Milestr Dashboard

📥

Gather all 2025 income + deduction documents

2026-09-30

🧮

Build 1040 + Schedules on HRBlock

2026-10-10

🚀

File federal + CA + FBAR + pay any owed tax

2026-10-15

9/4/2026 → 10/30/2026

Achieved (40)

📄 Morsy: upload 2025 French Avis d'impôts so I can compute Form 1116 FTC 100%

📒 Specialized EMTB 2025 P&L — identify all receipts from morsy@specialized.live inbox + Drive, build bookkeeping xlsx, reconcile to Schedule C $300 net 100%

💰 Vonage 401(k) Form 1099-R 2025 (direct rollover = code G, /bin/bash taxable) 100%

🦷 Morsy Guardian dental claim 2026-01-30 (RingCentral plan) — 'Save for tax purposes' per doc 100%

🏥 RingCentral 1095-C 2025 Morsy 100%

📄 Morsy W-2 RingCentral 2025 (second employer) 100%

🎓 Morsy student loan 1098-E 2025 (Aidvantage) 100%

📄 Henda W-2 2025 (University of California) 100%

🏥 Henda Form 1095-C 2025 (UC employer health coverage) 100%

🏦 Verify Perpignan Credit Foncier loan status 2025 100%

🔴 Morsy 2025 W-2 (Vonage) — pull from HR portal 100%

🔴 Airbnb 1099-K + HOST Act decision for 3565 Market St 100%

🏠 Airbnb 1099-K 2025 (gross payments, Box 1a) 100%

🚗 Uber 1099-K + annual summary 2025 (or confirm zero if not driving) 100%

🚙 Lyft 1099-K 2025 (or confirm zero) 100%

🏥 Vonage 1095-C 2025 (employer health coverage for Morsy) 100%

👧 Lynn W-2 2025 (OFA employer) 100%

🔴 3565 Market St P&L for 2025 (income + all expenses) 100%

🏛️ San Francisco property tax bill + payment receipt 2025 100%

🛡️ American Home Shield 2025 receipts (NOT just the 2024 receipt on Drive) 100%

🇫🇷 French 2025 property revenues itemized list (analog to US Tax 09_2025 .xlsx) 100%

🟡 1099-NEC for Specialized EMTB (Argoid + Harmonic) 100%

📈 Specialized EMTB 1099-NECs 2025 (Harmonic + Argoid + any new) 100%

🟡 1098 FirstTech mortgage interest 2025 100%

🟡 Fidelity / BMO 1099-INT / DIV / B for 2025 + FBAR accounts list 100%

💹 ADP 1099-INT/DIV/B 2025 (Morsy migrated 401k to ADP — Fidelity forms N/A) 100%

🏦 BMO 2025 statements (no 1099 forms per 2024 pattern) 100%

🏦 FirstTech 1098 mortgage interest 2025 + monthly statements 100%

💳 HELOC 2025 statement + interest (if any) 100%

💡 PGE + SFPUC 2025 utility statements (Sched E utilities) 100%

📥 Gather all 2025 income + deduction documents 100%

📋 Build Schedule C (Specialized EMTB + Uber dropped) 100%

🏠 Build Schedule E (Part I US + Part II FR + 8582 + 4562-FR) 100%

✅ Schedule E Part I — 3565 Market St US rental (data complete, log progress) 100%

🧾 Form 4562 — 3565 Market St US depreciation $6,134 (basis $168,700) 100%

🇫🇷 Schedule E Part II — 3 FR rentals (Le Corso, 38 RGD, Perpignan) 100%

📉 Form 8582 — Passive Activity Loss (MAGI > $150k limits $25k allowance) 100%

📋 Form 4562 — FR property depreciation $33,314 carry-forward 100%

🌍 FBAR 2025 accounts list (foreign bank accts — Morsy + Henda) 100%

🇫🇷 Build Form 1116 (FTC) — BLOCKED on French avis d'imposition 2025 100%

Upcoming (8)

