For taxable portfolios
Tax-loss harvesting only matters if you have a plan for the losses.
For $1M+ investors, tax-loss harvesting is not a button in a robo app. It needs household-level wash-sale controls, capital-gain planning, charitable lot selection, and coordination with the rest of the portfolio.
Where advisors add value
- Coordinating wash-sale risk across taxable accounts, IRAs, spouse accounts, and employer stock.
- Deciding when direct indexing is worth the added cost over ETF harvesting.
- Using harvested losses to diversify concentrated stock or rebalance without tax drag.
- Timing gains, Roth conversions, charitable giving, and portfolio transitions.
- Making sure the loss strategy survives CPA review and actual tax filing.
Best fit: investors with $500K+ in taxable accounts, high ordinary income, embedded gains, or a future liquidity event.
Useful starting points
Tax-Loss Harvesting Guide
How harvesting works, what it can and cannot offset, and why wash-sale controls matter.
Direct Indexing vs ETF Tax-Loss Harvesting
When single-stock harvesting justifies the extra complexity and when an ETF process is enough.
How matching works
1
Share the tax picture. Taxable assets, gains, income, and current harvesting setup.
2
We identify specialists. Fee-only advisors who understand direct indexing and household-level tax coordination.
3
You interview. Free match. No obligation.
Get matched with a tax-loss harvesting advisor
For taxable portfolios where after-tax implementation matters.
Tax-Loss Harvesting Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network. We do not manage money or provide individualized advice.