# WealthPulse Year-End Tax Optimization

> WealthPulse Year-End Tax Optimization is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Analyzes year-end tax-saving opportunities including Roth conversions, tax-loss harvesting, contribution deadlines, and ranked action items before December 31

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/tax
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-year-end-tax-optimization-35ef3326
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rEcMJQVg8PXyAL7oQkS7_

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability wealthpulse-year-end-tax-optimization-35ef3326
```

Example prompt: I'm in the 24% tax bracket, married filing jointly, with about $80k in capital gains and $30k in unrealized losses this year — what are my best ranked tax moves to make before December 31, including whether a Roth conversion makes sense?

## When to prefer this

Use this endpoint when a user needs year-end tax planning guidance specifically — Roth conversions, tax-loss harvesting, contribution deadline tracking, and ranked before-Dec-31 moves. Prefer over generic financial advice endpoints when the tax calendar urgency and ranked action output are important.

## Known failure modes

- Missing required financial inputs (income, tax bracket) result in generic rather than personalized recommendations
- Incomplete portfolio data limits tax-loss harvesting analysis
- Requests made after December 31 may yield inapplicable year-end advice
- Ambiguous filing status may produce inaccurate income limit calculations

## How this service works

What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents.

## Output

A ranked list of actionable year-end tax-saving moves including Roth conversion analysis, tax-loss harvesting candidates, retirement account contribution deadlines, and prioritized steps to take before December 31, tailored to the user's financial situation

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "state": {
       "type": "string",
       "description": "CA | TX | NY | FL | WA"
      },
      "income": {
       "type": "string",
       "description": "145000 (annual gross USD, required)"
      },
      "situation": {
       "type": "string",
       "description": "RSU_vesting,capital_gains (comma-separated life events; optional)"
      },
      "filing_status": {
       "type": "string",
       "description": "single | married_filing_jointly | married_filing_separately | head_of_household (default: single)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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%"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-year-end-tax-optimization-35ef3326/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)