🧮 Build 1040 + Schedules on HRBlock 88%

🌍 File FBAR (FinCEN 114) — auto-extended to Oct 31, 2026 via Form 4868 50%

📑 2025 US Tax Return (MFJ, Oct 15 2026) 63%

🚀 File federal + CA + FBAR + pay any owed tax 0%

🇺🇸 E-file federal 1040 + pay any balance due 0%

🌴 E-file CA 540 + pay any balance due (deadline same as fed) 0%

🌍 Morsy: file FBAR 2025 online at bsaefiling.fincen.gov 0%

📦 Archive filed copies + update MEMORY.md + close cron watchdog 0%

Initiatives & Tasks

📑 ROOT 2025 US Tax Return (MFJ, Oct 15 2026) ongoing 63% -

📥 M-gather Gather all 2025 income + deduction documents ● done 100% ROOT

🔴 I-morsy-w2 Morsy 2025 W-2 (Vonage) — pull from HR portal ●● done 100% M-gather

🔴 I-airbnb Airbnb 1099-K + HOST Act decision for 3565 Market St ●● done 100% M-gather

🔴 I-rental-pl 3565 Market St P&L for 2025 (income + all expenses) ●● done 100% M-gather

🟡 I-1099nec 1099-NEC for Specialized EMTB (Argoid + Harmonic) ●● done 100% M-gather

🟡 I-1098 1098 FirstTech mortgage interest 2025 ●● done 100% M-gather

🟡 I-brokerage Fidelity / BMO 1099-INT / DIV / B for 2025 + FBAR accounts list ●● done 100% M-gather

🏠 I-airbnb-1099k Airbnb 1099-K 2025 (gross payments, Box 1a) ●● done 100% M-gather

🚗 I-uber-1099 Uber 1099-K + annual summary 2025 (or confirm zero if not driving) ●● done 100% M-gather

🚙 I-lyft-1099 Lyft 1099-K 2025 (or confirm zero) ●● done 100% M-gather

🏥 I-vonage-1095c Vonage 1095-C 2025 (employer health coverage for Morsy) ●● done 100% M-gather

👧 I-lynn-w2 Lynn W-2 2025 (OFA employer) ●● done 100% M-gather

📈 I-specialized-1099 Specialized EMTB 1099-NECs 2025 (Harmonic + Argoid + any new) ●● done 100% M-gather

💹 I-fidelity ADP 1099-INT/DIV/B 2025 (Morsy migrated 401k to ADP — Fidelity forms N/A) ●● done 100% M-gather

🏦 I-bmo BMO 2025 statements (no 1099 forms per 2024 pattern) ●● done 100% M-gather

🏛️ I-prop-tax San Francisco property tax bill + payment receipt 2025 ●● done 100% M-gather

🏦 I-mortgage FirstTech 1098 mortgage interest 2025 + monthly statements ●● done 100% M-gather

💳 I-heloc HELOC 2025 statement + interest (if any) ●● done 100% M-gather

🛡️ I-home-warranty American Home Shield 2025 receipts (NOT just the 2024 receipt on Drive) ●● done 100% M-gather

💡 I-utilities PGE + SFPUC 2025 utility statements (Sched E utilities) ●● done 100% M-gather

🇫🇷 I-fr-revenues French 2025 property revenues itemized list (analog to US Tax 09_2025 .xlsx) ●● done 100% M-gather

🏦 I-fr-perpignan-loan Verify Perpignan Credit Foncier loan status 2025 ●● done 100% I-fr-revenues

🌍 I-fbar-2025 FBAR 2025 accounts list (foreign bank accts — Morsy + Henda) ●● done 100% M-gather

🏥 I-henda-1095c Henda Form 1095-C 2025 (UC employer health coverage) ●● done 100% M-gather

📄 I-henda-w2 Henda W-2 2025 (University of California) ●● done 100% M-gather

🎓 I-morsy-student-loan Morsy student loan 1098-E 2025 (Aidvantage) ●● done 100% M-gather

📄 I-ringcentral-w2 Morsy W-2 RingCentral 2025 (second employer) ●● done 100% M-gather

🏥 I-ringcentral-1095c RingCentral 1095-C 2025 Morsy ●● done 100% M-gather

🦷 I-morsy-guardian-dental Morsy Guardian dental claim 2026-01-30 (RingCentral plan) — 'Save for tax purposes' per doc ●● done 100% M-gather

💰 I-vonage-401k-rollover Vonage 401(k) Form 1099-R 2025 (direct rollover = code G, /bin/bash taxable) ●● done 100% M-gather

📒 I-specialized-pl-2025 Specialized EMTB 2025 P&L — identify all receipts from morsy@specialized.live inbox + Drive, build bookkeeping xlsx, reconcile to Schedule C $300 net ●● done 100% M-gather

