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tax-optimization

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Works through the legal tax-reduction sequence - tax-advantaged account priority, standard-vs-itemized decision math, tax-loss harvesting, income timing, and Roth-vs-traditional rules - and produces a personal tax checklist. Use when someone asks "how do I pay less in taxes", "should I itemize", "Roth or traditional", "what is tax-loss harvesting", or is doing year-end planning or reviewing withholding. Do NOT use for the broader ordering of savings and debt priorities - use financial-planner instead; for investing fundamentals beyond account tax treatment - use investment-basics; for projecting retirement account balances - use retirement-projection.

skills/tax-optimization/SKILL.md

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Oct 13, 2026
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MIT

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# Tax Optimization

Tax optimization is not aggressive schemes - it is using every legal mechanism already built into the tax code, in the right order. Most people leave significant money on the table not through bad decisions but through unmade ones: an uncaptured employer match, a default standard deduction never compared against real itemizable expenses, losses in a brokerage account never harvested. Work the sequence; skip nothing silently.

## Operating procedure

### Step 1: Gather inputs

Label uncertain figures as guesses; the user's latest return and pay stub resolve most of them.

1. Filing status and approximate gross income (which sets the marginal bracket).
2. Access to employer retirement plans and the match formula; current contribution rate.
3. Eligibility for a health savings account (enrollment in a qualifying high-deductible health plan).
4. Potential itemizable expenses: mortgage interest, state and local taxes, charitable contributions, large medical expenses.
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