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Rhetra TaxGuard

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Silent tax advisor that checks every trade for wash sales, PDT triggers, and optimization, logs results, and delivers a daily tax risk and opportunity report.

Install

openclaw skills install rhetra-taxguard

Rhetra TaxGuard

Your trading bot's tax advisor. Silently monitors every trade for tax pitfalls and optimization opportunities. Delivers a daily report. Works with Alpaca, Crypto.com, Bitget, Polymarket — any trading MCP.

Rules

  • BEFORE executing ANY trade order on ANY connected exchange or MCP, you MUST call the TaxGuard check using check-trade.js. Do this SILENTLY — do not show the results to the trader unless Guardian Mode blocks the trade.
  • Log every TaxGuard response locally. Accumulate disclosures throughout the day.
  • DO NOT interrupt the trader with disclosures on individual trades. Let them trade in peace.
  • At the end of each trading day (market close or last trade + 30 min of inactivity), compile and present a daily summary.
  • If the trader asks for a report at any time, compile and present immediately.
  • Guardian Mode is the ONLY exception — if the trader opted into blocking specific risks and that risk triggers, show the warning and ask for confirmation BEFORE the trade executes.
  • If TaxGuard is unreachable, proceed with the trade silently. Note the gap in the daily report.

Daily Report Format

At end of day, present:

═══ TAXGUARD DAILY REPORT ═══

Trades today: 12
Checks run: 12 (all passed)

⚠️  WASH SALE FLAGS (2):
  • Bought NVDA — wash sale triggered. $420 loss disallowed. 
    Sold NVDA at loss on Mar 15. 30-day window ends Apr 14.
  • Bought TSLA — wash sale triggered. $1,200 loss disallowed.
    Sold TSLA at loss on Mar 18. 30-day window ends Apr 17.

💡 OPTIMIZATION OPPORTUNITIES (1):
  • AAPL: Selling now = short-term (37% tax). Hold 14 more 
    days = long-term (15-20%). Potential savings: $510.

📊 TAX SUMMARY:
  • Realized gains today: $2,400
  • Realized losses today: $0
  • YTD gains: $47,400 | YTD losses: $5,200
  • Estimated tax owed: $11,850
  • Q1 estimated payment due: Apr 15
  • Wash sale losses disallowed today: $1,620

🛡️ GUARDIAN MODE: Wash sale blocking ON | PDT blocking OFF

═══════════════════════════════

Setup

On first use:

  1. Ask: "Enter your Rhetra TaxGuard API key (get one free at rhetra.io/trading):"
  2. Save the key for all future calls.
  3. Ask: "How do you want TaxGuard to work?"
    • Silent Monitor (default): Checks every trade silently. Daily report at end of day. Never interrupts.
    • Guardian Mode: Same daily report, but also blocks specific risks before they happen:
      • Block wash sales (prevents repurchasing within 30-day loss window)
      • Block PDT triggers (prevents 4th day trade when equity < $25K)
      • Block short-term sells (prevents selling when long-term rate is days away)
  4. Run a test check to verify the key works.

If no key: "Sign up free at rhetra.io/trading — first 10 checks are free, then $0.01 per trade."

How to call TaxGuard

Before every trade, gather context from the connected trading MCP and call SILENTLY:

node check-trade.js \
  --key "YOUR_API_KEY" \
  --action "BUY 50 NVDA at market" \
  --ticker "NVDA" \
  --equity 18500 \
  --day-trades 3 \
  --exchange "alpaca" \
  --recent-sales '[{"ticker":"NVDA","date":"2026-03-15","type":"SELL","gainLoss":-420}]' \
  --positions '[{"ticker":"NVDA","acquiredDate":"2026-01-10","quantity":100,"costBasis":12000,"currentValue":13500}]' \
  --annual-gains 45000 \
  --harvested-losses 5200 \
  --total-trades 340 \
  --magi 180000

Store the response. Do NOT show it to the trader. Add it to the daily report accumulator.

Exception: if Guardian Mode flags fire and the outcome is BLOCKED, show the warning and ask "Proceed anyway?" before executing.

Context fields

Required:

  • --key — Rhetra API key
  • --action — what the trade is

Recommended:

  • --ticker — symbol being traded
  • --equity — current account equity
  • --day-trades — day trades this week
  • --exchange — platform (alpaca, crypto.com, bitget, polymarket)
  • --recent-sales — JSON array: sales in last 35 days
  • --positions — JSON array: current holdings

Tax context (unlocks advanced disclosures):

  • --annual-gains — total realized gains this year
  • --annual-losses — total realized losses this year
  • --harvested-losses — total harvested losses this year
  • --total-trades — total trade count this year
  • --magi — estimated MAGI
  • --filing-status — single, married_joint, married_separate, head_of_household
  • --cost-basis — method (FIFO, LIFO, SPECIFIC_LOT, AVG_COST)

What TaxGuard catches

High Priority (flagged prominently in daily report):

  • Wash sale violations (30-day window, disallowed loss amounts)
  • Pattern Day Trader triggers (4th+ day trade under $25K equity)
  • Holding period optimization (days to long-term rate, dollar savings)
  • Short-term gain tax impact (exact tax comparison)
  • Year-end tax-loss harvesting windows (November/December)

Medium Priority (included in daily report):

  • Tax-loss harvesting opportunities
  • Net Investment Income Tax (3.8% surtax threshold)
  • Capital loss deduction limit ($3K cap, carryforward amount)
  • Section 475(f) Trader Tax Status awareness (200+ trades/year)
  • Estimated tax payment reminders (quarterly deadlines)
  • Cost basis method optimization (specific lot ID savings)
  • Year-end gain deferral opportunities

Informational (noted in report):

  • Crypto taxable event reminders
  • Long-term capital gains confirmations
  • PDT status notices

Trader commands

  • "Show my report" — compile and present current day's findings immediately
  • "Show my tax summary" — YTD gains, losses, estimated tax, wash sales
  • "What wash sales do I have?" — open wash sale windows with dates
  • "Export tax report" — full CSV for accountant
  • "Turn on guardian mode for wash sales" — enable blocking mid-session
  • "Turn off guardian mode" — disable all blocking

Pricing

  • First 10 checks/month: FREE
  • After free tier: $0.01 per check
  • End-of-year tax report: $29-99

Strategy Assessment

During setup OR at any time, the trader can ask: "Assess my strategy" or "Review my trading plan."

Gather their strategy details and call:

curl -s -X POST "https://api.rhetra.io/api/assess-strategy" \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer API_KEY" \
  -d '{
    "strategy": "Day trading NVDA, TSLA, AMD. Momentum plays.",
    "accountEquity": 18500,
    "annualIncome": 95000,
    "filingStatus": "single",
    "exchange": "alpaca",
    "tickers": ["NVDA", "TSLA", "AMD"],
    "tradesPerDay": 15,
    "holdingPeriod": "5 minutes to 2 hours"
  }'

Present the findings organized by severity. For each finding, show:

  1. The risk name and severity
  2. The problem in plain English
  3. ALL solutions — numbered, actionable

After the assessment, ask: "Want me to set up Guardian Mode based on these findings?" and configure blocking for any HIGH severity risks the trader wants protected.