As you mentioned, wash sale occurs when you sell or trade stocks at a loss and within 30 days of the sale, you purchase the same or a substantially identical rule. Unfortunately for 2021 tax year, you will not be able to do any tax planning to remove the wash sale. For 2022, you can make sure not to repurchase securities which you sold for a loss within 30 days of the sale.
Additionally, since you are being affected by the wash sale rule, even though your loss will be disallowed, it will be added to the cost basis of the securities you repurchased. What this means is that since your cost basis is now higher, when you sell the stocks affected by wash sale later for a gain, your taxable gains will be less since your cost basis is higher. Also, if you sell the investments effect by wash sale at a loss, the higher cost basis would increase the size of the loss for which you could claim a deduction.