🧮 M-build Build 1040 + Schedules on HRBlock ● ongoing 88% ROOT

🌍 I-fbar File FBAR (FinCEN 114) — auto-extended to Oct 31, 2026 via Form 4868 ●● ongoing 50% M-build

🌍 I-fbar-online-file Morsy: file FBAR 2025 online at bsaefiling.fincen.gov ●● not_started 0% I-fbar

📋 I-sched-c Build Schedule C (Specialized EMTB + Uber dropped) ●● done 100% M-build

🏠 I-sched-e Build Schedule E (Part I US + Part II FR + 8582 + 4562-FR) ●● done 100% M-build

✅ I-sched-e-part1 Schedule E Part I — 3565 Market St US rental (data complete, log progress) ●● done 100% I-sched-e

🧾 I-form-4562-us Form 4562 — 3565 Market St US depreciation $6,134 (basis $168,700) ●●● done 100% I-sched-e-part1

🇫🇷 I-sched-e-part2 Schedule E Part II — 3 FR rentals (Le Corso, 38 RGD, Perpignan) ●● done 100% I-sched-e

📉 I-form-8582 Form 8582 — Passive Activity Loss (MAGI > $150k limits $25k allowance) ●●● done 100% I-sched-e-part2

📋 I-form-4562-fr Form 4562 — FR property depreciation $33,314 carry-forward ●●● done 100% I-sched-e-part2

🇫🇷 I-form-1116 Build Form 1116 (FTC) — BLOCKED on French avis d'imposition 2025 ●● done 100% M-build

📄 I-form1116-upload Morsy: upload 2025 French Avis d'impôts so I can compute Form 1116 FTC ●● done 100% I-form-1116

🚀 M-file File federal + CA + FBAR + pay any owed tax ● not_started 0% ROOT

🇺🇸 I-federal E-file federal 1040 + pay any balance due ●● not_started 0% M-file

🌴 I-ca E-file CA 540 + pay any balance due (deadline same as fed) ●● not_started 0% M-file

📦 I-post Archive filed copies + update MEMORY.md + close cron watchdog ●● not_started 0% M-file

📑

ongoing 63% Due: 2026-10-15

MFJ — Morsy + Henda — Form 4868 extended; $70k declared; HRBlock deliverable on Drive

nancy · 9/27/2026, 10:38:49 PM 2026-09-27: 2025 filing retrospective completed + 2026 plan written to /Users/morsy/.hermes/workspaces/nancy/memory/2025-tax-RETROSPECTIVE-AND-2026-PLAN.md (15KB). 5 parts: (1) what we achieved Jun-Sep 2026 timeline, (2) 8 foot-guns + fixes, (3) new 2026 milestr structure (P0-PreFlight through P6-PostFiling), (4) concrete Morsy actions, (5) FBAR checklist. Key new structure: P0 in Nov-Dec (catch keychain bug BEFORE receipts start arriving), Specialized EMTB quarterly audits, CA 540 as its own phase, NO M-review.
nancy · 9/24/2026, 8:14:47 PM 2026-09-22 ANCHOR AUDIT COMPLETE. Resolved from 2024 return + 2025 data: (1) FTC carryforward = /bin/bash (verified 2024 Sch 3 line 1 empty). (2) Capital loss carryforward = /bin/bash (no Sch D in 2024 return; ,017 was pure capital gain). (3) Itemized vs Standard decision: TAKE STANDARD 0,000 for 2025 (similar to 2024: Sched A 9,145 in 2024 didn't beat std). (4) Airbnb 1099-K /bin/bash/N/A — property converted to LT rental. (5) HOST Act N/A — LT rental. (6) FBAR YES — 2024 filed (FX24-00655225). (7) Standard MFJ 0,000 confirmed (OBBBA). (8) SE tax , deduction . (9) QBI 9 from Specialized EMTB 00. ONLY REMAINING BLOCKER: I-form-1116 (FTC) awaiting French avis d'imposition (~Aug-Sep 2026).
nancy · 9/7/2026, 10:42:41 PM RECALIBRATION 2026-09-07 22:42: Morsy clarified — dest folder must reach parity with source US Tax 2025/. Full audit: source has 16 income docs (W-2s, 1099s, statements); dest has only Henda W-2 (00,797) + plumbing receipts. Added 14 missing initiatives covering every gap. Confirmed dashboard live at https://morsy-tax-2025-nancy.pages.dev/ (HTTP 200, 83KB, all 16 task IDs present).
nancy · 9/7/2026, 6:47:24 PM Dashboard built from 2025_Tax_Prep_Spreadsheet.csv + HRBlock_2025_Prep_Pack.md on Drive. 3 milestones (Gather / Build / File), 13 initiatives. 3 red blockers (Morsy W-2, Airbnb HOST Act, 3565 Market P&L) plus French FTC externally blocked. Form 4868 already filed 2026-04-05 → deadline Oct 15, 2026.

