Stop Paying Tax Twice on Your RSUs, ESPPs & Crypto.
Fix the 22% Withholding Gap and Recover Overpaid Prior-Year Taxes.
Automated tax software blindly imports E*TRADE, Fidelity, and Schwab Form 1099-B Box 1e $0 cost-basis fields—causing tech professionals to pay tax twice on vested equity. Work directly with Imran Baig, CPA to audit your last 3 years of returns, eliminate April underpayment penalties, and optimize RSU, ISO, and crypto taxes.
60 minutes directly with Imran Baig, CPA · $350 fee credited toward your engagement
Built for Engineers, Executives & Founders With Complex Equity.
We don't rely on automated 1099-B imports. We reconcile every vest lot against your W-2 and Stock Plan Supplemental Statement so you never pay tax twice.
Form 1099-B & Form 8949 Cost-Basis Adjustment
E*TRADE, Fidelity, and Schwab frequently report $0 or unadjusted cost basis in Box 1e for RSU and ESPP sales. We reconcile your Supplemental Information statement and apply the exact Code B/E basis adjustment on Form 8949.
Fixing the 22% Supplemental Withholding Trap
Employers withhold only 22% federal tax on RSU vests under $1M, while your true marginal rate is 32%–37% + 0.9% Medicare. We design safe-harbor estimated payment or W-4 schedules to eliminate underpayment penalties.
3-Year Prior Return Lookback (Form 1040-X)
Sold RSUs or ESPPs in the last 3 years using TurboTax or a high-volume preparer? We audit your prior Schedules D and Forms 8949 against your brokerage supplemental statements to recover double-paid taxes.
ISO Exercise & AMT Crossover Modeling
Before you exercise Incentive Stock Options (ISOs), we model Form 6251 Alternative Minimum Tax (AMT) exposure, calculate your exact AMT-free exercise ceiling, and track Form 8801 AMT credit carryforwards.
Multi-State RSU Sourcing Allocation
Moved between CA, NY, WA, TX, IL, or NJ between your grant date and vest date? States tax RSU vests based on workdays spent in-state from grant to vest. We compute precise multi-state allocation schedules and credits.
Cryptocurrency, Staking & DeFi Reconciliation
Multi-wallet cost-basis reconstruction (FIFO vs. Specific Identification), wash-sale and tax-loss harvesting analysis, staking/airdrop ordinary income schedules, and defense against IRS 1099-DA / 1099-B mismatches.
RSU Withholding Gap & Double-Tax Refund Estimator
Enter your base W-2 salary, annual RSU vest value, and employer withholding rate to see your exact April tax shortfall—and estimate your 3-year refund if your 1099-B cost basis went unadjusted.
RSU, ESPP, ISO & Crypto Tax FAQs
How does RSU double taxation happen on E*TRADE, Fidelity, or Charles Schwab 1099-B forms?
When your RSUs vest, the fair market value of the shares is already included as taxable ordinary wages in Box 1 of your W-2. However, for noncovered shares or sell-to-cover transactions, brokerages like E*TRADE, Fidelity, and Charles Schwab often report a $0 or blank cost basis in Box 1e of Form 1099-B. If you or your tax software import that 1099-B without manually adjusting the basis on Form 8949 using the Stock Plan Supplemental Statement, you pay tax on the exact same RSU income twice.
Can I recover overpaid taxes if I paid tax twice on RSUs or ESPPs in the last 3 years?
Yes. Under IRC § 6511, you generally have 3 years from the original filing deadline (including extensions) to file Form 1040-X (Amended U.S. Individual Income Tax Return) to correct unadjusted Form 8949 cost basis and claim a refund plus statutory interest from the IRS and your state tax agency.
Why do I always owe a huge tax bill in April even though my company withholds shares when my RSUs vest?
Under IRS supplemental wage regulations, employers typically withhold a flat 22% federal tax on RSU vests under $1 million in a calendar year. However, tech engineers, product managers, and executives earning $250,000 to $800,000+ actually sit in the 32%, 35%, or 37% marginal federal bracket plus the 0.9% Additional Medicare Tax—creating an automatic 10.9% to 15.9% under-withholding gap on every vest.
How do Qualifying vs. Disqualifying Dispositions work for ESPP shares?
For an Employee Stock Purchase Plan (ESPP) with a 15% discount and lookback provision, selling shares before meeting the holding period (2 years from offering date and 1 year from purchase date) is a Disqualifying Disposition. The bargain element is taxed as ordinary W-2 income, and your Form 8949 cost basis must be stepped up by that exact ordinary income amount so the discount isn't taxed a second time as a capital gain.
Never Overpay on Your Vested Equity Again.
Book a 60-minute Equity & Tax Strategy Session with Imran Baig, CPA. We will inspect your W-2, brokerage Supplemental Statements, and prior 3 years of returns to quantify your withholding gap and refund recovery potential. Your $350 fee is credited toward your engagement.
Get RSU, ISO, ESPP, and year-end tax-loss harvesting playbooks from Imran Baig, CPA:
Imran Baig, CPA · Illinois Licensed CPA · Tech Equity & Multi-State Tax Nationwide