Tidemark Financial Partners

Capital Gains & State Tax Planner

Advisor workspace for importing client portfolios by CSV, maintaining multiple client analyses, estimating federal and 50-state capital-gains tax, and solving for the maximum gain that fits each client’s tax budget.

No client selected

Advisor client dashboard

Create a client manually or import one or many clients from CSV. This single-file prototype saves data only in this browser on this device.

Clients0Saved on this browser

Total portfolio value$0Across imported holdings

Marked sell gain$0Across all clients

Tax budgets$0Combined client ceilings

Find client

Client / Household	State	Filing status	Holdings	Portfolio value	Sell gain	Tax budget	Last updated

Security note: Browser storage is suitable for workflow testing only. Do not use this prototype for sensitive client data in production. A live advisor tool should require authenticated access and encrypted server-side storage with appropriate retention, audit, and access controls.

Client inputs

Filing status

State of residence

Federal taxable income before proposed gain

Use taxable income before the proposed long-term gain, not gross income.

MAGI before proposed gain

Used only for the 3.8% Net Investment Income Tax estimate.

State taxable income before proposed gain

Enter state taxable income if known; otherwise use the federal taxable-income estimate as a planning proxy.

Gain & tax budget

Proposed long-term capital gain

Maximum tax client is willing to pay

The solver finds the approximate long-term gain that keeps estimated federal LTCG tax + NIIT + state tax at or below this amount.

State gain inclusion / adjustment

Advanced override. Leave at 100% unless a tax professional confirms a state-specific exclusion, deduction, or adjustment.

Estimated tax

Federal LTCG$0—

NIIT$03.8% when applicable

State$0—

Total estimate$0—

How the estimate is calculated

Federal long-term gains are stacked on top of existing taxable income using 2026 0%, 15%, and 20% thresholds. NIIT is estimated at 3.8% of the lesser of the proposed investment gain or MAGI above the statutory threshold after the gain. State tax is generally estimated as the incremental state income tax caused by the gain, based on 2026 state brackets. Missouri capital gains are treated as exempt for this planner. Washington uses its separate capital-gains structure. Local income taxes, credits, deductions, AMT, special asset categories, loss carryforwards, depreciation recapture, collectibles, QSBS, and other special rules are not modeled.

50-state comparison

Uses the client inputs from the Tax Planner tab. The comparison shows estimated tax on the same proposed long-term gain in each state. It is a planning comparison, not a tax return calculation.

State	State tax	Total fed + state	Effective tax on gain	State note

Holdings analysis

Mirrors the workbook’s core columns: recommendation, shares, current price/value, cost basis, and unrealized gain/loss. Changes are saved to the selected client in this browser.

Ticker / Name	Recommendation	Shares	Current price	Cost basis / share	Current value	Total basis	Unrealized G/L

Sell positions0Count

Sell proceeds$0Market value

Sell cost basis$0Estimated basis

Sell net gain/loss$0Feeds tax planner

Consider positions0Count

Consider proceeds$0Market value

Consider cost basis$0Estimated basis

Consider net gain/loss$0Potential gain

CSV import

Upload a portfolio CSV for the selected client, or include a Client Name column to import multiple clients in one file. The importer accepts common column-name variations.

Choose or drop a CSV file

Nothing is uploaded to a server by this prototype; the browser reads the file locally.

Supported columns
Client Name, Filing Status, State, Federal Taxable Income, MAGI, State Taxable Income, Max Tax Budget, Ticker/Name, Recommendation, Shares, Current Price, Cost Basis / Share, or Total Cost Basis.

Client Name,Filing Status,State,Federal Taxable Income,MAGI,State Taxable Income,Max Tax Budget,Ticker,Recommendation,Shares,Current Price,Cost Basis / Share
Smith Household,Married filing jointly,CA,250000,275000,250000,25000,AAPL,Sell,100,225,125

Important: This interactive tool is for educational and financial-planning purposes only and does not constitute tax or legal advice. Tidemark Financial Partners does not provide tax or legal advice. Clients should consult their CPA or attorney before implementing a transaction. Tax laws and state rules can change, and local taxes are not included. The multi-client browser-storage feature is a prototype and should not be used as a production client-data system.