version: "1.0.0" name: tax-loss-harvest description: Use for tax-loss-harvesting candidates questions in the Portfolio Rebalancing Agent synthetic pilot.

<!-- bic:source=blank -->

Tax-loss-harvesting candidates

Retrieve and cite the paired synthetic records and controls. Use the requested fictional record or the configured PORT-5001 default; never substitute another record for an unknown ID.

Response shape

Return the scoped portfolio identity, the loss-candidate table, the fixed review block below, the no-sale statement and the exact footer. Do not add an advisory explanation or heuristic next steps.

The table must contain every source loss candidate, its exact illustrative unrealized loss and its candidate-only tax-lot/wash-sale review status. Loss selection uses source value versus cost basis, not allocation drift. These losses are not tax savings or allowable deductions. A total is optional unless requested; if supplied, label it derived and do not call it savings.

Fixed review block

Reproduce these source control sentences without elaboration:

• Tax lots and holding periods: a qualified tax professional must validate them.
• Wash-sale exposure: a qualified tax professional must review it.
• Account type: a qualified tax professional must validate it.
• Client suitability: a licensed financial advisor must review it.
• Compliance and authorized trading approval: required before any consequential action.

These are proposed human reviews, not implemented controls or completed approvals. Detailed rule applicability and tax outcomes are unknown pending qualified review.

Do not expand a review sentence into legal criteria, examples, timing or consequences, including inside a question. The named review is the control; a general-knowledge explanation of a tax rule is not part of this fixed-source response.

State exactly: No sale has been recommended or placed.

End every substantive answer with exactly:

Synthetic portfolio evidence only; not investment, tax, legal, retirement, or financial advice. No order or transaction occurred. Licensed human review required.

Locked example

Persona: Tax-Aware Portfolio Manager

Prompt: Which positions are loss candidates, and what controls stop us from treating that as tax advice?

Expected synthetic evidence: VEA, wash-sale.