TAX OPTIMIZATION

Keep more of what you earn.

Most investors leave money on the table because they do not know what to look for. Optionality AI connects to your accounts, scans every position, and shows you exactly where your tax savings are hiding.

Find your tax savings

No credit card required. Set up in under 2 minutes.

Bank-level encryption Read-only access No credit card

Three strategies, thousands saved.

Optionality AI applies sophisticated tax strategies that were once only available to clients of high-end wealth management firms.

✂

Tax-Loss Harvesting

Offset gains by strategically realizing losses. Optionality automatically identifies harvest candidates across every account you own.

Harvest candidate

TSLA -24.1%

Unrealized loss -$3,840

Potential tax savings $920

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Mega Backdoor Roth

Put up to $69,000+ into Roth accounts in 2026. The most powerful wealth-building strategy available to high earners with qualifying employer plans.

2026 Roth space

After-tax capacity $36,250

$32,750 used $69,000 limit

📋

Asset Location

Place investments in the right account type. Tax-inefficient assets in tax-advantaged accounts, growth assets in Roth accounts.

Optimal placement

401k → Bonds, REITs

Roth → Growth stocks, Small cap

Taxable → Index funds, Munis

TAX-LOSS HARVESTING

Turn losses into tax savings.

Ask Optionality AI about tax-loss harvesting and get a position-by-position breakdown of every opportunity. It calculates the exact dollar amount you could save and suggests replacement funds to maintain market exposure.

Works across all your connected accounts. Respects wash sale rules automatically.

Optionality AI

Tax analysis

Do I have any tax-loss harvesting opportunities?

I found 3 positions with unrealized losses across your accounts. Here are the harvest candidates that could offset your $12,400 in realized gains this year:

TSLA Bought at $248, now $188 -$3,840

ARKK Bought at $52, now $38 -$2,100

PYPL Bought at $78, now $64 -$1,680

✓ Total harvestable losses: $7,620. At your 24% marginal rate, that is $1,829 in estimated tax savings. You can replace ARKK with VGT to maintain tech exposure without triggering a wash sale.

MEGA BACKDOOR ROTH

Unlock the Mega Backdoor Roth.

Optionality AI checks your employer plan rules and calculates exactly how much after-tax space you have. It walks you through every step, from contribution setup to in-plan conversion, so nothing slips through the cracks.

Supports Fidelity, Schwab, Vanguard, and all major 401k providers.

Optionality AI

Retirement planning

Can I do a mega backdoor Roth with my employer plan?

Yes, your Fidelity 401k plan supports after-tax contributions with in-plan Roth conversions. Here is your 2026 breakdown:

Your pre-tax/Roth contribution $23,000

Employer match (6.5%) $9,750

After-tax space (mega backdoor) $36,250

Set up automatic after-tax contributions at 15% of each paycheck, then enable daily in-plan Roth conversions through Fidelity NetBenefits. This minimizes taxable gains on the conversion.

✓ Total Roth contribution potential: $59,250/year. Over 20 years at 8% returns, that is an extra $1.2M growing completely tax-free.

Why not just ask your CPA?

Your CPA looks backward

They file your return after the fact. Optionality looks forward and optimizes what you have not yet spent.

Tax software misses opportunities

TurboTax does not know about your RSU vesting schedule or unrealized losses sitting across multiple brokerages.

Generic AI guesses your bracket

Optionality knows your exact income, filing status, and state. No hallucinated numbers.

Advisors charge 1% AUM

That is $10K/yr on a $1M portfolio. Optionality finds the same optimizations at a fraction of what an advisor charges.

Frequently asked questions.

Is my financial data safe?

Yes. Optionality uses 256-bit AES encryption and connects to your accounts through Plaid and SnapTrade with read-only access. We never have your login credentials and can never move money or trade on your behalf.

What does the free tier include?

The free tier includes AI conversations, net worth tracking, and basic analysis. Premium unlocks unlimited AI conversations, tax optimization, and scenario modeling.

How long does setup take?

Under 2 minutes. Connect your brokerage, bank, or retirement accounts and Optionality starts analyzing immediately.

Does it work outside the US?

Yes. Optionality supports users in 30+ countries with multi-currency tracking and expat tax support.

Is this tax advice?

No. Optionality provides tax-related analysis and education. Always consult a qualified tax professional before making tax decisions.