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.