WashGuard

WashGuard is a web + mobile companion that monitors your brokerage activity and warns you about potential wash sales before you place a trade. Instead of generic tax-loss harvesting tips, it focuses on the most common real-world failure: accidentally repurchasing “substantially identical” exposure across multiple accounts (taxable + IRA), recurring buys, dividend reinvestment, and automated portfolios. Users connect brokerages via read-only aggregation, then set rules (e.g., “never trigger wash sales in taxable,” “allow within 401(k) but flag,” “block DRIP on these tickers”). The app generates a clear, audit-friendly log of loss lots, replacement windows, and suggested alternatives (e.g., ETF pairs) with plain-English explanations. This is not a tax filing product; it’s a prevention and documentation layer that reduces nasty surprises and makes CPA handoff cleaner.