Align Financial Solutions LLC
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Most women I meet aren't using one of the most effective levers built into the tax code — and it's hiding in plain sight in their taxable brokerage account.
It's called tax-loss harvesting. Here's how it works.
Every year, some positions in your taxable brokerage are down — even when the overall market is up. You can sell those losing positions, immediately buy a similar (but not substantially identical) replacement, and bank the tax loss without meaningfully changing your portfolio's exposure.
That loss offsets capital gains elsewhere — a stock you sold for profit, a mutual fund's year-end distribution, a property sale coming up next year. And up to $3,000 of net losses can also offset ordinary income annually. The rest carries forward indefinitely.
Most women miss this lever because:
• Their target-date fund can't do it
• Their 401(k) doesn't allow it
• Only taxable accounts qualify
If your wealth sits mostly in pre-tax retirement accounts, you don't have access to this strategy at all — which is one of the quieter reasons account diversification matters more than most people realize.
Not exotic. Not aggressive. Just a structural optimization the tax code built in, used systematically only by the people who know to look for it.
Watch the video for the full breakdown.
(Educational only. Wash-sale rules apply. Consult your tax advisor before harvesting.)
People ask me whether they should hire a financial advisor. My answer isn’t always yes.
If these three things are true, you probably should.
04/14/2026
One of my clients had $500,000 sitting in a savings account earning less than 0.5%.
She was a senior executive. She understood compound interest. She could tell me exactly what inflation was doing to her money every year. She'd read the articles, listened to the podcasts, and done the research.
She still couldn't move it.
This is the thing most financial advice misses. The gap between knowing what to do with your money and actually doing it isn't a knowledge problem. It's a pattern. And patterns are predictable.
In my latest video, I walk through the four financial behavior patterns I see most in high-earning women — the Protector, the Avoider, the Regulator, and the Sacrificer.
Watch the full episode here: https://www.youtube.com/watch?v=6OThM-Z0ve4&t=307s
📘 Free guide — 7 Things Nobody Teaches Independent Women About Building Wealth → alignfinancialsolutions.com
📞 Ready to talk specifics? Book a free Align Call → https://alignfinancialsolutions.com/book-a-call/
Which of the four patterns do you see in yourself? I read every comment.
Your Financial Plan Won't Work Until You Fix This Your financial plan won't work if the person executing it — you — has a behavior pattern working against it. In this episode, I break down the four financial...
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