Can we Tax harvest a gain from my wife's brokerage Schwab account against a loss from our joint Schwab account - current year?

[rjs]

I'm not sure exactly what you mean by "tax harvest." If your wife sells an investment for a gain in her account, and you sell another investment for a loss in your joint account in the same year, and the two of you file a joint tax return (married filing jointly) for that year, the loss on the sale in your joint account will offset the gain on the sale in your wife's account. Essentially, on a joint tax return everything gets added together. It doesn't matter who had the gain or the loss, or that the gain and the loss were in different brokerage accounts.

[Critter-3]

To avoid a WASH SALE disallowance you CANNOT rebuy the SAME loser stock  for 30 days before or after the sale  ... if you do then the loss will not count and will be added to the basis of the replacement. 

[Mike9241]

to expand on @Critter-3 comment on the wash sale rule the rebuy during the 30 day period can not occur in any of the following a/c's: yours, your spouses, your joint a/c's or any of your IRA a/c's