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Have you looked into potentially setting up your own Solo 401k instead? I was in a similar situation (1099 insurance agent) and found it much cleaner tax-wise to just establish my own plan rather than dealing with the affiliated service group complexity. The contribution limits are actually fantastic - you can contribute both as employee AND employer up to the combined limits. For 2025, that's $23,500 as employee plus up to 25% of your net self-employment income as employer contribution (total contribution cap of $69,000 if you're under 50). Fidelity and Vanguard both offer free Solo 401k plans with no setup or maintenance fees. Makes tax filing much simpler than the affiliated arrangement.
I've considered that option but there's a specific reason I'm sticking with the company plan. They have access to some institutional funds with extremely low expense ratios that aren't available in individual plans. Plus the plan administrator handles all the compliance testing and Form 5500 filing, which I'd otherwise need to manage myself once the solo 401k exceeds $250k. Also, there's a potential opportunity in the future for me to be brought on as a W-2 employee, so staying in their plan makes that transition smoother. I just need to figure out the proper tax treatment for now.
Those are excellent reasons to stick with the company plan. The institutional fund access alone can save you significant money over time with those lower expense ratios. And you're right about the Form 5500 requirements - that paperwork gets complex fast when you're handling it yourself. For the proper tax treatment, one additional document that might help your CPA get comfortable is IRS Notice 2012-8, which provides specific guidance on affiliated service group arrangements. It clarifies that contractors who qualify under 414(m) should treat their contributions similarly to self-employed individuals with their own plans, but within the structure of the larger company plan.
Has your CPA looked at IRS Form 8606? My accountant used that for documenting some of my nondeductible contributions when I was in a sorta similar situation. Not sure if it applies exactly to your case but might be worth checking out.
Form 8606 is specifically for IRAs and reporting nondeductible contributions to traditional IRAs or Roth conversions. It doesn't apply to 401(k) contributions, whether in an affiliated service group or otherwise. Using this form would actually create more confusion.
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As someone who's done tax preparation professionally, here's a tip: K-1s from estates (Form 1041) are often more complex than regular partnership K-1s because they can include final distributions of assets. If TurboTax isn't handling it well, you might actually be better off with a different tax program. H&R Block's software tends to handle complex K-1 entries better in my experience, especially the statement items. If you're determined to stick with TurboTax, definitely get the premium version with live help. The regular support won't understand these complex forms well enough.
Is it really worth switching tax software at this point? I'm halfway through my return in TurboTax and have a similar K-1 issue. Will H&R Block let me import what I've already done or would I have to start over?
Unfortunately, you'd likely need to start over if you switch software at this point. The import functions between competing tax products aren't great and often miss details. If you're already halfway through your return in TurboTax, your best option is probably to upgrade to their live help version rather than switching entirely. The TurboTax live tax pros can walk you through entering the statement items correctly, and that would be less frustrating than starting over in a new system. Just make sure you specifically ask about entering K-1 statement items, as some of the more general support people might not be familiar with the nuances.
Quick question - does anyone know if I need to report the K-1 income in the same tax year as the relative's death, or in the year I received the K-1? My aunt passed in December 2023 but I just got the K-1 last week.
You report K-1 income in the tax year shown on the K-1 itself, not when you physically received the form. If the K-1 says "2023" at the top, it goes on your 2023 return, even if you received it recently in 2024. Estates can take time to process, which is why K-1s often arrive late. If the K-1 is for 2023 and you've already filed your 2023 return, you'll need to file an amended return to include this information.
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Alana Willis
Don't panic right away! I think your family might actually be in good shape to receive a substantial Premium Tax Credit. A few things to consider: 1. Full-time students with low income often don't impact the household income much 2. The marketplace calculates credits based on expected ANNUAL income, not just current situation 3. Having multiple family members with lower combined income usually means higher credits Call the marketplace back and ask them to explain how they calculated your credit. They can walk you through it and confirm if the information provided was correct.
Tyler Murphy
ā¢Is there an income threshold where you have to pay back the entire premium tax credit? I heard something about 400% of the federal poverty level but not sure if that's still accurate.
