Tax-loss harvesting across the taxable account
You are carrying $180,000 in unrealized losses. Harvesting offsets the $84,000 in short-term gains first, then long-term, with the surplus carried forward at $3,000 a year.
ProposedAsk CFO →
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Net Worth Snapshot
All data current$3,232,200+1.5% 30D+$48,300
Total Assets$4,115,200
Total Liabilities$883,000
Liquid Assets$2,480,200
Illiquid Assets$1,635,000
Asset Liquidity Liquid 60% Illiquid 40%
Assets$4,115,200
AssetSourceTypeValue
Public EquitiesStocksPlaidliquid$1,284,200
Cash and DepositsCashPlaidliquid$396,000
Retirement AccountsTax deferredPlaidliquid$610,000
BitcoinCryptocurrencyCalculatedliquid$190,000
1214 Ridgeway DriveReal EstateCalculatedilliquid$1,250,000
Meridian Fund IIPrivate InterestCalculatedilliquid$310,000
Range RoverVehiclesCalculatedilliquid$75,000
Liabilities$883,000
Net Worth$3,232,200
Banks· 2$396,000
Brokerages· 2$1,894,200
Credit Cards· 1$47,000
Asset Valuation
+0.9% today$4,115,200
Brokerage Holdings· 3$1,894,200
Rollover IRA · FidelityPlaid$372,000
AssetPriceChangeCostP&LValue
Vanguard Total Stock Market ETF$292.50+1.5%$74,000+18.6%$87,750
Vanguard S&P 500 ETF$496.30+2.3%$68,000+27.7%$86,853
iShares Core US Aggregate Bond$98.20-0.3%$51,000-3.7%$49,100
Vanguard Total Intl Stock ETF$62.40+0.8%$40,000+9.2%$43,680
Vanguard Dividend Appreciation$198.75+1.4%$25,500+16.9%$29,813
Johnson & Johnson$152.30-0.8%$30,500-10.1%$27,414
Microsoft Corp$418.60+3.3%$18,000+39.5%$25,116
Vanguard Real Estate ETF$89.10-1.3%$26,500-15.9%$22,275
Cryptocurrency$190,000
AssetQuantityPriceP&LValue
Bitcoin, cold storage1.4$95,000+$55,000$133,000
Bitcoin, exchange0.6$95,000+$16,000$57,000
Real Estate$1,250,000
Private Interest$310,000
Vehicles$75,000
Cash Flow Intelligence
39% savings rate30d60d90dYTD1Y
Income after tax$20,825
Expenses$12,750
Net income after tax$8,075
Savings Rate39%
Income sources
Salary72%×2$23,400
Dividends14%×11$4,600
Interest14%×2$4,400
Gross income$32,400
Taxes on this income
Federal· 25%-$8,100
NY State· 6.85%-$2,219
NYC· 3.875%-$1,256
Total taxes-$11,575
Income after tax$20,825
Expenses by category
Housing38%×3$4,900
Bills19%×9$2,400
Food & Drink16%×31$2,100
Travel13%×4$1,600
Shopping8%×17$1,000
Services4%×6$450
Other2%×8$300
Total spending$12,750
Net income after tax$8,075
Transactions · 93(All accounts)
Aug 12Whole Foods MarketSapphire Reserve ···4412Food & Drink-$184
Aug 11Ridgeway HOAAlly Checking ···7781Housing-$640
Aug 9Delta Air LinesSapphire Reserve ···4412Travel-$1,240
Aug 8Payroll depositAlly Checking ···7781Income+$11,700
Aug 7Con EdisonSapphire Reserve ···4412Bills-$312
Tax Awareness
Full tax dataEffective Rate24.1%from your 2025 return
Marginal Rate35%from your 2025 return
Harvesting Opportunities$180,0001 active strategy
Tax · 2 opportunitiesShort-term $84,000 · long-term $130,000 · next payment September 15
Cost-basis election is still FIFO
AcceptedPartial sales are matching your oldest lots first, which realizes more gain than specific identification would. Changing the election takes one form with your brokerage.
AcceptedAsk CFO →
Findings
4 openIdentified Savings$38,000
Open Findings4
Areas with Findings3Mortgage, Portfolio, Cash
Your CFO works through your financial picture one area at a time.
Anything worth your attention lands here and stays here until you act on it or set it aside.
Mortgage · 1 findingsARM resets NovemberReview Mortgage →
Portfolio · 2 findings6 accounts, cost basis availableReview Portfolio →
Cash · 1 findings2 high-yield accounts connectedReview Cash →
ARM resets in November, payment rises $1,436
The reset takes your payment from $3,772 to $5,208. Redirecting the $2,100 a month currently auto-investing covers the gap without selling anything.
ProposedAsk CFO →
Document Intelligence
Paste the email thread
Elena, following up on the ARM reset in November and how it interacts with the harvest we discussed.
106 / 50,000 Summarize thread for me Draft a reply
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Advisor Coordination
3 questions readyQuestions your CFO has queued for your professionals.
EPElena· CPA · 3GMGrant· Attorney · 2YRYusuf· Financial Advisor · 1
Showing 2 questions for Elena ParkWhat questions should I be asking Elena Park? →Prepare for a conversation with Elena Park →1 Conversation Guide · Last Aug 4
EPFor Elena ParkAug 11, 2026
My ARM resets in November and the payment rises $1,436 a month. Before I decide between paying down principal and refinancing, what does the interest deduction look like either way at my bracket?
ReadyAsk CFO →
EPFor Elena ParkAug 9, 2026
I am carrying $180,000 in unrealized losses and $214,000 in realized gains year to date. What is the cleanest sequence to harvest without tripping a wash sale against the retirement accounts?
ReadyAsk CFO →
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My Vysaro CFOMortgage
On your $840,000 balance the reset raises your payment from $3,772 to $5,208, about $1,436 more per month starting in November.
Three ways to absorb it from your actual holdings:
1. Redirect the $2,100 per month currently auto-investing into your taxable account. Covers the gap with no asset sales.
2. Shift $310K of maturing Treasuries into a 2026 ladder. The added yield covers roughly 60% of the increase.
3. A $150K paydown from money market brings the new payment within $240 of today's.
Option 1 preserves the most flexibility. Want me to model all three against your 12-month cash flow?
Monthly cash flow impact after reset
12-month projection · Nov 2026 – Oct 2027
Option 1 breaks even on cash flow. Options 2 and 3 leave a manageable gap.
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