Tax Efficiency

This handles the full spectrum of tax optimization for investment portfolios, from asset location (bonds in IRAs, equities in taxable) to tax-loss harvesting, Roth conversions, and withdrawal sequencing in retirement. It covers wash-sale rules, RMD planning, and charitable giving strategies with appreciated securities. The worked examples show real dollar impacts, like saving $3,250 annually through optimal asset placement across account types. Honestly, the depth here is impressive. It bridges accumulation and distribution phases with actual formulas and breakeven analysis, not just vague advice. If someone asks about HIFO vs FIFO, bracket stuffing, or which account should hold REITs, this gives them computational answers with tax code specifics.

skills.sh installs: 724
GitHub stars: 224
last updated: Aug 21, 2026

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Install

$ npx -y skills add joellewis/finance_skills --skill tax-efficiency --agent claude-code

Installs into .claude/skills of the current project.

Files

Tax-Efficient Investing

Core Concepts

Asset Location

Place tax-inefficient assets in tax-advantaged accounts and tax-efficient assets in taxable accounts:

Tax-deferred accounts (Traditional IRA, 401k): Bonds, REITs, high-turnover funds, TIPS — assets generating ordinary income
Tax-exempt accounts (Roth IRA, Roth 401k): Highest expected growth assets — all growth is permanently tax-free
Taxable accounts: Index equity funds (low turnover, qualified dividends, tax-loss harvesting eligible), municipal bonds, tax-managed funds

The benefit of asset location increases with the spread between ordinary income tax rates and capital gains rates, and with the size of the tax-advantaged accounts relative to total portfolio.