Your Portfolio Details
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$250,000
22%
~$47K–$100K
24%
~$100K–$191K
32%
~$191K–$243K
35%
~$243K–$609K
37%
$609K+
Index Funds
ETFs, mutual funds, broad market exposure
~1.5% annual harvest rate
Mixed Portfolio
Index funds + individual stocks
~2.5% annual harvest rate
Individual Stocks
Mostly individual equities
~4% annual harvest rate
Your estimated TLH savings
Annual tax savings
$2,000
per year, automatically
10-year compounded
$27,600
reinvested at 7% avg return
vs. 1% advisor fee
$25,000
what you'd pay over 10 years
On a $250,000 portfolio in the 32% bracket with a mixed strategy, you're leaving ~$2,000/year in tax savings on the table — that's $27,600 over a decade when reinvested.
📊 Where your money goes — you vs. an advisor
✓ Your TLH savings with WealthPilotOS (free)
$2,000/yr
✗ Advisor fees you'd pay (1% AUM)
$2,500/yr
Net advantage of doing it yourself: +$4,500/yr (savings captured + advisor fee avoided)
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How we calculated this
1
Harvest rate by investment style: Index funds typically offer a ~1.5% annual harvest rate (fewer positions, more correlated). Individual stocks reach ~4% (many positions, more divergence). Mixed portfolios average ~2.5%.
2
Annual savings formula: Portfolio × harvest rate × your tax bracket. This is the estimated capital gains tax you can defer each year through systematic loss harvesting.
3
10-year compounded: Annual savings reinvested and compounded at 7% average market return. This is the real wealth impact, not just the year-one tax deferral.
4
Advisor comparison: A typical 1% AUM advisor charges $2,500/yr on a $250K portfolio — often while capturing only a fraction of available TLH. We show you the full cost you can avoid.
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Disclaimer: These are estimates based on industry averages. Actual results vary based on portfolio composition, market conditions, and wash-sale rules. This is not financial or tax advice. Consult a licensed tax professional for your specific situation.