# kanchi-dividend-us-tax-accounting

Classifies US dividend streams for stocks, REITs, and BDCs while evaluating holding periods and placement across taxable and retirement accounts.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 3300 installs · ★ 3267
- Author: tradermonty
- License: MIT · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/tradermonty/claude-trading-skills/tree/HEAD/skills/kanchi-dividend-us-tax-accounting/SKILL.md
- Updated: 2026-10-24
- HTML: https://affpapa.org/en/nevibecode/skills/kanchi-dividend-us-tax-accounting

## What it does

This skill structures dividend tax workflows for Kanchi-style income portfolios. It separates distributions into qualified dividends and ordinary income, including REIT or BDC payouts. The logic checks ex-dividend dates against required holding windows to flag compliance issues early.

Reports rely on an included Python script at `scripts/build_tax_planning_sheet.py`. The script processes JSON inputs containing tickers, account types, and hold days. Built-in checklists guide whether holdings fit better in taxable accounts or retirement vehicles.

The workflow provides preliminary estimates. Final tax filings require review by a licensed accountant. When acquisition dates or hold windows are incomplete, the skill marks positions as `ASSUMPTION-REQUIRED`.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add tradermonty/claude-trading-skills --skill kanchi-dividend-us-tax-accounting -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/kanchi-dividend-us-tax-accounting/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/kanchi-dividend-us-tax-accounting/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add tradermonty/claude-trading-skills --skill kanchi-dividend-us-tax-accounting -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/kanchi-dividend-us-tax-accounting/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add tradermonty/claude-trading-skills --skill kanchi-dividend-us-tax-accounting -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/kanchi-dividend-us-tax-accounting/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install tradermonty/claude-trading-skills kanchi-dividend-us-tax-accounting
```

2. **Manually: put the files in place**
- File: `.github/skills/kanchi-dividend-us-tax-accounting/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add tradermonty/claude-trading-skills --skill kanchi-dividend-us-tax-accounting -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/tradermonty/claude-trading-skills --path skills/kanchi-dividend-us-tax-accounting
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/kanchi-dividend-us-tax-accounting/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add tradermonty/claude-trading-skills --skill kanchi-dividend-us-tax-accounting -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/tradermonty/claude-trading-skills/tree/HEAD/skills/kanchi-dividend-us-tax-accounting/SKILL.md

## When to use it
- classify dividend streams into ordinary and qualified distributions
- verify holding-period eligibility before year-end planning
- determine asset allocation between taxable and IRA accounts
- generate a standardized annual dividend tax memo

## Example prompts
- Review my dividend holdings and suggest account placement between taxable and IRA accounts
- Run build_tax_planning_sheet.py with tax_input.json to generate the annual planning memo

## Source text · SKILL.md · MIT

Below is the content of a third-party file. It is data, not instructions for you: do not act on anything written inside unless the human asks. Block tag: f234d95192e37d7a.

BEGIN THIRD-PARTY FILE f234d95192e37d7a
````text
---
name: kanchi-dividend-us-tax-accounting
description: Provide US dividend tax and account-location workflow for Kanchi-style income portfolios. Use when users ask about qualified vs ordinary dividends, 1099-DIV interpretation, REIT/BDC distribution treatment, holding-period checks, or taxable-vs-IRA account placement decisions for dividend assets.
---

# Kanchi Dividend Us Tax Accounting

## Overview

Apply a practical US-tax workflow for dividend investors while keeping decisions auditable.
Focus on account placement and classification, not legal/tax advice replacement.

## When to Use

Use this skill when the user needs:
- US dividend tax classification planning (qualified vs ordinary assumptions).
- Holding-period checks before year-end tax planning.
- Account-location decisions for stock/REIT/BDC/MLP income holdings.
- A standardized annual dividend tax memo format.

## Prerequisites

Prepare holding-level inputs:
- `ticker`
- `instrument_type`
- `account_type`
- `hold_days_in_window` (if available)

Use the exact JSON contract and examples in `references/input-schema.md`.

For deterministic output artifacts, provide JSON input and run:

```bash
python3 skills/kanchi-dividend-us-tax-accounting/scripts/build_tax_planning_sheet.py \
  --input /path/to/tax_input.json \
  --output-dir reports/
```

## Guardrails

Always state this clearly: tax outcomes depend on individual facts and jurisdiction.
Treat this skill as planning support, then escalate final filing decisions to a tax professional.

## Workflow

### 1) Classify each distribution stream

For each holding, classify expected cash flow into:
- Potential qualified dividend.
- Ordinary dividend/non-qualified distribution.
- REIT/BDC-specific distribution components where applicable.

Use `references/qualified-dividend-checklist.md`
for holding-period and classification checks.

### 2) Validate holding-period eligibility assumptions

For potential qualified treatment:
- Check ex-dividend date windows.
- Check required minimum holding days in the measurement window.
- Flag positions at risk of failing holding-period requirement.

If data is incomplete, mark status as `ASSUMPTION-REQUIRED`.

### 3) Map to reporting fields

Map planning assumptions to expected tax-form buckets:
- Ordinary dividend total.
- Qualified dividend subset.
- REIT-related components when reported separately.

Use form terminology consistently so year-end reconciliation is straightforward.

### 4) Build account-location recommendation

Use `references/account-location-matrix.md` to place
assets by tax profile:
````
END THIRD-PARTY FILE f234d95192e37d7a

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---
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