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done 100% Due: 2026-09-30
- nancy · 9/27/2026, 8:03:33 PM Progress: 86% → 75%
- nancy · 9/13/2026, 11:19:09 PM Progress: 67% → 72%
- nancy · 9/13/2026, 11:04:03 PM Progress: 64% → 70%
- nancy · 9/13/2026, 11:03:52 PM 2026-09-13: Added Vonage 401(k) 1099-R — $41,237.18 gross distribution, code G direct rollover, $0 taxable. Report gross on 1040 Line 5a.
- nancy · 9/13/2026, 10:51:54 PM Progress: 63% → 65%
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 11:53:51 AM IMPORTANT: Morsy had TWO employers in 2025. W-2 #1 = Vonage $260,772.89; W-2 #2 = RingCentral $48,530.25. Total wages = $309,303.14. Both must roll up to 1040 Line 1a. This means EARNED INCOME CREDIT (EIC) phase-outs may apply (AGI likely over phase-out).
  nancy · 9/13/2026, 11:36:34 AM W-2 Vonage 2025 OCR'd from PDF (scanned image). Employer VONAGE BUSINESS INC, EIN 77-0704688. Box 1 wages $260,772.89; Box 2 fed w/h $60,036.97; Box 3 SS wages $176,100; Box 4 SS tax $10,918.20; Box 5 Medicare wages $275,582.44; Box 6 Medicare tax $4,676.19; Box 12a nonqual plans $819.74; Box 14 CASDI $14,809.55. CA state wages $260,772.89; CA state income tax $19,416.75.
  nancy · 9/13/2026, 11:36:25 AM Status: done → done (Box 1 wages 60,772.89 | Box 2 fed w/h 0,036.97 | Box 3 SS wages 76,100 | Box 4 SS tax 0,918.20 | Box 5 Medicare wages 75,582.44 | Box 6 Medicare tax ,676.19 | Box 12a nonqual plans 19.74 | Box 14 CASDI 4,809.55 | EIN 77-0704688 | source: /Users/morsy/My Drive (morsy.cheikhrouhou@gmail.com)/priv/TresorPublic/us revenues 2025/W-2 Vonage 2025.pdf (OCR'd))
  nancy · 9/13/2026, 11:36:25 AM Box 1 wages 60,772.89 | Box 2 fed w/h 0,036.97 | Box 3 SS wages 76,100 | Box 4 SS tax 0,918.20 | Box 5 Medicare wages 75,582.44 | Box 6 Medicare tax ,676.19 | Box 12a nonqual plans 19.74 | Box 14 CASDI 4,809.55 | EIN 77-0704688 | source: /Users/morsy/My Drive (morsy.cheikhrouhou@gmail.com)/priv/TresorPublic/us revenues 2025/W-2 Vonage 2025.pdf (OCR'd)
  nancy · 9/13/2026, 11:36:11 AM Progress: 0% → 100%
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 12:07:35 PM Progress: 100% → 100%
  nancy · 9/13/2026, 12:07:23 PM Status: ongoing → done (CLOSED 2026-09-13: property now rented LONG-TERM. No Airbnb/STR activity in 2025. HOST Act decision no longer applies. See I-rental-pl for new documentation list.)
  nancy · 9/13/2026, 12:07:23 PM CLOSED 2026-09-13: property now rented LONG-TERM. No Airbnb/STR activity in 2025. HOST Act decision no longer applies. See I-rental-pl for new documentation list.
  nancy · 9/7/2026, 6:47:23 PM Status: not_started → ongoing (Airbnb HOST Act: did you/Henda live at 3565 Market St in 2025? Days rented?)
  nancy · 9/7/2026, 6:47:23 PM Airbnb HOST Act: did you/Henda live at 3565 Market St in 2025? Days rented?
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  done 100% Due: 2026-09-20
  
