How Retirees Can Use Tax-Loss Harvesting to Offset Capital Gains

Episode 100 of Retirement Planning with Fexingo explores a powerful but often overlooked strategy for retirees with taxable brokerage accounts: tax-loss harvesting. Lucas and Luna break down how selling losing investments before year-end can offset realized capital gains from rebalancing or selling winners, using a concrete example of a retiree with a $50,000 gain from selling Apple stock and a $30,000 loss in a beaten-down energy ETF. They walk through the wash-sale rule, how to avoid it, and the net tax savings—potentially thousands of dollars. The hosts also discuss how the strategy works in a typical year like 2026, with markets volatile enough to create opportunities. Perfect for retirees who are actively managing their portfolios and want to minimize tax drag. No prior episode has covered tax-loss harvesting specifically for retirees, making this a fresh angle for the 100th episode. #TaxLossHarvesting #RetirementPlanning #CapitalGains #WashSaleRule #TaxStrategy #RetireeTaxes #BrokerageAccount #Finance #Investing #TaxEfficient #PortfolioManagement #LucasAndLuna #FexingoBusiness #BusinessPodcast #Retirement #FinancialPlanning #WealthManagement #TaxTips Keep every episode free: buymeacoffee.com/fexingo