Market downturns don’t have to be wasted.   In this episode, Ryan and Zane explain how tax-loss harvesting can turn short-term market declines into long-term tax flexibility—without changing your investment strategy.   They cover how the strategy works, when it applies, common pitfalls like the wash sale rule, and why diversification often creates these opportunities naturally.   Subscribe to the Retirement GPS Podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn @ZynergyRetirement to keep your plan on course.