--- title: How does tax loss harvesting work for 4Thought’s portfolios? description: "For taxable accounts, the use of tax loss harvesting to attempt to minimize tax liabilities without hampering returns can be done in two ways through 4Thought: Intra-account harvesting and Inter-account harvesting." image: https://www.4tfg.com/hubfs/4Thought-How-does-tqaz-loss-harvesting-work.jpg --- [![4thought_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources ## 4Thought Investing Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [FAQs](https://www.4tfg.com/faq) , [Financial Planning](https://www.4tfg.com/faq/topic/financial-planning) , [Wealth Management](https://www.4tfg.com/faq/topic/wealth-management) , [Accounts and Clients](https://www.4tfg.com/faq/topic/accounts-and-clients) # How does tax loss harvesting work for 4Thought’s portfolios? For taxable accounts, the use of tax loss harvesting to attempt to minimize tax liabilities without hampering returns can be done in two ways through 4Thought: Intra-account harvesting and Inter-account harvesting. Intra-account harvesting is performed automatically within our “Traditional” series of portfolios, which are most often recommended for investors that are either taking systematic withdrawals from their account or are still in the pre-retirement growth mode but are not making systematic investments into their account. Inter-account tax loss harvesting is possible through consultation with our advisory team, and involves moving assets from one account/strategy to another or changing the strategy in an existing account. ## Was this article helpful to you? ### Subscribe to our newsletter for free tips and articles to help you lead a smarter financial life. ### Related Questions [![Financial Planning Idea for the Day: Micro vs. Macro: Draft a Plan Before Moving Forward](https://www.4tfg.com/hubfs/Blog/4Thought-Blog_Micro-vs-Macro.jpg)](https://www.4tfg.com/faq/micro-macro-draft-financial-plan) [![Financial Planning Idea for the Day: Am I Paying High Investment Fees?](https://www.4tfg.com/hubfs/Blog/4Thought-Blog-Am-I-Paying-High-Fees.jpg)](https://www.4tfg.com/faq/why-am-i-paying-high-investment-fees) [![Financial Planning Idea for the Day: Turn Life Insurance Into an Annuity For Income](https://www.4tfg.com/hubfs/Blog/4Thought-Blog_Life-Insurance-Into-an-Annuity-For-Income.jpg)](https://www.4tfg.com/faq/life-insurance-into-an-annuity-for-income) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Other Questions [--- ![Bear-Bull-Wolf-Eagle-Market-Icons](https://www.4tfg.com/hs-fs/hubfs/Bear-Bull-Wolf-Eagle-Market-Icons.png?width=600&name=Bear-Bull-Wolf-Eagle-Market-Icons.png)](https://www.4tfg.com/bear-bull-wolf-eagle-markets) - [Call 1-516-300-1617](tel:+15163001617) - [Email info@4tfg.com](mailto:info@4tfg.com) - ABOUT 4THOUGHT [Investment Philosophy](https://www.4tfg.com/investment-methodology) [Management Team](https://www.4tfg.com/management) [In the Media](https://www.4tfg.com/media) [Sign Up](https://www.4tfg.com/sign-up)[Contact](https://www.4tfg.com/contact) SERVICES [Private Individual Investing](https://www.4tfg.com/investing) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) [Services for CPAs](https://www.4tfg.com/cpa-investing-services) [Private Wealth Management](https://www.4tfg.com/wealth-management) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) RESOURCES [Financial News](https://www.4tfg.com/resources) [Investment Performance](https://www.4tfg.com/performance-requests) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) About 4Thought [Investment Philosophy](https://www.4tfg.com/investment-methodology) [Management Team](https://www.4tfg.com/management) [In the Media](https://www.4tfg.com/media)[Contact](https://www.4tfg.com/contact) Services [Private Individual Investing](https://www.4tfg.com/investing) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) [Services for CPAs](https://www.4tfg.com/cpa-investing-services) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) [Private Wealth Management](https://www.4tfg.com/wealth-management) Resources [Financial News](https://www.4tfg.com/resources/) [Investment Performance](https://www.4tfg.com/investment-performance-services) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) [Investing Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png "4Thought Financial Group") The information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice. © 2026 4Thought Financial Group Inc. 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Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. 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The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "For taxable accounts, the use of tax loss harvesting to attempt to minimize tax liabilities without hampering returns can be done in two ways through 4Thought: Intra-account harvesting and Inter-account harvesting.", "email" : "[GDelorenzo@ClearHorizonGroup.Com, info@4tfg.com, no-reply@4tfg.com]", "image" : "https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg", "logo" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png", "naics" : "523920", "name" : "4Thought Financial Group", "sameAs" : [ "https://www.facebook.com/4ThoughtFinancialGroup", "https://www.linkedin.com/company/3043702", "https://www.youtube.com/channel/UCEHRK-25mAwfTlNzdvFSN3g", "http://investment-advisors.credio.com/l/39493/4thought-Financial-Group-Inc" ], "telephone" : "516-300-1617", "url" : "http://www.4tfg.com" } ```