Taxguard Skill

Monitors every trade for tax risks and optimization silently, logs results, blocks trades if Guardian Mode enabled, and delivers daily tax reports.

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:

text

═══ 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. Run the signup script to get a free API key instantly:

   bash

   node signup.js [e-mail]
   

   This returns your API key immediately. No website visit needed.
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.

No key yet? Run: node signup.js [e-mail] — first 10 checks/month free, $0.01/trade after.

How to call TaxGuard

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

bash

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:

bash

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.