Tax Optimization Tools

Three strategies. Thousands saved.

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

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Tax-Loss Harvesting

Offset gains by strategically realizing losses. Optionality automatically identifies harvest candidates across your entire portfolio.

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 for high earners with employer plans.

2026 Roth space

After-tax capacity $36,250

$32,750 used $69,000 limit

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Asset Location

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

Optimal placement

401k → Bonds, REITs

Roth → Growth stocks, Small cap

Taxable → Index funds, Munis

TAX-LOSS HARVESTING

Find hidden savings in your portfolio.

Ask Optionality AI about tax-loss harvesting opportunities and get a personalized analysis of every position that is underwater. It calculates the exact dollar amount you could save and suggests replacement funds to maintain your 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 most powerful Roth strategy.

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 falls 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.

Keep more of what you earn.