Tax Efficiency

This handles the full spectrum of tax optimization for investment portfolios, from asset location (bonds in IRAs, equities in taxable) to tax-loss harvesting, Roth conversions, and withdrawal sequencing in retirement. It covers wash-sale rules, RMD planning, and charitable giving strategies with appreciated securities. The worked examples show real dollar impacts, like saving $3,250 annually through optimal asset placement across account types. Honestly, the depth here is impressive. It bridges accumulation and distribution phases with actual formulas and breakeven analysis, not just vague advice. If someone asks about HIFO vs FIFO, bracket stuffing, or which account should hold REITs, this gives them computational answers with tax code specifics.

Install to Claude Code

npx -y skills add joellewis/finance_skills --skill tax-efficiency --agent claude-code