Q: What if I sold a loser in one of my Schwab accounts and then bought it again with another account? What about my IRA?
The wash-sale rule applies across all your accounts, including those outside Schwab, as well as transactions in your IRA—and it the rule extends even to your spouse's accounts. Furthermore, it's up to you keep track of what's happening across your various accounts. IRS regulations require only that Schwab track and report wash sales on the same CUSIP number within the same account.
