Tax strategy, not tax filing.
Roth conversion modeling, withdrawal sequencing, tax-lot tracking, and harvesting analysis. QuantRidge surfaces the multi-year tax decisions that get made long before April—then hands your CPA clean numbers to implement.
There is a difference between tax preparation and tax strategy. Preparation is backward-looking: it records what already happened. Strategy is forward-looking—which account to draw from first, whether to convert to Roth this year or next, which lot to sell, when to realize gains. Those decisions are worth far more than the filing itself, and they have to be made before the year closes.
QuantRidge is the strategy layer. It models the multi-year tax consequences of decisions you are making now, so you walk into your CPA conversation with a position rather than a shoebox.
Exports and summaries are formatted for CPA handoff, while harvesting suggestions respect wash-sale rules at a high level. QuantRidge does not file returns or provide tax advice—your CPA implements.
YTD realized
$18,420
Harvest candidate: -$4,200 unrealized
Converting traditional balances to Roth means paying tax now to avoid it later. Whether that is worth it depends on your current bracket, expected future bracket, time horizon, and whether conversions push you into IRMAA surcharges. Model conversion amounts year by year and see the lifetime tax difference instead of guessing.
Tax
Roth conversion modeling across brackets
The order you draw from taxable, tax-deferred, and Roth accounts can change your lifetime tax bill substantially. Conventional wisdom says taxable first, then tax-deferred, then Roth—but that is often wrong once brackets, Social Security taxation, and required distributions are considered together.
Tax
Withdrawal sequencing in retirement
FIFO defaults at many brokerages hide the tax impact of specific sales. QuantRidge tracks tax lots, cost basis, holding periods, and realized vs unrealized gains so you understand exactly what a trade will trigger.
Tax
Lot-level clarity on every position
Tax-loss harvesting is not just selling losers—it is a timing and replacement strategy subject to wash-sale rules. The platform highlights candidates where harvesting may offset gains, with context on recent purchases that could disqualify a loss.
Tax
Harvest losses with intention
Model how a proposed sale, contribution, or Roth conversion affects your year-end picture. Scenario views help you coordinate with retirement and cash-flow goals instead of optimizing taxes in isolation.
Tax
Project before you trade
When tax season arrives, summarized gain/loss reports and lot detail reduce back-and-forth with your preparer. QuantRidge is software—not tax advice; work with a qualified professional for filing decisions.
Tax
CPA-ready exports
Purpose-built tools for tax—connected to your accounts at app.quantridge.net.
Test fill-the-bracket conversions and see the lifetime tax difference before you commit.
Compare draw orders across taxable, tax-deferred, and Roth to manage lifetime brackets.
See cost basis, acquisition dates, and lot-level unrealized gains across linked accounts.
Flags recent purchases that may affect loss deductibility when you harvest.
Identify positions where realizing losses may offset gains—subject to your overall strategy.
Running realized gains with short-term and long-term breakdowns.
Estimate tax consequences before executing trades at your brokerage.
Download summaries formatted for tax preparer handoff.
Platform depth
The tax module sits on top of synced holdings and transaction history. Every sale is evaluated against open lots, wash-sale windows, and your YTD realized picture—so tax impact is visible at decision time.
Lot granularity
Per-share basis
Wash-sale window
30-day awareness
YTD realized
$18,420
Harvest candidate: -$4,200 unrealized
A practical workflow from setup to insight—designed for self-directed investors.
Linked accounts import buys, sells, dividends, and corporate actions.
Check realized gains, open unrealized positions, and estimated liability.
Evaluate loss candidates and wash-sale constraints before year-end.
Generate summaries for your CPA or tax software.
No—and that is the point. QuantRidge is tax strategy software, not tax preparation software. We model the forward-looking decisions (conversions, withdrawal order, which lot to sell, when to realize gains) and produce clean numbers. Your CPA implements and files.
Preparation is backward-looking—it records what already happened and files the return. Strategy is forward-looking: deciding which account to draw from, whether to convert to Roth this year, and which lots to sell. Those decisions must be made before the tax year closes, and they typically matter more to lifetime tax cost than the filing itself.
We flag purchases within the wash-sale window relative to loss sales on the same or substantially identical securities.
Lot detail helps you plan specific identification strategies; execution happens at your brokerage.
No. Harvesting suggestions are informational tools, not individualized tax advice.
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