A tax professional wants to help clients claim tax-loss harvesting deductions without losing stock positions, but the wash-sale rule requires a 31-day waiting period that introduces market risk.

Existing strategies either expose the client to market risk during the 31-day wait or require additional capital and double exposure, lacking a risk-free method to maintain position while harvesting losses.

Severity

4High

Willingness to Pay

implied

Added

Apr 28, 2026

Workarounds Described

waits 31 days before rebuying same stock
uses 'double up then sell' strategy to buy additional shares, then wait 31 days before selling original lot

Implied Software Gaps

Software that maintains stock exposure via options during wash-sale period while complying with IRS rules
Automated trade execution system for double-up strategy with risk management alerts

App Concept

LossHarvest Pro

A risk-management platform that uses options strategies (e.g., deep-in-the-money calls) to legally maintain economic exposure to a stock during the wash-sale period, allowing loss harvesting without market risk. Automates the trade execution and tracks wash-sale compliance.

Key Features

Automated wash-sale period options replacement
Real-time tax-loss harvesting opportunity alerts
Integration with major brokerages for trade execution
Customizable risk parameters and compliance reporting

Target Users: Tax professionals and wealth managers at accounting or advisory firms managing client portfolios with tax-loss harvesting needs

Revenue Model: $49/mo per advisor subscription, plus 0.1% AUM fee on managed loss harvesting trades

Existing Solutions Mentioned

waiting 31 days to rebuydouble up then sell strategy

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