Agent Skills: tax-loss-harvest-scanner

Scans a taxable brokerage account for individual lots with unrealized losses above a configurable threshold, identifies wash-sale risks by checking recent buys and forward planned buys of substantially identical securities (across all household accounts including spousal), and proposes harvest pairs (sell-for-loss + immediate buy of a similar-but-not-identical replacement). Use for year-end tax planning, monthly TLH scans, after market drawdowns, or when user mentions tax-loss harvesting, TLH, wash sale, or harvest candidates.