Married Couples Can Realize $94,050 in Capital Gains Tax-Free

The 0% long-term capital gains bracket creates a powerful annual harvesting opportunity

The Details

Unlike tax-loss harvesting, gain harvesting has no wash sale restrictions — you can sell and immediately repurchase the same investment to reset your basis higher while paying zero tax.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.