The Retail Traders & Investors Fix Kit
Built for retail traders and investors.
Most of what leaks out of a brokerage account never shows on the trade screen: a loss disallowed because of a repurchase, a carryover left off the next return, fund and advisory fees taken every year, cash sitting in a low-paying sweep, margin interest, and cost basis that went missing in a transfer. I wrote this kit so you can check each one against your own statements and tax forms. It never tells you what to buy or sell.
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The 7 leaks it covers
3 you can close it · 2 the other side owes it · 2 a pro decides
- Losses disallowed by a wash saleWhere to look first: List every sale at a loss last year.Keep it from coming back: Check the window before every repurchase.A pro decides
- Capital loss carryover left off the next returnWhere to look first: Find last year's return and look for a capital loss carryover.Keep it from coming back: Carry the number forward every year.A pro decides
- Fund and advisory fees never totaledWhere to look first: List every fund you own and its expense ratio from its prospectus or fact sheet.Keep it from coming back: Total your fees every year.You can close it
- Old day-trading limits still shaping your accountWhere to look first: Check whether your margin account is flagged as a pattern day trader, or limited by the old rule.Keep it from coming back: Read every margin notice your broker sends.The other side owes it
- Cost basis missing after a transferWhere to look first: Find every position you moved from another broker.Keep it from coming back: Keep your own basis record for every position.The other side owes it
- Cash sitting in a low-paying sweepWhere to look first: Find the cash balance in each account and how long it has sat there.Keep it from coming back: Check your cash rate every quarter.You can close it
- Margin interest and account fees nobody added upWhere to look first: Pull last year's statements and total the margin interest you paid.Keep it from coming back: Total margin interest every quarter.You can close it
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 7 exactly as it appears in the kit, so you can see what you get before you buy.
Losses disallowed by a wash sale
A pro decides- List every sale at a loss last year.
- Under the federal tax code, a loss is disallowed when you acquire substantially identical stock or securities within a period beginning 30 days before and ending 30 days after the sale (VERIFIED: 26 U.S.C. 1091(a), GovInfo).
- The basis of the new shares is set from the shares sold, adjusted for the price difference (VERIFIED: 26 U.S.C. 1091(d)).
- Check purchases in all your accounts, including retirement accounts, around each loss sale.
- Take the list to a tax preparer before you file.
Your part: Check every loss sale.
Question to a tax preparer: Hi [NAME], I sold [SECURITY] at a loss on [DATE] and bought [SECURITY] on [DATE] in [ACCOUNT]. Can you tell me whether this is a wash sale and how it changes my basis? Thanks, [YOUR NAME]
Check the window before every repurchase.
What this kit can't decide for you: Whether two securities are substantially identical is your tax preparer's call.
That's 1 of 7. The other 6 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When retail traders and investors go looking for answers, they search things like “capital gains tax”, “wash sale rule”, “brokerage fees” and “tax loss harvesting”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 7 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
Losses disallowed by a wash sale: where do I start?
Start here: List every sale at a loss last year. To keep it from coming back: Check the window before every repurchase.
Capital loss carryover left off the next return: where do I start?
Start here: Find last year's return and look for a capital loss carryover. To keep it from coming back: Carry the number forward every year.
Fund and advisory fees never totaled: where do I start?
Start here: List every fund you own and its expense ratio from its prospectus or fact sheet. To keep it from coming back: Total your fees every year.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
13-page PDF · instant download after payment · Code VYR-KIT-TRADERS-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
Next step
- Run your free LeakReceipts check — it reads your own receipts and records and shows where money is leaking out, line by line.
- TrueNET — the whole-picture money truth: what you actually keep after every cost, across everything you earn and spend.
Use Jobber or Housecall Pro? Run the free leak check — it reads your job export in your browser and shows the money leaks the software doesn't flag. Nothing is uploaded.