Lower Your Tax Bill with Tax Loss Harvesting
A powerful tax strategy for Raleigh business owners with investments in taxable accounts.
Request ConsultationWhat is it?
Tax Loss Harvesting is a proactive tax planning strategy that involves selling investments at a loss to offset taxable gains from other investments. Business owners in Raleigh with brokerage accounts can use this method to reduce their overall tax liability without disrupting long-term investment goals. The harvested losses can also offset up to $3,000 of ordinary income each year, with excess losses carried forward.
Quick Stats
Who it's for
High-Income W-2 Earners
Earning strong salaries and looking for advanced tax strategies beyond retirement contributions.
Business Owners
Actively building businesses and seeking to reinvest tax savings into growth.
Pre-Retirees (50s–60s)
Looking to optimize the last decade of earnings, reduce taxes, and structure guaranteed income in retirement.
Real Estate Investors
Managing passive income, capital gains, and depreciation — always seeking more efficient structures.
Tech Employees with Equity
Navigating RSUs, stock options, and capital gains — tax timing is everything.
Our Approach
Review Your Investment Portfolio
Identify unrealized losses in taxable accounts.
Strategically Sell at a Loss
Sell underperforming assets to realize the loss.
Reinvest to Stay on Track
Replace with similar but non-identical investments.
Apply Losses at Tax Time
Use losses to offset gains and reduce your taxable income.
What we can do
Capital Gains Tax Analysis
Understand where your gains are — and how to offset them effectively.
- Review of realized and unrealized gains
- Identification of high-impact offset opportunities
- Custom tax impact summary
- Strategic sale timing guidance
- CPA coordination support
Annual Tax Harvesting Plan
Stay tax-efficient year-round with a proactive harvesting plan.
- Yearly calendar of harvesting checkpoints
- Asset-specific harvesting recommendations
- Wash-sale avoidance guide
- Plan integration with financial advisor or CPA
- Summary report for end-of-year tax filing
Investment Review Session
A strategic check-in to align your investments with your tax goals.
- 30-minute strategy session with a Fortress advisor
- Review of portfolio performance and risk
- Tax optimization insights
- Rebalancing recommendations
- Written summary with next steps
Why Fortress?
Fortress Financial Partners simplifies wealth management with a modern Family Office approach integrating investments, taxes, insurance, and estate planning all together under one roof.
Fiduciary Integrity
We operate with honesty, transparency, and ethical responsibility in every decision.
Expertise
Our team brings deep industry knowledge and strategic insights to guide your financial future.
Trust
Building lasting relationships through reliability, consistency, and client-focused service.
Client-First
Your goals drive our strategies, ensuring personalized solutions that align with your needs.
Growth
We focus on long-term financial success, helping you build wealth and security for the future.
More Strategies
FAQs
It reduces your overall tax bill by offsetting capital gains, freeing up more cash for reinvestment or business growth.
Yes, but the strategy is most effective in taxable accounts, not retirement or tax-deferred ones.
End-of-year is common, but quarterly reviews are ideal for maximizing benefits.
It’s highly recommended. Fortress Tax Services coordinates with your advisor or CPA to ensure compliance and strategy alignment.
The IRS prohibits claiming a loss if you repurchase the same or a substantially identical asset within 30 days
Crypto is currently not subject to the wash-sale rule, making it a powerful loss harvesting tool.