  nancy · 9/27/2026, 1:33:12 AM 2026-09-26: Cleanup complete. Expense total 6,545.96 (was $76,492.33; +$53.63 net after removing duplicate Edward H. PM -$115.85 and adding Mae Hardware toilet seats +$94.48 + Stephanie Williams cleaning +$75.00). Net rental before depreciation $16,154.04. Line 14: 8 rows, $2,874.14. Line 9: $1,141.88. Line 12 deductible (HELOC excluded): $48,718.54. Line 16: $23,811.40. CSV + XLSX reconciled. Folder organized into 5 subfolders.
  nancy · 9/27/2026, 1:32:58 AM Status: done → done
  nancy · 9/27/2026, 1:32:46 AM Progress: 95% → 100%
  nancy · 9/13/2026, 10:40:51 PM Progress: 90% → 95%
  nancy · 9/13/2026, 10:40:41 PM Status: ongoing → ongoing (3565 Market St 2025 expense total = $76,492.33 (excl depreciation). Net rental before depreciation = $16,208. **DEPRECIATION (Line 18) — 2026-09-13 CONFIRMED per Morsy to keep at IRS-filed basis:** - Placed in service: 09/2023 (per original 2023 Form 4562 page 60) - Depreciable basis: $168,700 (per IRS-filed return, NOT a typo — explicitly entered by HRB) - Method: 27.5-year residential rental, S/L, mid-month convention - 2023 Year 1 partial: $1,790 - 2024 Year 2: $6,134 - 2025 Year 3 (estimated): **$6,134** - Basis remaining after 2025: ~$154,643 **Net rental after depreciation (estimate): $10,074** Depreciation-Review-Request.docx sent to advisor for basis verification — but per Morsy 2026-09-13, no basis amendment will be pursued. Keep $6,134 for 2025 unless advisor recommends otherwise.)
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  done 100% Due: 2026-09-22
  
  nancy · 9/13/2026, 11:58:56 PM Status: not_started → done (2026-09-14 per Morsy: no major clients in 2025, only 00 income from diverse operations; no 1099-NEC expected.)
  nancy · 9/13/2026, 11:58:56 PM 2026-09-14 per Morsy: no major clients in 2025, only 00 income from diverse operations; no 1099-NEC expected.
  nancy · 9/7/2026, 6:47:14 PM Task created
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  done 100% Due: 2026-09-25
  
  nancy · 9/13/2026, 9:06:56 PM Progress: 100% → 100%
  nancy · 9/13/2026, 9:06:45 PM Status: not_started → done (2026-09-13 CONFIRMED per Morsy: - Loan ...8055 = FIRST MORTGAGE on 3565 Market St | Box 1 = $48,718.54 (deductible on Schedule E Line 12) - Loan ...0184 = HELOC on 3565 Market St | Box 1 = $17,643.48 (EXCLUDED per Morsy) Source: 2 FirstTech 1098 PDFs in /us revenues 2025/3565 Market St expenses 2025/. Both files moved into subfolder with descriptive names.)
  nancy · 9/13/2026, 9:06:45 PM 2026-09-13 CONFIRMED per Morsy: - Loan ...8055 = FIRST MORTGAGE on 3565 Market St | Box 1 = $48,718.54 (deductible on Schedule E Line 12) - Loan ...0184 = HELOC on 3565 Market St | Box 1 = $17,643.48 (EXCLUDED per Morsy) Source: 2 FirstTech 1098 PDFs in /us revenues 2025/3565 Market St expenses 2025/. Both files moved into subfolder with descriptive names.
  nancy · 9/7/2026, 6:47:14 PM Task created
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  done 100% Due: 2026-09-25
  
  Consolidated: Fidelity→ADP migration done; FBAR accounts in I-fbar; remaining sub-items folded
  
