---
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`.