Nicole Clark

HighDeliveredAdvisory client

W-2Head of householdMAEleanor VanceAnnualReturn missing

Est. current income

$156,000

vs $138,000 prior year

Effective rate

16.3%

Marginal bracket

22%

Dec 31 hard stops

Nicole Clark

2026 Year-End Planning Summary

~$1,320+ of tax benefit from electing the §129 dependent-care FSA over the §21 credit, sized to her income level.

Est. income

$156,000

vs $138,000

Effective rate

16.3%

Marginal

22%

Key changes

flagged

What the plan contributes

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

$25,428

Current path

§129 dependent-care FSA vs. the §21 credit — decide before open enrollment closes
$1,320

Addressed by the plan

1 of 1 quantified

$1,320–$1,320

leaves $24,108–$24,108

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 Nicole Clark

Nothing outstanding for Nicole Clark right now.

Elan brought this to you

Nothing needs you for Nicole Clark right now.

Nicole Clark

Nicole Clark

What the plan contributes

1. Current-Year Action Items

§129 dependent-care FSA vs. the §21 credit — decide before open enrollment closes

2. Long-Term Opportunities

Nicole Clark

Nicole Clark

What the plan contributes

1. Current-Year Action Items

§129 dependent-care FSA vs. the §21 credit — decide before open enrollment closes

2. Long-Term Opportunities