Alana Willis
ā¢Yes, there is a threshold, but the rules have changed recently. Previously, if your income exceeded 400% of the Federal Poverty Level (FPL), you would have to repay the entire Premium Tax Credit amount. This was often called the "subsidy cliff." However, the American Rescue Plan temporarily eliminated this cliff, and this provision has been extended through 2025. Now, regardless of income, no household is required to pay more than 8.5% of their income toward benchmark marketplace coverage. This means even if your income ends up higher than expected, you're still eligible for some amount of Premium Tax Credit if your insurance premiums exceed 8.5% of your household income.
Sara Unger
Has your dad checked if he's eligible for his state's Medicaid program? If his income is low enough and your state expanded Medicaid, that might be a better option than marketplace insurance. Also, does his employer plan offer family coverage? Sometimes employer plans are actually more expensive than subsidized marketplace plans for families.
This! My husband's employer insurance wanted $650/month to add me, but I got a marketplace plan with Premium Tax Credit for $175/month. Just make sure your dad's plan is considered "affordable" for him only - if it is, and it only covers him (not dependents), you and your sister can still qualify for PTCs.
Sara Unger
ā¢Exactly! The "family glitch" fix that went into effect means that affordability for family members is now calculated separately. So if adding dependents to the employer plan is expensive (which it often is), the dependents may qualify for Premium Tax Credits even if the employee has affordable coverage through work.
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Another thing I haven't seen mentioned - if one spouse itemizes deductions when filing separately, the other spouse MUST also itemize even if the standard deduction would be more beneficial. This can result in a higher tax bill overall. Also, if you live in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI), filing separately gets WAY more complicated because you generally have to split all community income 50/50 regardless of who earned it. So the "protection" benefit of separate filing is significantly reduced.
Wait, seriously? So if my husband has enough medical expenses to itemize but I don't, I can't take the standard deduction if we file separately? I had no idea about this rule!
Yes, that's exactly right. If one spouse itemizes on a separate return, the other spouse must also itemize - even if their itemized deductions are less than the standard deduction amount. It's one of those tax rules that can really hurt couples filing separately. This rule often creates a situation where a couple pays more in taxes by filing separately, even when it initially looks beneficial. For your example with medical expenses, you'd need to calculate whether the tax benefit from itemizing those expenses outweighs the loss of your standard deduction.
My wife and I went through this exact debate last year. For us, the tipping point was the Child Tax Credit and Child and Dependent Care Credit. Filing separately made us ineligible for the full amounts of both. Run your taxes both ways before deciding! Sometimes the difference can be thousands depending on your specific situation.
Does filing status affect the income limits for things like Roth IRA contributions? We're right on the edge of the phaseout range and I'm trying to figure out if filing separately would help or hurt.
Sophia Russo
5 This happened to me twice with Vanguard. Both times it was because I had investments in mutual funds that had income recharacterizations. Basically, the fund managers were correcting how some of the income should be classified for tax purposes. Vanguard legally has until March 15 to send corrected/final forms in these cases. Call them and ask specifically if your account is affected by an extended reporting deadline. They should be able to tell you exactly when to expect your forms. In my experience, they can sometimes provide preliminary versions if you really need them, with the understanding that you might need to amend your return if numbers change.
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Sophia Russo
ā¢2 I've got a similar issue but with Fidelity. Do you know if all brokerages have the same March 15 deadline for these special cases? I can't find clear info anywhere.
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Sophia Russo
ā¢5 Yes, all brokerages follow the same IRS deadlines. The standard deadline is February 15th for most 1099s, but there's an extended deadline of March 15th for accounts with specific types of investments that might need reclassification. This includes certain mutual funds, REITs, foreign investments, and instruments where income characterization might change. If you have these types of investments in your Fidelity account, they would also have until March 15th to provide your forms. I'd recommend calling them directly to confirm which deadline applies to your specific situation.
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Sophia Russo
13 Has anyone noticed if specific Vanguard funds tend to cause these delays? I have a mix of their ETFs and Admiral shares and wondering if I should expect this issue next year too.
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Sophia Russo
ā¢16 In my experience, their international funds and REITs are usually the culprits. I hold VTIAX (international) and VGSLX (REIT) and consistently get delayed 1099s every year. Their basic total market funds like VTI or VTSAX typically don't cause delays.
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