Tax Constraint Layer (TCL)
Every recommendation passes through the TCL before delivery. It validates tax implications, detects threshold crossings, and modifies recommendations for optimal tax efficiency.
📤 Input Recommendation
Raw Recommendation:
Sell $150,000 of concentrated tech stock (NVDA) to achieve target allocation of 5% single-position max.
Stated tax impact: ~$30,000
👤 Client Tax Profile
Filing Status:
MFJ
Est. AGI:
$235,000
Marginal Rate:
32%
State Rate:
9.3% (CA)
Proximity to NIIT threshold:
$15,000 headroom
Capital Loss Carryforward:
$12,500
🔒
TCL Evaluation
Click "Run TCL Evaluation" to see results