Rachel Adams

MediumDraftingProspect

W-2SingleCAMeera KapoorAnnualReturn missing

Est. current income

$98,000

vs $92,000 prior year

Effective rate

14.2%

Marginal bracket

22%

Dec 31 hard stops

Rachel Adams

2026 Year-End Planning Summary

Dec 31 stops

~$1,868+ of federal tax addressed across 9 opportunities.

Est. income

$98,000

vs $92,000

Effective rate

14.2%

Marginal

22%

Key changes

flagged

What the plan contributes

Each move as a range, stepping down from the current-path liability.

$13,916

Current path

§83(b) election on restricted stock — the 30-day window
$3,000–$120,000
Standard vs. itemized deduction optimization and multi-year bunching
$2,000–$30,000
Max-fund the HSA for the triple tax benefit
$968
Dependent care — the §21 credit vs a §129 employer FSA
$600–$3,750
Educator above-the-line deduction for unreimbursed classroom expenses
$300–$400
NQSO exercise timing and ESPP qualifying vs disqualifying dispositions
$1,500–$25,000
Divorce — §1041 property transfers, QDROs, and filing-status timing
$15,000–$150,000
Filing-status planning — MFJ vs. MFS, HOH qualification, newlywed withholding
$1,500–$12,000
Medical expense bunching and the OBBBA gambling-loss limitation (§165(d))
$1,000–$6,000

Addressed by the plan

9 of 9 quantified

$25,868–$348,118

leaves $0–$0

1. Current-Year Action Items

Time-sensitive moves before December 31.

2. Long-Term Opportunities

Multi-year planning to revisit beyond this season.

Elan

Grounded on Rachel Adams

Nothing outstanding for Rachel Adams right now.

Elan brought this to you

Nothing needs you for Rachel Adams right now.

Rachel Adams

Rachel Adams

What the plan contributes

1. Current-Year Action Items

Standard vs. itemized deduction optimization and multi-year bunching

Filing-status planning — MFJ vs. MFS, HOH qualification, newlywed withholding

Medical expense bunching and the OBBBA gambling-loss limitation (§165(d))

Max-fund the HSA for the triple tax benefit

Educator above-the-line deduction for unreimbursed classroom expenses

§83(b) election on restricted stock — the 30-day window

Dependent care — the §21 credit vs a §129 employer FSA

NQSO exercise timing and ESPP qualifying vs disqualifying dispositions

Divorce — §1041 property transfers, QDROs, and filing-status timing

2. Long-Term Opportunities

Rachel Adams

Rachel Adams

What the plan contributes

1. Current-Year Action Items

Standard vs. itemized deduction optimization and multi-year bunching

Filing-status planning — MFJ vs. MFS, HOH qualification, newlywed withholding

Medical expense bunching and the OBBBA gambling-loss limitation (§165(d))

Max-fund the HSA for the triple tax benefit

Educator above-the-line deduction for unreimbursed classroom expenses

§83(b) election on restricted stock — the 30-day window

Dependent care — the §21 credit vs a §129 employer FSA

NQSO exercise timing and ESPP qualifying vs disqualifying dispositions

Divorce — §1041 property transfers, QDROs, and filing-status timing

2. Long-Term Opportunities