We will help you optimize gains and losses through tax-loss and tax-gain harvesting strategies designed to improve your overall after-tax returns.  By regularly reviewing unrealized gains and losses in taxable brokerage accounts we can assist in minimizing your lifetime tax bill while keeping your portfolio aligned with your risk tolerance, asset allocation, and goals.

This isn’t a once-a-year December activity - markets give us opportunities all year round.  Our proactive strategies operate as follows:

1. Quarterly/Opportunistic Review - Scan all taxable accounts for unrealized losses >5–10% and low-basis winners
2. Threshold Monitoring - Track your year-to-date taxable income and remaining tax bracket room
3. Trade Execution - Sell losers → immediately buy similar (non-wash) holdings Sell winners up predefined limits
4. Documentation & Reporting - Provide a year-end “Realized Gain/Loss Harvesting Summary” for your CPA
5. Year-End Sweep (Dec) - Final opportunity before December 31 deadline