Sample household
The Whitmore Family
Client Office · Advisor Dyllin L. Moulton · As of 19 Aug 2026
Self-serve planning between meetings. AI can draft; a Fairscale advisor still reviews every material decision. Sign in to save a case or a draft.
Fairscale Capital does not provide tax advice. Harvesting ideas are drafts for your CPA and advisor — nothing here is an instruction to trade.
Selected losses
$515K
4 lots in the idea
Est. 2026 federal
$403K
Ordinary + LTCG + NIIT
If harvested
$280K
Illustrative 23.8% offset
Multi-year tax load
Projected liability vs. harvesting offset from the lots you include
Open lots
Check a position to include it in the harvest idea. Wash-sale lots are locked out.
| Include | Position | Account | Cost | Market | Unrealized | Flags |
|---|---|---|---|---|---|---|
| Vanguard Growth ETF | Taxable — joint | $1,820,000 | $1,640,000 | -$180,000 | LT | |
| iShares Small-cap | Taxable — joint | $640,000 | $512,000 | -$128,000 | LT | |
| Developed Markets ETF | Taxable — trust | $910,000 | $874,000 | -$36,000 | STWash risk | |
| Active tech SMA | Taxable — joint | $1,105,000 | $980,000 | -$125,000 | ST | |
| Energy select | Taxable — trust | $420,000 | $338,000 | -$82,000 | LT |