".... believe that the wash sell ... selling at a kiss then buying replacement shares within 30 days... leads to the loss deferred till you sell the replacement shares. Anybody?????..."
I believe "loss deferred till you sell the replacement shares" Has to be done before the year ends. I do not believe the loss can be carried over into the next year, otherwise, I can continue sell and buy forever and never have to pay any taxes.
I think you and I need to confirm this with our investment firm.