I suggest you take inspiration from your competitor's documentation on the topic. The only potential upside for me is the benefit of tax-loss-harvesting, since

I suggest you take inspiration from your competitor's documentation on the topic. The only potential upside for me is the benefit of tax-loss-harvesting, since I do my own investing and stay in standard ETF index funds. I thought TLH was only relevant for the $3K limit for income deductions, but after reading Frec's great pages [1] [2], I see that it makes a lot of sense when you have a large capital gain in your future like a house or a diversifying stock sale that you want to accumulate losses for. They also answer a number of topics mentioned in the comments here and others not mentioned. There's a good chance I will end up investing with you, but only with new income. It's not worth liquidating my current capital gains! I can also ensure I don't have cross-account wash sales by keeping my other assets strictly in ETFs or just don't sell anything. I too hope that you will last long enough to make money in the other ways you are planning. Good luck! [1] https://frec.com/tax-loss-harvesting https://frec.com/tax-loss-harvesting [2] https://frec.com/resources/blog/direct-indexing-handbook https://frec.com/resources/blog/direct-indexing-handbook