Before executing, verify no wash sales:
| Security Sold | Wash Sale Window Start | Window End | DRIP Active? | Risk |
|---|---|---|---|---|
| Trade # | Account | Action | Security | Shares | Est. Proceeds | Est. Loss | Replacement | Notes |
|---|---|---|---|---|---|---|---|---|
| Sell | ||||||||
| Buy |
Summary:
After 30+ days, optionally: