“If you do direct indexing tax loss harvesting, you can bring the tax rate on capital gains down to zero. After those roles, he started RIA Personal Capital, which grew to about $23 billion in assets before selling in 2020 to retirement plan provider Empower in a $1 billion deal. Among the strategies Harris cited were tax-gain harvesting, or shifting to family or charitable giving. Harris said identifying and implementing such strategies is possible due to stronger computer power than in his Personal Capital days. Evergreen Wealth clients will have a dedicated advisor assigned to their account and a personalized portfolio that considers tax circumstances.