House purchases etc are usually wire out - I think clear disclosures there might work on limits.
Or do a wire option with strong 2FA with callback - no SMS for authentication with a 90 day account age requirement and 15 day fund hold or similar on new funds prior to wire.
We normally have a fair bit I can't be bothered to shuffle to and from Vanguard and they've limited some of their cash management offerings. I do like having prompt access to funds so the wire option is appealing (even for a $25 - $50 fee) for me or make sure you are well integrated into same day ACH and have clear posted cutoffs (+ expedite fee if needed) for folks who need to move larger amounts.
Don't underestimate chance to move very large balances if you can solve brokerage + efficient access to cash.
Finally, if you are willing to do portfolio / margin lending (maybe very low leverage) you can often address most cap gains issues by smoothing spending.
Obviously this is opt in.
So if I write the $20K check to some contractor, you check for tax loss harvesting opportunities, if you find some great, sell and fund. If you find none then you carry that $20K on the margin account until my next deposits come in at end of month.
Or do a wire option with strong 2FA with callback - no SMS for authentication with a 90 day account age requirement and 15 day fund hold or similar on new funds prior to wire.
We normally have a fair bit I can't be bothered to shuffle to and from Vanguard and they've limited some of their cash management offerings. I do like having prompt access to funds so the wire option is appealing (even for a $25 - $50 fee) for me or make sure you are well integrated into same day ACH and have clear posted cutoffs (+ expedite fee if needed) for folks who need to move larger amounts.
Don't underestimate chance to move very large balances if you can solve brokerage + efficient access to cash.
Finally, if you are willing to do portfolio / margin lending (maybe very low leverage) you can often address most cap gains issues by smoothing spending.
Obviously this is opt in.
So if I write the $20K check to some contractor, you check for tax loss harvesting opportunities, if you find some great, sell and fund. If you find none then you carry that $20K on the margin account until my next deposits come in at end of month.