Cost Basis Methods: FIFO, Spec ID, and Average Basis Explained
Understand how FIFO, Specific Identification (Spec ID), and Average Basis determine capital gains on stock and ETF sales, plus IRS rules and tax lot strategies.
capital gains tax
SBLOC Explained: How Borrowing Against Your Stocks Works
Learn how a Securities-Backed Line of Credit (SBLOC) works, how it differs from margin, non-purpose rules under Reg U, maintenance calls, and tax realities.
Capital Gains Tax on Stocks: Short-Term vs. Long-Term Rules
Understand how stock capital gains are taxed, the one-year holding period rule, IRS Schedule D netting, and the $3,000 annual loss offset limit.
Tax-Loss Harvesting and the Wash Sale Rule Explained
How tax-loss harvesting works, the 61-day wash sale window, and what counts as ‘substantially identical’ under the 2026 capital gains brackets.