Does this tell me which replacement avoids wash-sale rules?

No. It can surface wash-sale warnings and factor/exposure differences, but it does not determine whether a replacement security is substantially identical.

Why pair tax opportunities with Match Factor Exposure?

Tax-loss harvesting creates an implementation question: if a lot is a candidate, what exposure drift might a replacement introduce? Factor matching makes that research explicit.

Tax-Loss Harvesting

Tax-Loss Harvesting Replacement Finder Workflow

Review harvestable losses, wash-sale warnings, and factor-matched replacement basket research without treating the result as tax advice.

Tax-loss harvesting work can fail when the replacement question is separated from the lot, account, wash-sale, and exposure assumptions.

This page shows the ArthaPilot workflow for finding household lot candidates, then researching replacement baskets with factor exposure and tracking-error diagnostics.

Review Tax Opportunities Open Match Factor Exposure

Start with one question

See the workflow before opening the tool

Harvest candidate review

Which saved lots show harvestable losses, gain candidates, or wash-sale warnings at the snapshot date?

Output previewTicker | account | unrealized loss | wash-sale status | lot age

Review Tax Opportunities →

Replacement basket research

Can a long-only ETF basket approximate the target's factor exposures before any tax decision is considered?

Output previewCandidate weights | factor beta distance | tracking error | active alpha

Open Match Factor Exposure →

What the workflow connects

Household Tax Opportunities for lot-level loss and gain diagnostics.
Wash-sale warnings and snapshot staleness checks before interpreting candidates.
Match Factor Exposure for replacement-basket research using named factor models.

Why replacement research needs boundaries

A factor-matched basket can help compare exposure drift, but it does not determine whether a replacement is substantially identical or tax-safe. That legal and filing question remains outside the product.

The useful output is a transparent research trail: which lots were flagged, which replacement candidates were considered, and what exposure differences remained.

Inputs to inspect before relying on the output

Snapshot date, account ownership, cost basis, and wash-sale lookback context.
The target fund, candidate ETF universe, factor model, and estimation window.
Whether the proposed replacement research should be stress-tested in a tax-aware backtest.

Current boundary

ArthaPilot surfaces tax-lot diagnostics and exposure-matching research. It does not recommend trades, determine tax treatment, or certify replacement securities for wash-sale purposes.

FAQ

Does this tell me which replacement avoids wash-sale rules?: No. It can surface wash-sale warnings and factor/exposure differences, but it does not determine whether a replacement security is substantially identical.
Why pair tax opportunities with Match Factor Exposure?: Tax-loss harvesting creates an implementation question: if a lot is a candidate, what exposure drift might a replacement introduce? Factor matching makes that research explicit.

Household Portfolio Tax Simulation

Keep accounts, lots, RMDs, and tax context attached before interpreting tax-opportunity output.

Household Tax Opportunities

Review saved household lots, gain/loss candidates, and wash-sale warnings.

Match Factor Exposure

Research replacement baskets by achieved betas and tracking error.

Tax-Aware Backtesting

Test portfolio paths after tax context and lot assumptions are applied.