Fidelity Institutional Wealth Services TRADE EXECUTION CONFIRMATION
Conf. No: FIn2022n012301 | Date: September 7, 2022
Institutional Client Services | Wealth Management Platform
Tax-Loss Harvesting Campaign — 2022
UECIXfiUECIY & IDEIXfiIDEIY Swaps (DecisionID-2022-301 / EventID-2022-01)
Client Household: Alex & Sam Chen Confirmation No.: FIn2022n012301
(HH-CHEN-001)
Advisor: Morgan Park, CFP® Confirmation Date: September 7, 2022
(ADV-PARK-001) | Clearwater
Wealth Partners
Custodian: Fidelity Institutional Wealth Services Settlement Date: September 8, 2022
(CUST-FI-001)
Decision / Ref: DecisionID-2022-301 / Document ID: DOC-TradeConf-2022Q3-001
EventID-2022-01 (Rate hike + TLH
trigger) / TaxTopicID-2022-01
Meeting Ref: MtgID-2022Q3-01 Confirmation Tax-Loss Harvesting — Wash-Sale
Type: Compliant Swap
IPS Version: IPS-2020 (60/35/5) — TLH does not Tax Year: 2022
change allocation; alternates
maintain exposure
TRADE CONTEXT & RATIONALE
Tax-loss harvesting campaign executed per DecisionID-2022-301 and the TaxPlanningMemo-TLH-DecisionID-2022-301
(Clearwater Wealth Partners / Lisa Torres, EA). Aggressive 2022 Fed rate hikes and bear market created significant unrealized
losses in the March 2022 high-basis lots (UECIX at $85.00; current price $64.00). Strategy: SELL UECIX (loss position) and
immediately BUY UECIY (near-identical exposure but different fund, avoiding 30-day wash-sale rule). Same swap applied to
IDEIXfiIDEIY. Portfolio exposure maintained; losses harvested for 2022 tax offset. 30-day buy-back window for UECIX/IDEIX
noted: earliest repurchase date October 7, 2022 / October 14, 2022 for second batch.
TRADE EXECUTION DETAIL
Trade Actio Gross Comm/ Net Notes / Lot
Account / No. Settle Security CUSIP Quantity Price
Date n Amt Fee Amount Info
TLH — loss
harvest; ST
ACCT-TX01 loss
09/07/202 09/08/20 UECIX 67890A10 $64,000.0 ($64,000.
Z23n8472n91 SELL 1,000 $64.00 $0.00 Basis: Mar
2 22 US Equity Core Index Fund 0 0 00)
Joint Taxable Brokerage 2022 lot; basis
$85.00/sh; ST
loss -$21,000
Fidelity Institutional Wealth Services | 245 Summer Street, Boston, MA 02210 | fidelityinstitutional.com
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Document Ref: DOC-TradeConf-2022Q3-001 | Household: HH-CHEN-001 | Custodian: CUST-FI-001 | Synthetic demo data only

Fidelity Institutional Wealth Services TRADE EXECUTION CONFIRMATION
Conf. No: FIn2022n012301 | Date: September 7, 2022
Institutional Client Services | Wealth Management Platform
Trade Actio Gross Comm/ Net Notes / Lot
Account / No. Settle Security CUSIP Quantity Price
Date n Amt Fee Amount Info
TLH —
replace
UECIX;
wash-sale
ACCT-TX01 UECIY
09/07/202 09/08/20 67890A20 $64,000.0 $64,000.0 compliant
Z23n8472n91 BUY US Equity Core Index Fund 1,000 $64.00 $0.00
2 22 0 0 0 Basis: New lot
Joint Taxable Brokerage (Alt/TLH)
$64.00/sh;
30-day lockout
on UECIX
repurchase
TLH — loss
harvest; ST
ACCT-TX01 IDEIX loss
09/14/202 09/15/20 45678A10 ($6,750.0
Z23n8472n91 SELL Intl Developed Equity Index 250 $27.00 $6,750.00 $0.00 Basis: Mar
2 22 0 0)
Joint Taxable Brokerage Fund 2022 lot; basis
$32.00/sh; ST
loss -$1,250
TLH —
replace
IDEIX;
wash-sale
ACCT-TX01 IDEIY
09/14/202 09/15/20 45678A20 compliant
Z23n8472n91 BUY Intl Developed Equity Fund 250 $27.00 $6,750.00 $0.00 $6,750.00
2 22 0 Basis: New lot
Joint Taxable Brokerage (Alt/TLH)
$27.00/sh;
30-day lockout
on IDEIX
repurchase
TOTAL
S
Total Purchased: $70,750.00 (cid:127) Total Sold / Redeemed: $70,750.00
SETTLEMENT SUMMARY
Description Amount Settlement Date Direction
Total Purchased (BUY orders) $70,750.00 September 8, 2022 Debit
Total Proceeds (SELL orders) $70,750.00 September 8, 2022 Credit
Net Cash Flow $0.00 Credit
TAX IMPACT NOTES
UECIX sale (1,000 shares): basis $85.00/sh (Mar 2022 lot); gain = ($64.00 - $85.00) × 1,000 = -$21,000 ST loss (held <12
months). Wait — note: short-term loss because Mar 2022 lot held <12 months by Sep 2022. IDEIX sale (250 shares): basis
$32.00/sh; gain = ($27.00 - $32.00) × 250 = -$1,250 ST loss. Older UECIX lots (Feb 2016 basis $40) not sold (would create LT
gain). Net cap gain/loss from TLH: -$22,250 ST + existing LT gains ~$6,750. Net 2022: -$15,500. First $3,000 deducted;
$12,500 carried forward to 2023. UECIY and IDEIY purchases maintain market exposure without triggering wash-sale.
TaxTopicID-2022-01 / See TaxPlanningMemo-TLH-DecisionID-2022-301 for full details.
Fidelity Institutional Wealth Services | 245 Summer Street, Boston, MA 02210 | fidelityinstitutional.com
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Document Ref: DOC-TradeConf-2022Q3-001 | Household: HH-CHEN-001 | Custodian: CUST-FI-001 | Synthetic demo data only

Fidelity Institutional Wealth Services TRADE EXECUTION CONFIRMATION
Conf. No: FIn2022n012301 | Date: September 7, 2022
Institutional Client Services | Wealth Management Platform
IMPORTANT: This Trade Execution Confirmation is a summary of executed orders processed through the Fidelity Institutional platform. All transactions are subject to
the terms and conditions of the applicable account agreement. Prices shown are execution prices; actual settlement may vary for equity securities by T+2. Tax
information is provided for planning reference only; clients should consult their tax advisor. This document is synthetic demo data generated for product demonstration
purposes and does not constitute an actual trade confirmation, investment advice, or tax advice.
Fidelity Institutional Wealth Services | 245 Summer Street, Boston, MA 02210 | fidelityinstitutional.com
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Document Ref: DOC-TradeConf-2022Q3-001 | Household: HH-CHEN-001 | Custodian: CUST-FI-001 | Synthetic demo data only
