Household Tax Opportunities
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.
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.
The page does not recommend a transaction, determine tax filing treatment, or replace professional review. It surfaces candidates and assumptions that need inspection.
Does this tool harvest losses or place trades for me?
No. It is a read-only diagnostic that surfaces tax candidates from a saved household and its latest holdings snapshot. It intentionally avoids trade-execution actions and does not place or recommend trades.
What does it surface?
Four classes of candidates: harvestable losses that clear the account thresholds, gain-harvest candidates that fit estimated LTCG bracket room, embedded gains flagged on concentration, and wash-sale risk for each loss candidate.
Does it decide which replacement security is substantially identical?
No. Wash-sale matching is ticker-exact plus the household's configured substitute map. It can surface wash-sale warnings, but it does not determine whether a replacement security is substantially identical under the IRS rules.