10/27/2026
What if one of your worst-performing investments could actually help you at tax time?
Sounds strange, right?
Most investors look at a losing stock and see one thing: money lost.
But a financial advisor might see something else.
A potential tax-planning opportunity.
It’s called tax-loss harvesting, and it’s one of the strategies worth reviewing before December 31.
Here’s a simple example:
Imagine you sold an investment this year and made a $10,000 capital gain.
But you also have another investment that’s lost $4,000 in value.
If you sell that investment and realize the loss, you may be able to offset part of your gains.
That means potentially paying capital gains taxes on $6,000 instead of $10,000.
And that’s not all.
✅ Eligible net capital losses may offset up to $3,000 of ordinary income annually ($1,500 if married filing separately).
✅ Unused losses may carry forward into future tax years.
✅ Losses from previous years could already be available to use.
But here’s what many people miss:
Tax-loss harvesting has rules, including the IRS wash-sale rule, which can disallow a loss if substantially identical securities are purchased within 30 days before or after the sale.
And selling an investment solely for a tax deduction isn’t always a good financial decision.
That’s why tax planning and investment planning should work together.
April is for filing. October is for planning.
At Unique Financial Advisors, we help families look beyond tax preparation and build a more coordinated financial strategy.
💚 Follow Unique Financial Advisors for practical insights on investing, taxes, retirement, and wealth management.
📘 Our FREE 2026 Tax Planning & Tax-Loss Harvesting Guide is coming soon! Follow us for the launch.
Tell us: Did you know investment losses could sometimes help reduce your tax bill?
For educational purposes only. Tax outcomes depend on individual circumstances.
