Identifies tax-loss harvesting opportunities in taxable accounts: scans unrealized losses, prioritizes by size and type, suggests replacement securities, tracks wash sales across accounts, and creates execution plans.
From wealth-managementnpx claudepluginhub anthropics/financial-services-plugins --plugin wealth-managementThis skill uses the workspace's default tool permissions.
Dispatches parallel agents to independently tackle 2+ tasks like separate test failures or subsystems without shared state or dependencies.
Executes pre-written implementation plans: critically reviews, follows bite-sized steps exactly, runs verifications, tracks progress with checkpoints, uses git worktrees, stops on blockers.
Guides idea refinement into designs: explores context, asks questions one-by-one, proposes approaches, presents sections for approval, writes/review specs before coding.
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: