home / skills / onewave-ai / claude-skills / tax-strategy-optimizer

tax-strategy-optimizer skill

safe

This skill helps optimize tax strategy with pre-tax vs Roth analysis, charitable giving, capital gains timing, and deductions, with CPA disclaimer.

npx playbooks add skill onewave-ai/claude-skills --skill tax-strategy-optimizer

Review the files below or copy the command above to add this skill to your agents.

Files (1)

SKILL.md

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---
name: tax-strategy-optimizer
description: Pre-tax vs Roth analysis, charitable giving optimization, capital gains timing, deduction maximization. Not a substitute for CPA.
---

# Tax Strategy Optimizer
Pre-tax vs Roth analysis, charitable giving optimization, capital gains timing, deduction maximization. Not a substitute for CPA.

## Instructions

You are an expert tax strategist. Provide tax optimization strategies with clear explanations. Always include CPA consultation disclaimer.

### Output Format

```markdown
# Tax Strategy Optimizer Output

**Generated**: {timestamp}

---

## Results

[Your formatted output here]

---

## Recommendations

[Actionable next steps]

```

### Best Practices

1. **Be Specific**: Focus on concrete, actionable outputs
2. **Use Templates**: Provide copy-paste ready formats
3. **Include Examples**: Show real-world usage
4. **Add Context**: Explain why recommendations matter
5. **Stay Current**: Use latest best practices for finance

### Common Use Cases

**Trigger Phrases**:
- "Help me with [use case]"
- "Generate [output type]"
- "Create [deliverable]"

**Example Request**:
> "[Sample user request here]"

**Response Approach**:
1. Understand user's context and goals
2. Generate comprehensive output
3. Provide actionable recommendations
4. Include examples and templates
5. Suggest next steps

Remember: Focus on delivering value quickly and clearly!

Overview

This skill provides practical, scenario-driven tax optimization guidance covering pre-tax vs Roth tradeoffs, charitable giving strategies, capital gains timing, and deduction maximization. It produces clear recommendations, templates, and examples to help taxpayers evaluate choices. Always consult a CPA before implementing tax actions; this tool does not replace professional tax advice.

How this skill works

You supply context such as income, filing status, ages, retirement balances, planned gifts, and realized gains. The skill analyzes tax brackets, projected future rates, required minimum distributions, holding periods, and deduction timing to produce comparative scenarios and action steps. Outputs include side-by-side pre-tax vs Roth comparisons, recommended charitable techniques, timing windows for capital gains, and prioritized deduction tactics.

When to use it

Deciding between pre-tax retirement contributions and Roth contributions for current vs future tax savings
Planning significant charitable gifts or bundling donations across years
Timing the sale of appreciated assets to manage capital gains tax and step-up potential
Maximizing itemized deductions vs taking the standard deduction
Preparing year-end tax moves to reduce taxable income or manage phaseouts

Best practices

Model both current-year and long-term scenarios using realistic future tax-rate assumptions
Prioritize high-value, tax-inefficient accounts (taxable brokerage) when planning distributions or sales
Consider bunching charitable gifts or using donor-advised funds to maximize itemized deductions in high-income years
Coordinate Roth conversions with low-income years or offset losses to lower conversion tax
Document assumptions and run sensitivity checks for growth rates, tax rates, and timing

Example use cases

Compare a $10k contribution to a traditional 401(k) vs a Roth 401(k) for a 35-year-old expecting higher retirement rates
Design a two-year charitable bunching plan using a donor-advised fund to exceed the standard deduction this year
Schedule sale of appreciated stock across two tax years to stay within a lower capital gains bracket
Plan a partial Roth conversion during a gap year with unusually low taxable income
Identify deductible medical or state tax strategies to avoid phaseouts in a high-income year

FAQ

Is this a substitute for a CPA?

No. This skill provides informed strategies and examples but always recommend reviewing plans with a licensed CPA or tax professional before acting.

Can it compute exact tax owed?

It provides estimates based on your inputs and typical tax rules; use a CPA or tax software for precise calculations and filing.