Tax Optimizer

Purpose

Tax optimization strategies including tax-loss harvesting, wash sale rule navigation, asset location optimization, Roth conversion analysis, and charitable giving strategies.

Routing

• Use when: Use when the user asks about tax-loss harvesting, wash sale rules, asset location, Roth conversion, tax-efficient investing, capital gains management, charitable giving tax strategies, or tax-optimized withdrawal sequencing.

• Do not use when: Do not use when the request is about tax preparation/filing, business tax strategy, estate tax planning, or non-investment tax questions.

• Outputs: Outcome from Tax Optimizer: tax-efficient strategy recommendations with quantified tax savings, implementation steps, timing guidance, and compliance guardrails.

• Success criteria: Returns specific tax optimization actions with estimated dollar savings, applicable rules and thresholds, implementation timeline, and clear warnings about compliance requirements like wash sale rules.

Trigger Examples

Positive

• Use the tax-optimizer skill for this request.

• Help me with tax optimizer.

• Use when the user asks about tax-loss harvesting, wash sale rules, asset location, Roth conversion, tax-efficient investing, capital gains management, charitable giving tax strategies, or tax-optimized withdrawal sequencing.

• Tax Optimizer: provide an actionable result.

Negative

• Do not use when the request is about tax preparation/filing, business tax strategy, estate tax planning, or non-investment tax questions.

• Do not use tax-optimizer for unrelated requests.

• This request is outside tax optimizer scope.

• This is conceptual discussion only; no tool workflow is needed.

Parameters

Name Type Required Description

portfolio string Yes Portfolio details including account types and holdings (e.g., Taxable: SPY $200K, AAPL $50K; IRA: BND $100K; Roth: VTI $75K)

strategy select Yes Tax optimization strategy to focus on

question string Yes Your specific tax optimization question

taxBracket select Yes Federal marginal tax bracket

filingStatus select Yes Tax filing status

Runtime Prompt

• Current runtime prompt length: 1139 characters.

• Runtime prompt is defined directly in ../tax-optimizer.json .