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Tax optimizer

Harvest losses
lot by lot, on purpose.

Tax-loss harvesting done at the position level leaves money on the table and walks into wash sales. Meridian works lot by lot, estimates the tax actually saved, and hands you a plan you can take to your accountant.

How it works

From raw lots to a defensible plan.

Lot-level view

Every tax lot with its purchase date, basis, unrealised gain or loss and holding period.

Harvest candidates ranked

Losses sorted by estimated tax saved, not just by size, using your own marginal rates.

Short vs long term

See which lots cross the long-term threshold soon, so you don't harvest a day too early.

Wash-sale warnings

Recent and planned purchases of the same or substantially identical security are flagged before you act.

A written action plan

AI turns the candidate list into a short plan naming the highest-impact lots and the risks.

Share with your accountant

Invite your CPA with scoped access so they review the same lots you're looking at.

Sequence
  1. Step 1
    Import

    Bring in statements or holdings; lots are built from purchase history.

  2. Step 2
    Scan

    Unrealised losses are matched against gains already realised this year.

  3. Step 3
    Check

    Wash-sale exposure and holding-period cliffs are flagged per lot.

  4. Step 4
    Act

    Take the written plan to your accountant, then record the trades.

Meridian does not give tax or legal advice. Every plan ends the same way: confirm with your tax advisor before acting.

Find the losses worth taking.

Run the optimizer on your own book during the 14-day trial.