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Found 6 Skills
Tax-loss harvesting via Longbridge — identify unrealised-loss positions in the account, evaluate tax benefit of realising losses, suggest substitute securities to maintain market exposure (avoiding wash-sale rules), and track the 30-day wash-sale window. Suited for year-end US tax planning. Triggers: "税损收割", "亏损锁定", "wash sale", "税务规划", "节税", "税务优化", "年末税务", "未实现亏损", "稅損收割", "虧損鎖定", "稅務規劃", "節稅", "年末稅務", "未實現虧損", "tax loss harvesting", "wash sale", "tax planning", "realized loss", "unrealized loss", "tax optimization", "year-end tax", "substitute securities".
Execute a complete tax-loss harvesting workflow from candidate identification through post-harvest monitoring. Use when the user asks about finding TLH candidates, gain/loss budgeting, replacement security selection, wash-sale compliance, or harvest execution planning. Also trigger when users mention 'unrealized losses in my portfolio', 'swap ETFs for tax purposes', 'harvest losses before year-end', 'substantially identical security', 'wash-sale window', 'NIIT offset', 'loss carryforward', or ask how much tax they can save by harvesting.
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".
Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".
Practical playbook for tax-loss harvesting (TLH) with US broad-market index ETFs — selling positions at a loss to offset capital gains and up to $3,000/year of ordinary income, while staying invested via a "partner" ETF that tracks the same market without triggering wash sale rules. Use this whenever the user mentions tax-loss harvesting, TLH, wash sales, harvesting losses, swapping VOO for IVV or SPLG, offsetting capital gains, carrying forward losses, the $3K ordinary income deduction, or asks what to do with a position that's underwater in a taxable account. Trigger even when the user only describes the situation ("my VOO is down 18% and I have gains elsewhere this year, can I do something?") without using the term TLH. Always note this is general tax information, not personalized tax advice — a CPA should review before execution at meaningful dollar amounts.
Tax-loss harvesting opportunity identification, scoring, and planning with wash sale compliance and annual carryforward tracking