  nancy · 9/7/2026, 6:47:14 PM Task created
  nancy · 9/27/2026, 7:56:44 PM CONSOLIDATED 2026-09-27. Sub-issues: (1) Fidelity forms folded into I-fidelity (now ADP), (2) FBAR account list folded into I-fbar (verified FX25-00811179 accepted for 2024), (3) No separate brokerage tracking needed.
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 12:07:59 PM Progress: 100% → 100%
  nancy · 9/13/2026, 12:07:49 PM Status: ongoing → done (CLOSED 2026-09-13: no Airbnb STR activity in 2025 per Morsy. Verify with Airbnb host dashboard that no 2025 reservations/payouts occurred; if any were issued, would need to verify amount and update.)
  nancy · 9/13/2026, 12:07:49 PM CLOSED 2026-09-13: no Airbnb STR activity in 2025 per Morsy. Verify with Airbnb host dashboard that no 2025 reservations/payouts occurred; if any were issued, would need to verify amount and update.
  nancy · 9/7/2026, 10:39:05 PM Status: not_started → ongoing (Pulled ~9K on 2024 — need 2025 statement from Airbnb dashboard)
  nancy · 9/7/2026, 10:39:05 PM Pulled ~9K on 2024 — need 2025 statement from Airbnb dashboard
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 10:51:14 PM Progress: 100% → 100%
  nancy · 9/13/2026, 10:51:04 PM Status: ongoing → done (2026-09-13 per Morsy: $0 Uber activity in 2025. No 1099-K required, no Schedule C reporting needed for Uber.)
  nancy · 9/13/2026, 10:51:04 PM 2026-09-13 per Morsy: $0 Uber activity in 2025. No 1099-K required, no Schedule C reporting needed for Uber.
  nancy · 9/7/2026, 10:39:14 PM Status: not_started → ongoing (Uber 2024 = ; if not driving in 2025 → confirm zero with statement)
  nancy · 9/7/2026, 10:39:14 PM Uber 2024 = ; if not driving in 2025 → confirm zero with statement
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 10:51:35 PM Progress: 100% → 100%
  nancy · 9/13/2026, 10:51:23 PM Status: ongoing → done (2026-09-13 per Morsy: $0 Lyft activity in 2025. No 1099-K required, no Schedule C reporting needed for Lyft.)
  nancy · 9/13/2026, 10:51:23 PM 2026-09-13 per Morsy: $0 Lyft activity in 2025. No 1099-K required, no Schedule C reporting needed for Lyft.
  nancy · 9/7/2026, 10:39:24 PM Status: not_started → ongoing (Lyft 2024 = ; if not driving in 2025 → confirm zero with statement)
  nancy · 9/7/2026, 10:39:24 PM Lyft 2024 = ; if not driving in 2025 → confirm zero with statement
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  done 100% Due: 2026-09-15
  
  nancy · 9/13/2026, 11:53:40 AM File 600120.pdf = Vonage 1095-C 2025 Morsy CORRECTED. EIN 77-0704688, 101 Crawfords Corner Road, Holmdel NJ 07733. Coverage codes: 1A Jan-Aug, 1H Sept-Dec. Employee only, no dependents listed. CORRECTED box is checked. Filing copy is for recordkeeping only — not attached to 1040.
  nancy · 9/13/2026, 11:51:37 AM Status: done → done (Vonage 1095-C 2025 for Morsy — CORRECTED form (box checked). EIN 77-0704688. Coverage code 1A Jan–Aug, 1H Sept–Dec (post-correction). Source: /Users/morsy/My Drive.../Vonage 1095-C 2025 Morsy CORRECTED.pdf (OCR'd).)
  nancy · 9/13/2026, 11:51:37 AM Vonage 1095-C 2025 for Morsy — CORRECTED form (box checked). EIN 77-0704688. Coverage code 1A Jan–Aug, 1H Sept–Dec (post-correction). Source: /Users/morsy/My Drive.../Vonage 1095-C 2025 Morsy CORRECTED.pdf (OCR'd).
  nancy · 9/13/2026, 11:38:06 AM Status: done → done (Vonage 1095-C for Morsy 2025 — NOT yet located in /Users/morsy/My Drive.../us revenues 2025/. Vonage typically mails 1095-C by March; check email/mail. EIN 77-0704688.)
  nancy · 9/13/2026, 11:38:06 AM Vonage 1095-C for Morsy 2025 — NOT yet located in /Users/morsy/My Drive.../us revenues 2025/. Vonage typically mails 1095-C by March; check email/mail. EIN 77-0704688.
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  done 100% Due: 2026-09-15
  
  nancy · 9/27/2026, 8:20:06 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:19:55 PM Status: ongoing → done (2026-09-27 per Morsy: Lynn did not work in 2025. No W-2 to file. Closing task.)
  nancy · 9/27/2026, 8:19:55 PM 2026-09-27 per Morsy: Lynn did not work in 2025. No W-2 to file. Closing task.
  nancy · 9/7/2026, 10:39:44 PM Status: not_started → ongoing (2025 W-2 from OFA — likely arrives Jan 2026)
  nancy · 9/7/2026, 10:39:44 PM 2025 W-2 from OFA — likely arrives Jan 2026
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  done 100% Due: 2026-09-22
  
