TaxLotPilot

TaxLotPilot is a web + mobile app that helps individual investors reduce taxes by optimizing what to sell, when to sell, and where to hold assets across taxable brokerage, IRA, and Roth accounts. Users connect brokerages, then the app analyzes tax lots, wash-sale risk, capital gains brackets, and contribution limits to produce a clear “next best actions” checklist (e.g., harvest $3,000 losses, avoid selling lots that trigger short-term gains, shift dividends to tax-advantaged accounts). It also generates a simple, exportable tax packet: realized gains summary, lot-level audit trail, and CPA-ready notes. This is not a robo-advisor; it doesn’t manage money. It’s a decision and documentation layer that sits on top of existing brokerages, focused on minimizing avoidable tax drag while keeping the user’s target allocation intact.