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 →
Your Financial Intelligence Layer™
The intelligence of your ownChief Financial Officer.
Vysaro is the private intelligence layer that holds your complete financial picture and works on it continuously. Accounts, holdings, real estate, liabilities, tax history and estate planning all understood by your CFO -
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What Vysaro is
The power of a family office.
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Net worth reconciled continuously. Assets categorized from brokerage to real estate to private investments. Cash flow through your actual transactions. Tax awareness with harvesting flags. Advisor coordination pre-drafted. One view, refreshed live.
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%
Asset Valuation
+0.9% today$4,115,200
Connected brokerage holdings$1,284,000
Retirement$1,092,000
Real estate$1,450,000
412 Ridgeway Lane$1,450,000
Cash and deposits$104,200
Marcus high-yield savings$61,400
Ally high-yield savings$42,800
Private investments$185,000
Fund interests$185,000
Collectibles$0
Art, watches, wine and other appraisal-driven assets.
Vehicles$0
Cars, boats and other titled vehicles.
Cash Flow Intelligence
38.7% savings rate30d60d90dYTD1Y
Income$32,400
Expenses$19,850
Net$12,550
Savings Rate38.7%
Income sources
Expenses by category+2 more categories · $2,500
Transactions · 214(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
SynthesizeCompare
Choose a few documents and your CFO reads them together: the picture that emerges across them, not one file at a time.
Tax
2025 Form 1040.pdf38k
Insurance
Homeowners policy 2026.pdf21k
Legal
Revocable trust agreement.pdf64k
Brokerage agreement.pdf12k
0 of 4 documents<1k of 400k
Read these togetherAdvisor 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 →
The experience
Never be alone with your finances again.
Ask the question that's actually keeping you up. Your CFO has already read your numbers and answers with a plan.
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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Vysaro never sells, shares or licenses your personal or financial data. Your structured financial data, including balances, holdings and profile details, is protected by per-user row-level security. Uploaded documents are processed and the originals discarded unless you explicitly choose to keep them.
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