Tax-Lot Optimization

Minimize tax impact through intelligent lot selection and tax-loss harvesting strategies.

TOTAL VALUE

$146,050

UNREALIZED GAIN

$-881

EST. TAX LIABILITY

$739

HARVESTABLE LOSSES

$4,099

Gains Breakdown

Short-Term Gains

$560

Long-Term Gains

$2,658

Harvestable Losses

$4,099

Tax Loss Harvesting

Sell these positions to realize losses and offset gains.

AAPL

33 shares @ $212.09

$-1,109

Long-term

BRK.B

41 shares @ $377.48

$-628

Short-term

JPM

44 shares @ $185.83

$-573

Long-term

META

31 shares @ $374.36

$-548

Short-term

JPM

54 shares @ $182.72

$-535

Long-term

Approaching Long-Term

These lots will qualify for long-term rates soon. Consider waiting.

No lots approaching long-term status.

Tax Lot Details

Show all lots

Symbol	Shares	Cost Basis	Current Price	Purchase Date	Holding Period	Unrealized Gain	Tax Impact
AAPL Apple Inc.	30	$163.10	$178.50	7/12/2024	Long-term	+$462.10 (+9.4%)	-$92.42
AAPL Apple Inc.	33	$212.09	$178.50	2/1/2024	Long-term	$-1108.56 (-15.8%)	+$205.08
MSFT Microsoft Corp.	49	$382.16	$378.25	2/16/2025	Long-term	$-191.77 (-1.0%)	+$35.48
MSFT Microsoft Corp.	13	$335.16	$378.25	12/10/2025	Short-term	+$560.19 (+12.9%)	-$207.27
GOOGL Alphabet Inc.	35	$140.96	$141.80	11/26/2024	Long-term	+$29.33 (+0.6%)	-$5.87
GOOGL Alphabet Inc.	19	$150.73	$141.80	10/2/2025	Short-term	$-169.63 (-5.9%)	+$31.38
AMZN Amazon.com Inc.	15	$155.54	$153.40	4/1/2024	Long-term	$-32.07 (-1.4%)	+$5.93
AMZN Amazon.com Inc.	12	$167.17	$153.40	2/23/2024	Long-term	$-165.23 (-8.2%)	+$30.57
NVDA NVIDIA Corp.	27	$454.43	$495.20	8/24/2024	Long-term	+$1100.76 (+9.0%)	-$220.15
NVDA NVIDIA Corp.	34	$495.23	$495.20	2/7/2024	Long-term	$-0.87 (-0.0%)	+$0.16

Tax-Efficient Rebalancing Settings

Prioritize Tax Loss Harvesting

Sell lots with losses first to offset gains

Current Tax Rates Applied

Short-term gains:37%

Long-term gains:20%

NIIT (if applicable):3.8%

Tax Optimization Tips

Harvest losses to offset up to $3,000 in ordinary income annually
Wait 31 days before repurchasing to avoid wash sale rules
Prioritize selling long-term lots to benefit from lower rates
Consider donating appreciated securities to charity

Potential Tax Savings

Up to $1,330

By harvesting available losses this year