AI Tax-Loss Harvesting Agent

Tax-loss harvesting used to be a once-a-year sweep; done well, it is a daily discipline. A Tax-Loss Harvesting Agent scans every taxable account each day, respects wash-sale rules, and prepares the trades. It finds the opportunity; the adviser approves the trade.

Tecla builds and operates it in your environment, on your taxable accounts and custodial data, under the controls your firm already answers to.

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The shift underway

Tax-loss harvesting is moving from a once-a-year chore to a daily, systematic discipline, because the distance between doing it well and doing it by hand shows up as real after-tax return. The numbers show what is at stake.

0.9%

average annual tax alpha between the best and worst automated harvesting, per $1M taxable.

Source: Morningstar research

1.08%

per year of tax alpha from systematic monthly harvesting in a long-run study.

Source: Chaudhuri, Burnham & Lo, via Kitces

60–75%

more harvesting events captured by systems that scan daily rather than in batches.

Source:

RIA tax-automation benchmarks, 2026

How it works

Inside the agent

Harvesting well means scanning every taxable account daily, respecting wash-sale rules, and finding replacements that hold the strategy, work that does not scale by hand at year-end. The agent runs it continuously and prepares each trade for approval.

01

Loss Scan

Checks every taxable account daily for positions trading below cost, so losses are captured when they appear rather than only in a December sweep.

Finds the losses
02

Wash-Sale Guard

Screens every candidate against the 30-day wash-sale rule across the household's accounts, so a harvest is never quietly disallowed by a purchase elsewhere.

Keeps it clean
03

Replacement Finder

Identifies a replacement holding that keeps the portfolio's exposure and risk intact while the original is out, so harvesting does not drift the strategy.

Holds the exposure
04

Tax Impact

Quantifies the realized loss, the offset against gains, and the effect on each client's tax situation, so the adviser weighs a real number, not a guess.

Sizes the benefit
05

Trade Builder

Prepares the sell-and-replace trades within tracking-error tolerance, ready for the adviser to review and approve before anything executes.

Builds the action

Human in the loop

The agent finds and prepares every harvest, but a person approves each trade before it executes. This is the line the SERP itself draws between a suggestion-based tool an adviser controls and an autonomous robo that trades on its own.

Scoped to you

This is a typical tax-loss harvesting build. The exact parts are scoped to how your firm runs: direct-indexing at the position level for some, ETF-based harvesting for others, and each firm's own tax and tracking-error tolerances.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

A harvesting tool that looks good in a demo can still trip a wash-sale rule on a real household. A scoped brief, a named team, and someone accountable at each stage are what make this one safe to run in production.

Sprint

Scope, fixed price

We map the taxable accounts in scope, the replacement logic, and your tracking-error and tax tolerances, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers build the agent inside your environment, wired into the custodial and portfolio data it scans and the trading path it prepares against.

AI Systems Lead
Run

Monitored and improved

The agent adapts as tax rules and holdings change, and we report against the metrics set at scope: accounts scanned, losses harvested, tax alpha captured.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it captures harvesting opportunities all year instead of leaving them on the table the way an annual, manual process does.

Your team

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit.

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How it holds up

Reliable enough to trade real taxable accounts

A harvest that trips a wash-sale rule or drifts the portfolio does more harm than the tax it saved. What makes this one safe to run is the structure around it: the rules it checks, the trades it holds, and the adviser who approves each one.

Reviewed by trajectory

Every harvest shows the math

Each harvest carries the realized loss, the wash-sale check, and the replacement rationale, so an adviser can see why the trade makes sense before approving.

Human in the loop

It suggests, the adviser approves

The agent prepares every harvest but executes nothing on its own. A person approves each trade, keeping the firm on the suggestion-based side.

Tuned over time

It keeps up with the tax rules

As wash-sale interpretations and tax rules change, the agent is kept current, so harvests stay compliant instead of relying on stale assumptions.

Start the build

Capture the tax alpha you leave on the table

A scoping call maps your taxable book and harvesting rules, returns what the agent would scan and prepare, and prices the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What advisers ask about harvesting

What is an AI tax-loss harvesting agent?

It scans every taxable account daily for harvestable losses, screens each against the wash-sale rule, finds a replacement that holds the strategy, and prepares the trade. Tecla builds and operates it inside your environment, so harvesting runs all year instead of once in December, with the adviser approving every trade.

How is it different from a robo-advisor that harvests automatically?

A robo trades on its own; this agent suggests and prepares, then holds for approval. That is the line between an autonomous tool and one an adviser controls. It brings robo-level, daily harvesting to the accounts you manage, without giving up the decision on each trade.

How does it handle the wash-sale rule?

It screens every candidate harvest against the 30-day wash-sale window across the household's accounts, so a loss is never quietly disallowed by a purchase elsewhere. Keeping harvests clean is exactly the kind of check that is easy to miss by hand and easy to automate well.

Does it trade on its own?

No. It prepares each sell-and-replace trade within your tracking-error tolerance and holds it for a person to approve. The agent finds the tax-loss harvesting opportunity; the adviser makes the call before anything executes.

What does Tecla's tax-loss harvesting build cover?

Tecla scopes the build to your firm: direct-indexing at the position level or ETF-based harvesting, your replacement logic, and your tax and tracking-error tolerances. It runs inside your environment on your own data and Tecla operates it.

How much tax alpha can systematic harvesting add?

Long-run research puts systematic harvesting around 1% a year of tax alpha, and Morningstar finds roughly 0.9% separating the best and worst automated approaches per million in taxable assets. Daily scanning captures far more of it than an annual sweep.

How is client data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Custodial and tax data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit. The Sprint maps the taxable accounts, the replacement logic, and your tolerances, so the agent that follows fits how your firm harvests.

We already manage taxes for clients. Where does the agent fit?

It takes the daily scanning and trade preparation off the team, so advisers spend their time on the decisions and the client conversation. Tecla builds and operates it alongside them, capturing losses as they appear rather than at year-end.

How do we get started?

A scoping call maps your taxable book and harvesting rules, returns what the agent would scan and prepare, and prices the fixed-price Sprint to build it. Book a scoping call with Tecla to start.

Have any questions?
Schedule a call to discuss in more detail.
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