Hi Mark,
The new cost basis rules are resulting in Schwab including cost basis info in their download. I suspect it will be a separate file, so I may not need to worry about it. It will apparently reflect adjustments for things like bond amortizations as well. Have you had any contact with them or previews? They will have a capital gains treatment "tax optimizer" which looks a lot like your min gain treatment. Will there be a reconciliation possibilty for tax lots? I will have my costs on their system match those on FM by Jan. 1. Thanks for any edifyiing advice you might have. Best, Rick