A web app connects to brokerages, payroll, and tax documents to simulate trade scenarios in plain English before the user acts. It flags wash sale risks, estimates federal and state tax outcomes, calculates ESPP discount profitability, suggests withholding adjustments, and helps users decide how much company stock exposure is safe based on their financial profile.

More employees receive equity compensation, while retail options trading and self-directed investing remain common. Tax complexity is rising as users juggle multiple brokerages, state rules, and increasingly frequent taxable transactions.