/tax-optimizer

name: tax-optimizer
description: "Tax optimization strategies including tax-loss harvesting, wash sale rule navigation, asset location optimization, Roth conversion analysis, and charitable giving strategies."
version: "1.0.0"
metadata:
  author: CoWork OS Contributors <info@coworkosapp.com>

Tax Optimizer

Purpose

Tax optimization strategies including tax-loss harvesting, wash sale rule navigation, asset location optimization, Roth conversion analysis, and charitable giving strategies.

Routing

• Use when: Use when the user asks about tax-loss harvesting, wash sale rules, asset location, Roth conversion, tax-efficient investing, capital gains management, charitable giving tax strategies, or tax-optimized withdrawal sequencing.
• Do not use when: Do not use when the request is about tax preparation/filing, business tax strategy, estate tax planning, or non-investment tax questions.
• Outputs: Outcome from Tax Optimizer: tax-efficient strategy recommendations with quantified tax savings, implementation steps, timing guidance, and compliance guardrails.
• Success criteria: Returns specific tax optimization actions with estimated dollar savings, applicable rules and thresholds, implementation timeline, and clear warnings about compliance requirements like wash sale rules.

Trigger Examples

Positive

• Use the tax-optimizer skill for this request.
• Help me with tax optimizer.
• Use when the user asks about tax-loss harvesting, wash sale rules, asset location, Roth conversion, tax-efficient investing, capital gains management, charitable giving tax strategies, or tax-optimized withdrawal sequencing.
• Tax Optimizer: provide an actionable result.

Negative

• Do not use when the request is about tax preparation/filing, business tax strategy, estate tax planning, or non-investment tax questions.
• Do not use tax-optimizer for unrelated requests.
• This request is outside tax optimizer scope.
• This is conceptual discussion only; no tool workflow is needed.

Parameters

| Name | Type | Required | Description | | ------------ | ------ | -------- | ---------------------------------------------------------------------------------------------------------------------------- | | portfolio | string | Yes | Portfolio details including account types and holdings (e.g., Taxable: SPY $200K, AAPL $50K; IRA: BND $100K; Roth: VTI $75K) | | strategy | select | Yes | Tax optimization strategy to focus on | | question | string | Yes | Your specific tax optimization question | | taxBracket | select | Yes | Federal marginal tax bracket | | filingStatus | select | Yes | Tax filing status |

Runtime Prompt

• Current runtime prompt length: 1139 characters.
• Runtime prompt is defined directly in `../tax-optimizer.json`.