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Tax strategy, not tax filing.

Your CPA files the return. QuantRidge helps you decide what goes on it.

Roth conversion modeling, withdrawal sequencing, tax-lot tracking, and harvesting analysis. QuantRidge surfaces the multi-year tax decisions that get made long before April—then hands your CPA clean numbers to implement.

There is a difference between tax preparation and tax strategy. Preparation is backward-looking: it records what already happened. Strategy is forward-looking—which account to draw from first, whether to convert to Roth this year or next, which lot to sell, when to realize gains. Those decisions are worth far more than the filing itself, and they have to be made before the year closes.

QuantRidge is the strategy layer. It models the multi-year tax consequences of decisions you are making now, so you walk into your CPA conversation with a position rather than a shoebox.

Exports and summaries are formatted for CPA handoff, while harvesting suggestions respect wash-sale rules at a high level. QuantRidge does not file returns or provide tax advice—your CPA implements.

YTD realized

$18,420

2 wash alerts
ST gain
LT gain
Harvest
Wash

Harvest candidate: -$4,200 unrealized

Roth conversion modeling across brackets

Converting traditional balances to Roth means paying tax now to avoid it later. Whether that is worth it depends on your current bracket, expected future bracket, time horizon, and whether conversions push you into IRMAA surcharges. Model conversion amounts year by year and see the lifetime tax difference instead of guessing.

  • Fill-the-bracket conversion scenarios
  • Lifetime tax cost of converting now vs deferring
  • Interaction with future required distributions

Tax

Roth conversion modeling across brackets

Withdrawal sequencing in retirement

The order you draw from taxable, tax-deferred, and Roth accounts can change your lifetime tax bill substantially. Conventional wisdom says taxable first, then tax-deferred, then Roth—but that is often wrong once brackets, Social Security taxation, and required distributions are considered together.

  • Compare withdrawal orders across account types
  • Bracket management year by year
  • Required minimum distribution timing and impact

Tax

Withdrawal sequencing in retirement

Lot-level clarity on every position

FIFO defaults at many brokerages hide the tax impact of specific sales. QuantRidge tracks tax lots, cost basis, holding periods, and realized vs unrealized gains so you understand exactly what a trade will trigger.

  • Per-lot cost basis and holding period detail
  • Short-term vs long-term gain classification
  • YTD realized gains with running estimates

Tax

Lot-level clarity on every position

Harvest losses with intention

Tax-loss harvesting is not just selling losers—it is a timing and replacement strategy subject to wash-sale rules. The platform highlights candidates where harvesting may offset gains, with context on recent purchases that could disqualify a loss.

Tax

Harvest losses with intention

Project before you trade

Model how a proposed sale, contribution, or Roth conversion affects your year-end picture. Scenario views help you coordinate with retirement and cash-flow goals instead of optimizing taxes in isolation.

Tax

Project before you trade

CPA-ready exports

When tax season arrives, summarized gain/loss reports and lot detail reduce back-and-forth with your preparer. QuantRidge is software—not tax advice; work with a qualified professional for filing decisions.

Tax

CPA-ready exports

Capabilities inside QuantRidge

Purpose-built tools for tax—connected to your accounts at app.quantridge.net.

Roth conversion modeling

Test fill-the-bracket conversions and see the lifetime tax difference before you commit.

Withdrawal sequencing

Compare draw orders across taxable, tax-deferred, and Roth to manage lifetime brackets.

Tax lot tracking

See cost basis, acquisition dates, and lot-level unrealized gains across linked accounts.

Wash-sale awareness

Flags recent purchases that may affect loss deductibility when you harvest.

Tax-loss harvesting

Identify positions where realizing losses may offset gains—subject to your overall strategy.

YTD gain/loss summary

Running realized gains with short-term and long-term breakdowns.

Sale impact preview

Estimate tax consequences before executing trades at your brokerage.

CPA-ready exports

Download summaries formatted for tax preparer handoff.

Platform depth

Lot-level engine with harvesting signals

The tax module sits on top of synced holdings and transaction history. Every sale is evaluated against open lots, wash-sale windows, and your YTD realized picture—so tax impact is visible at decision time.

  • Automatic lot matching on synced transactions
  • Harvesting candidates ranked by offset potential
  • Estimated liability views tied to realized activity
  • Export pipelines for year-end reporting

Lot granularity

Per-share basis

Wash-sale window

30-day awareness

YTD realized

$18,420

2 wash alerts
ST gain
LT gain
Harvest
Wash

Harvest candidate: -$4,200 unrealized

How it works in QuantRidge

A practical workflow from setup to insight—designed for self-directed investors.

01

Sync transactions

Linked accounts import buys, sells, dividends, and corporate actions.

02

Review YTD picture

Check realized gains, open unrealized positions, and estimated liability.

03

Plan harvests

Evaluate loss candidates and wash-sale constraints before year-end.

04

Export for filing

Generate summaries for your CPA or tax software.

Common questions

No—and that is the point. QuantRidge is tax strategy software, not tax preparation software. We model the forward-looking decisions (conversions, withdrawal order, which lot to sell, when to realize gains) and produce clean numbers. Your CPA implements and files.

Preparation is backward-looking—it records what already happened and files the return. Strategy is forward-looking: deciding which account to draw from, whether to convert to Roth this year, and which lots to sell. Those decisions must be made before the tax year closes, and they typically matter more to lifetime tax cost than the filing itself.

We flag purchases within the wash-sale window relative to loss sales on the same or substantially identical securities.

Lot detail helps you plan specific identification strategies; execution happens at your brokerage.

No. Harvesting suggestions are informational tools, not individualized tax advice.

Put tax on a stronger footing

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