Tax Loss Harvesting: What it Should Really Look Like at Your Wealth Level

The Wealth Cafe · Oct 15, 2026 · 16m · transcript

Tax-loss harvesting can turn underperforming investments into a valuable tax-planning opportunity—but timing, account coordination, and the wash-sale rule all matter. In this episode, we discuss how investors can use realized losses to offset capital gains, potentially reduce federal taxes, and improve the long-term tax efficiency of a taxable portfolio.

What we’ll cover:

✅ How capital losses offset capital gains dollar for dollar

✅ Why excess losses may be carried forward to future tax years

✅ Why taxable accounts and IRAs must be reviewed together

✅ How replacement securities can help…