Household Tax Opportunities

Household Tax Opportunities for Harvesting and Wash-Sale Review

Review harvestable losses, gain candidates, embedded gains, bracket room, NIIT distance, and wash-sale risk from saved household lots.

Tax opportunities are only useful when the lot, account, date, and tax-context assumptions are visible.

This workflow reads the saved household snapshot and surfaces diagnostic candidates without creating trades, advice, or a saved run.

Review Tax Opportunities

What the diagnostic surfaces

  • Harvestable losses using cost basis as the percentage denominator.
  • Gain-harvest candidates and embedded-gain exposure from saved lots.
  • Wash-sale warnings that separate already-triggered violations from forward replacement risk.

Tax context shown in the workflow

  • Headroom to the next federal bracket when current 2026 or historical brackets are selected.
  • Distance to the NIIT threshold when the bracket mode supports it.
  • Snapshot staleness and member-account warnings so users know when the diagnostic may be incomplete.

How it fits with the household workflow

Household Tax Opportunities is a read-only diagnostic. It pairs with Household Setup for saved accounts and lots, and with the Household Allocator when the next step is a reproducible backtest or trade-plan simulation.

Interpretation boundary

The page does not recommend a transaction, determine tax filing treatment, or replace professional review. It surfaces candidates and assumptions that need inspection.

Related Pages

Household Portfolio Tax Simulation

See how household accounts, lots, RMDs, and live strategy monitoring fit together.

Tax-Loss Harvesting Replacement Finder

Connect lot diagnostics to factor-matched replacement research.

Household Docs

Setup, dashboard, tax opportunities, and allocator workflow.

Household Dashboard

Review saved accounts, lots, and allocation drift.

Tax-Aware Backtesting

See how taxable-account assumptions affect backtests.