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TaxLock: Bed-and-Breakfast Trade Execution Service

A white-glove execution service where investors submit their portfolio holdings and tax situation; TaxLock's licensed tax advisors identify bed-and-breakfast opportunities, calculate precise tax savings, coordinate with the investor's broker(s), and execute the sell/buy trades same-day before the tax year closes. The service handles all broker communication, settlement timing, and documentation.

SERVICE

24 weeks • 70% confidence

Value Proposition

Eliminates manual calculation error and broker coordination friction; executes complex multi-leg trades same-day across multiple brokers; provides written tax advice memo justifying the strategy; recovers £2k-£15k per client in tax savings with zero execution risk. Investors pay once per year in November/December when they need it most.

Target Audience

UK investors with £100k+ portfolios (typically age 45-65, self-directed or semi-directed), particularly those with concentrated positions or volatile holdings near year-end

Key Features

  • Portfolio import tool (CSV upload from major UK brokers: Interactive Brokers, AJ Bell, Hargreaves Lansdown, etc.)
  • Automated bed-and-breakfast opportunity scanner identifying positions with >£500 unrealized loss
  • Tax impact calculator showing marginal tax rate, CGT allowance utilization, and net savings
  • And more, with full implementation detail...

Tech Stack

Interactive Brokers API (for order placement) AJ Bell API (portfolio data) Simple web form builder (Typeform or custom Django/React) Tax calculation engine (custom Python/Excel-based, not off-the-shelf)
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Original Problem

UK investors struggle to optimize capital gains tax through bed-and-breakfast trading strategies

UK-based investors need to execute same-day capital gains tax avoidance strategies (bed-and-breakfast trades) but lack automated tools to identify opportunities, calculate tax implications, and execute trades efficiently before tax year-end deadlines. Current solutions require manual calculation and brokerage coordination, creating friction and missed optimization opportunities that cost investors thousands in unnecessary tax liability.

Score: 18.4% • 1 demand signal