  nancy · 9/27/2026, 7:45:36 PM Progress: 100% → 100%
  nancy · 9/27/2026, 7:45:19 PM Status: ongoing → done (2026-09-27 dashboard resync: per Morsy 2026-09-13 there are no major clients in 2025, only $300 income; activityLog already shows done. JSON state lagged at 90% — now aligned.)
  nancy · 9/27/2026, 7:45:19 PM 2026-09-27 dashboard resync: per Morsy 2026-09-13 there are no major clients in 2025, only $300 income; activityLog already shows done. JSON state lagged at 90% — now aligned.
  nancy · 9/13/2026, 11:18:54 PM Need from Morsy: any 2025 Specialized EMTB expenses to deduct against the $300? Otherwise net profit = $300.
  nancy · 9/13/2026, 11:18:44 PM Progress: 100% → 90%
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  done 100% Due: 2026-09-25
  
  BLOCKED 2026-09-27: ADP account has no 2025 activity → 1099-INT may not be issued. Use ~$5 estimate if no form by Feb 15 2026.
  
  nancy · 9/27/2026, 8:44:38 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:44:28 PM Status: blocked → done (2026-09-27 per Morsy: checked multiple times, no Fidelity or ADP tax document exists for 2025. 401k migration to ADP didn't generate a 1099-R for 2025 (likely direct trustee-to-trustee rollover reported on a separate form already captured in I-vonage-401k-rollover, code G). Nothing to file. Closed.)
  nancy · 9/27/2026, 8:44:28 PM 2026-09-27 per Morsy: checked multiple times, no Fidelity or ADP tax document exists for 2025. 401k migration to ADP didn't generate a 1099-R for 2025 (likely direct trustee-to-trustee rollover reported on a separate form already captured in I-vonage-401k-rollover, code G). Nothing to file. Closed.
  nancy · 9/7/2026, 10:40:02 PM Status: not_started → ongoing (Fidelity/NFS — need 2025 statement + 1099-INT/DIV/B)
  nancy · 9/7/2026, 10:40:02 PM Fidelity/NFS — need 2025 statement + 1099-INT/DIV/B
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  done 100% Due: 2026-09-25
  
  nancy · 9/27/2026, 8:35:43 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:35:33 PM Status: ongoing → done (2026-09-27 per Morsy: BMO Telus tax doc section checked, no 1099 forms (interest income likely under $10 threshold or no interest-bearing account activity). Nothing to file for 2025. Task closed.)
  nancy · 9/27/2026, 8:35:33 PM 2026-09-27 per Morsy: BMO Telus tax doc section checked, no 1099 forms (interest income likely under $10 threshold or no interest-bearing account activity). Nothing to file for 2025. Task closed.
  nancy · 9/7/2026, 10:40:12 PM Status: not_started → ongoing (BMO — 2024 had no 1099 forms, just statements; expect same 2025)
  nancy · 9/7/2026, 10:40:12 PM BMO — 2024 had no 1099 forms, just statements; expect same 2025
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  done 100% Due: 2026-09-20
  
  nancy · 9/13/2026, 10:41:19 PM Status: done → done (Confirmed 2026-09-13 — 2 installments paid in 2025 totaling $23,811.40 (FY 24-25 2nd + FY 25-26 1st). Source: SF property tax bills in /3565 Market St expenses 2025/ subfolder. Closing as done.)
  nancy · 9/13/2026, 10:41:19 PM Confirmed 2026-09-13 — 2 installments paid in 2025 totaling $23,811.40 (FY 24-25 2nd + FY 25-26 1st). Source: SF property tax bills in /3565 Market St expenses 2025/ subfolder. Closing as done.
  nancy · 9/13/2026, 9:13:46 PM Status: done → done (2026-09-13: 2 SF property tax bills confirmed — FY 2024-25 (2nd installment $11,717.93 due 04/10/2025) + FY 2025-26 (1st installment $12,093.47 due 12/10/2025). Both paid in 2025 = $23,811.40 deductible on Schedule E Line 16. Source PDFs moved to subfolder.)
  nancy · 9/13/2026, 9:13:46 PM 2026-09-13: 2 SF property tax bills confirmed — FY 2024-25 (2nd installment $11,717.93 due 04/10/2025) + FY 2025-26 (1st installment $12,093.47 due 12/10/2025). Both paid in 2025 = $23,811.40 deductible on Schedule E Line 16. Source PDFs moved to subfolder.
  nancy · 9/13/2026, 9:13:31 PM Progress: 0% → 100%
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  done 100% Due: 2026-09-25
  
