Total Estimated Tax Savings

$8,610/year

1 of 14 strategies enabled

Tax Strategies

Direct Indexing

Tax-loss harvesting on individual stocks

$9K/yr

Solar & EV Credits

Tax credits + depreciation on clean energy

~$122K on $250K project

Oil & Gas Investing

Intangible drilling cost deductions

~$94K on $200K

Rental Passive Bypass

Short-term rental income offset

~$72K on $500K property

Non-Passive Real Estate Loss

REP status rental loss deductions

~$353K on $3M property

Maximize Retirement Savings

Max out 401(k), IRA, and mega backdoor

~$23K/year

Donor-Advised Fund (DAF)

Upfront deduction, flexible giving

~$32K on $50K donation

Charitable Remainder Trust (CRUT)

Income stream + charity remainder

~$43K on $100K

S-Corp Tax Optimization

Reduce self-employment taxes

~$14K/year on $300K income

Accelerated Depreciation

Cost segregation on rental property

~$28K/year on $60K rent

Family Income Shifting

Employ children in your business

~$10K/year with 2 children

Rent Home to Business

Augusta Rule — tax-free rental

~$7K saved at $1K/night

QSBS Stacking

QSBS capital gains exclusion

~$3M on $10M gain

Tax-Free Expense Reimbursement

Accountable plan reimbursements

~$9K/year on $20K expenses

Direct Indexing

Tax-loss harvesting through direct indexing

Quick scenarios:

Investable Assets$300,000

$50K$10M

Tax Alpha2.5%

1% (conservative)5% (aggressive)

The net annual benefit from tax-loss harvesting as a % of your portfolio. Comes from booking capital gains and losses to reset the cost basis of winners. Typical range: 2–3%.

Income Tax Bracket37%

Used to calculate the $3,000 ordinary income offset benefit. The IRS allows up to $3,000 of capital losses to offset ordinary income each year.

Annual Tax Benefit

$8,610

per year from direct indexing

Tax alpha (2.5% of portfolio)$7,500

$3K income offset × 37%$1,110

5-year benefit$43,050

10-year benefit$86,100

Benefit range (1.5%–4% tax alpha)

$6K$13K

With $300,000 in direct-indexed investments at 2.5% tax alpha, you gain $8K/year from harvesting losses. Plus $1K from the $3K ordinary income offset — totaling $9K/year.

How it works

1. Own individual stocks

Instead of holding an index fund, you own the individual constituents of the index directly.

2. Harvest tax losses

When positions decline, sell them to realize losses while buying similar stocks to maintain exposure.

3. Offset your gains

Harvested losses offset capital gains and up to $3,000 of ordinary income per year.