2026-1004
Rebalance
A position over 8%, trimmed in two steps
Clause 2.4 caps any single position at 8% of net worth. The AI drafted the sale in two tax years.
Date
Time
09:36 ET
Account
Trust
Amount
−$96,400
Status
Signed
Checks passed
Wash-sale clear · Band rule · Liquidity floor · Tax bracket · Position cap · Trading window · Cost vs benefit
Signed by
Samuel Ortega
CFP®
A single company’s shares had grown to 8.6% of the household’s net worth, above the 8% limit in clause 2.4 of their policy. Most of the position sat in the revocable trust, with a large unrealised gain.
The AI drafted a sale in two steps: $96,400 now, inside the 15% long-term rate, and the rest in January, when the household’s income drops. Samuel checked the vesting calendar, confirmed that no trading window was closed, and signed the first step.
After the trade the position stood at 6.9%. The second step is already drafted for 6 January and will wait for a signature like any other move.