wealth tax derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {
      "filing_status": "single"
    }
  },
  "output": {
    "type": "json",
    "example": {
      "disclaimer": "For informational purposes only. Not tax advice. Consult a CPA or tax advisor before making material changes, especially for Roth conversions and tax-loss harvesting strategies.",
      "amazon_link": "https://www.amazon.com/s?k=tax+optimization+strategies&tag=pulsenetwork7-20",
      "amazon_search": "tax optimization strategies",
      "biggest_wins_summary": [
        "Max 401(k) contribution",
        "Harvest losses before December 31",
        "Fund HSA if eligible"
      ],
      "estimated_tax_bracket": {
        "note": "Income of $145,000 falls in the 24% federal bracket for 2026",
        "filing_status": "single",
        "federal_marginal_rate": "24%"
      },
      "year_end_deadline_moves": [
        {
          "applies": true,
          "deadline": "December 31",
          "priority": "high",
          "strategy": "Max out 401(k)",
          "description": "Contribute up to the $23,500 limit before December 31",
          "estimated_savings": "~$5,640 in federal tax"
        },
        {
          "applies": true,
          "deadline": "December 31",
          "priority": "medium",
          "strategy": "Tax-loss harvesting",
          "description": "Sell losing positions to offset capital gains",
          "estimated_savings": "varies by portfolio"
        }
      ],
      "roth_conversion_opportunity": {
        "reasoning": "Room remains before the next bracket",
        "applicable": true,
        "bracket_ceiling": "~$45,000 more before hitting 32%"
      }
    }
  }
}