Margaret Harris

LowIn reviewProspect

W-2Married filing jointlyCOMeera KapoorAnnualReturn missing

Est. current income

$195,000

vs $178,000 prior year

Effective rate

19.1%

Marginal bracket

22%

Dec 31 hard stops

Margaret Harris

2026 Year-End Planning Summary

Dec 31 stops

~$3,068+ of federal tax addressed across 10 opportunities.

Est. income

$195,000

vs $178,000

Effective rate

19.1%

Marginal

22%

Key changes

flagged

What the plan contributes

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

$37,245

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
Q4 estimated payment to cure underpayment exposure
$1,200
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

10 of 10 quantified

$27,068–$349,318

leaves $0–$10,177

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 Margaret Harris

Nothing outstanding for Margaret Harris right now.

Elan brought this to you

Nothing needs you for Margaret Harris right now.

Margaret Harris

Margaret Harris

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))

Q4 estimated payment to cure underpayment exposure

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

Margaret Harris

Margaret Harris

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))

Q4 estimated payment to cure underpayment exposure

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