The one word is NO. However, you got the wrong reason. Our legislators didn't want you to have the opportunity of reducing your taxes with a loss and still hold your position in the future. So the wash sales rules prevent that. As soon as you get out of the position you can take the loss. Since there's no way to adjust basis in an IRA, you probably lose the loss forever if you rebuy in the
IRA

Also all thoses other accounts are "related parties" and worse than a wash sale where you eventually can use the loss (unless it's in a non-taxed account), on a sale to a related party you loss the loss *forever*. And yes your wife is a related party, and so are *your* IRAs, corporations, partnerships, etc.



ed