Real ChatGPT answer · index seedFd355kxdy1IcompleteFinance and banking · investing and brokeragescommercial
How do modern robo advisors handle tax loss harvesting across taxable accounts without triggering complex wash sale rules with my spouse's IRA?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do modern robo advisors handle tax loss harvesting across taxable accounts without triggering complex wash sale rules with my spouse's IRA?
3 real searches · 1 real-search pass
IRS wash sale spouse IRA Revenue Ruling 2008-5 substantially identical stock IRA loss disallowed basisGoogle ↗
OBSERVEDReason
IRS Publication 550 wash sales spouse account 30 days before afterGoogle ↗
OBSERVEDConsequence
robo advisor tax loss harvesting wash sale outside accounts spouse IRA restrictions Betterment WealthfrontGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS wash sale spouse IRA Revenue Ruling 2008-5 substantially identical stock IRA loss disallowed basis Google ↗
IRS Publication 550 wash sales spouse account 30 days before after Google ↗
robo advisor tax loss harvesting wash sale outside accounts spouse IRA restrictions Betterment Wealthfront Google ↗
- Publication 550 · irs.gov
- How do I turn on tax-loss harvesting? · betterment.com
- Disclosure for Betterment's Tax Loss Harvesting+ · betterment.com
- Betterment's tax-loss harvesting methodology · betterment.com
- Wealthfront Tax-Loss Harvesting · research.wealthfront.com
- Automated Tax-Loss Harvesting · wealthfront.com
- RAM Brochure · cdn.robinhood.com
- Robinhood website · robinhood.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS wash sale spouse IRA Revenue Ruling 2008-5 substantially identical stock IRA loss disallowed basis OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS Publication 550 wash sales spouse account 30 days before after OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
robo advisor tax loss harvesting wash sale outside accounts spouse IRA restrictions Betterment Wealthfront OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |