Tax-Lot Optimization

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

TOTAL VALUE

$204,713

UNREALIZED GAIN

+$4,314

EST. TAX LIABILITY

$4,979

HARVESTABLE LOSSES

$11,255

Gains Breakdown

Short-Term Gains

$10,974

Long-Term Gains

$4,594

Harvestable Losses

$11,255

Tax Loss Harvesting

Sell these positions to realize losses and offset gains.

BRK.B

58 shares @ $415.30

$-3,083

Short-term

BRK.B

39 shares @ $420.05

$-2,258

Long-term

META

59 shares @ $383.09

$-1,557

Short-term

JPM

43 shares @ $203.98

$-1,341

Long-term

AMZN

52 shares @ $170.53

$-891

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.	24	$176.38	$178.50	8/22/2024	Long-term	+$50.93 (+1.2%)	-$10.19
AAPL Apple Inc.	58	$128.09	$178.50	2/16/2024	Long-term	+$2923.60 (+39.4%)	-$584.72
AAPL Apple Inc.	24	$206.86	$178.50	11/29/2025	Short-term	$-680.57 (-13.7%)	+$125.90
MSFT Microsoft Corp.	15	$353.40	$378.25	4/13/2024	Long-term	+$372.72 (+7.0%)	-$74.54
MSFT Microsoft Corp.	17	$367.24	$378.25	5/25/2025	Short-term	+$187.25 (+3.0%)	-$69.28
MSFT Microsoft Corp.	49	$335.63	$378.25	5/20/2025	Short-term	+$2088.52 (+12.7%)	-$772.75
GOOGL Alphabet Inc.	13	$132.68	$141.80	7/7/2025	Short-term	+$118.60 (+6.9%)	-$43.88
GOOGL Alphabet Inc.	41	$153.74	$141.80	12/15/2024	Long-term	$-489.35 (-7.8%)	+$90.53
GOOGL Alphabet Inc.	57	$129.72	$141.80	11/7/2025	Short-term	+$688.81 (+9.3%)	-$254.86
AMZN Amazon.com Inc.	50	$141.68	$153.40	12/30/2024	Long-term	+$586.18 (+8.3%)	-$117.24

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 $2,761

By harvesting available losses this year