Tax-loss harvesting can help turn certain investment losses into potential tax planning opportunities. This guide explains the basic concept, walks through how gains and losses may offset each other, and highlights important considerations before using the strategy. It also includes examples and a worksheet to help make the process easier to understand.

Tax-loss harvesting works best when it is considered alongside your broader investment strategy, tax picture, and long-term goals. We help clients connect portfolio decisions with tax planning, retirement income, and overall financial strategy, so tax-aware opportunities are evaluated in context rather than in isolation.