<prompt> Human: Betterment says they can save me 1,200 annually by using Tax Loss Harvesting but I must be careful not to trigger a wash sale I assumed if I called and asked them for advice they would certainly tell me to rollover right away - I want a second opinion from PF.Current state: Former-Employer 401k with Vanguard 4 years since last contribution, 101k, contains Vanguard funds Taxable Betterment Account contributing monthly, 60k, 90 stocks 10 bonds including Vanguard ETFs Current-Employer 401k with Merrill Lynch contributing, already in target date fund - should not trigger wash saleShould I be rolling over to Betterment? Is there a smarter option? What am I not thinking about?  <response>: There is no tax lossgain harvesting in a retirement plan such as a 401k. In fact there is no tax at all until you start taking money out. 