Schwab knows how to handle wash sales properly and Turbo Tax knows how to handle wash sales properly if the sales are entered properly. So I don't know where you are going wrong. It very well could be in your own understanding of the proper tax accounting for wash sales. There's just not enough information here.
For example, you've said you've bought and sold everything and don't hold any shares currently. If by "currently" you mean "at 12/31/2011" (and no subsequent purchases within the wash sale window) then you would have no deferred losses from wash sales at year end. If by "currently" you mean "today" then you probably *would* have deferred losses from wash sales at year end. The two situations produce very different reported gains and losses for 2011.
Boiled down, if you buy replacement shares after reporting a loss on a sale then the loss on the sale is deferred in proportion to the ratio of the replacement shares divided by the shares sold. The deferred loss is added to the basis of the replacement shares. When the replacement shares get sold the deferred loss is realized. If this buy/sell activity all happens within the tax year then there is no deferred loss and your net gain or loss is simply the difference between the cash paid for the stock vs. the cash received on the sales. If the "sell" part of that buy/sell activity occurs in the subsequent tax year then the loss *is* deferred.
Tom Young