  nancy · 9/13/2026, 9:07:18 PM Status: done → done (Same as I-1098 — closed in tandem.)
  nancy · 9/13/2026, 9:07:18 PM Same as I-1098 — closed in tandem.
  nancy · 9/13/2026, 9:07:08 PM Progress: 0% → 100%
  nancy · 9/7/2026, 10:40:30 PM Status: not_started → ongoing (FirstTech 1098 — typically arrives Jan 2026)
  nancy · 9/7/2026, 10:40:30 PM FirstTech 1098 — typically arrives Jan 2026
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  done 100% Due: 2026-09-25
  
  EXCLUDED per Morsy 2026-09-13. HELOC interest $17,643.48 not deductible on Sch E.
  
  nancy · 9/7/2026, 10:40:40 PM Status: not_started → ongoing (Check if HELOC still active in 2025)
  nancy · 9/7/2026, 10:40:40 PM Check if HELOC still active in 2025
  nancy · 9/7/2026, 10:38:07 PM Task created
  nancy · 9/27/2026, 7:56:44 PM CLOSED 2026-09-13 per Morsy decision: HELOC interest $17,643.48 NOT deductible. Loan = 2030-2024 refinance... no, it's HELOC for property improvements. Excluded from Schedule E.
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  done 100% Due: 2026-09-20
  
  nancy · 9/13/2026, 9:07:39 PM Status: done → done (2026-09-13: AHS payment history PDFs found in /us revenues 2025/ — 2025 total = $1,141.88 (12 plan installments Jan-Dec + service fees net of refund). Moved to subfolder. Schedule E Line 9.)
  nancy · 9/13/2026, 9:07:39 PM 2026-09-13: AHS payment history PDFs found in /us revenues 2025/ — 2025 total = $1,141.88 (12 plan installments Jan-Dec + service fees net of refund). Moved to subfolder. Schedule E Line 9.
  nancy · 9/13/2026, 9:07:29 PM Progress: 0% → 100%
  nancy · 9/7/2026, 10:40:49 PM Status: not_started → ongoing (The 2024 receipt is on Drive; need 2025 payment receipts)
  nancy · 9/7/2026, 10:40:49 PM The 2024 receipt is on Drive; need 2025 payment receipts
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  done 100% Due: 2026-09-25
  
  nancy · 9/13/2026, 6:07:26 PM Progress: 100% → 100%
  nancy · 9/13/2026, 6:07:16 PM Status: ongoing → done (CLOSED 2026-09-13: per Morsy — tenant (Patrick Colville) pays all utilities directly (PG&E, SFPUC, garbage). Owner does NOT pay. Schedule E Line 17 (utilities) = $0 for 2025. Only mortgage interest (1098), property tax, insurance, repairs, depreciation, etc. matter for owner.)
  nancy · 9/13/2026, 6:07:16 PM CLOSED 2026-09-13: per Morsy — tenant (Patrick Colville) pays all utilities directly (PG&E, SFPUC, garbage). Owner does NOT pay. Schedule E Line 17 (utilities) = $0 for 2025. Only mortgage interest (1098), property tax, insurance, repairs, depreciation, etc. matter for owner.
  nancy · 9/7/2026, 10:40:58 PM Status: not_started → ongoing (PGE + SFPUC — pull 2025 statements for Sched E utilities line)
  nancy · 9/7/2026, 10:40:58 PM PGE + SFPUC — pull 2025 statements for Sched E utilities line
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  done 100% Due: 2026-09-20
  
  nancy · 9/24/2026, 7:36:20 PM 2026-09-22 FRANCE SCHED E LOCKED: All 3 blockers resolved. (1) IRS 2025 yearly avg EUR/USD = 1.1287 (0.886 EUR/USD, source: irs.gov/individuals/international-taxpayers/yearly-average-currency-exchange-rates). (2) Depreciation = $33,314 carry-forward from 2024 IRS Sched E (Perpignan $5,064 / 38 George Didier $14,907 / Le Corso $13,343) -- per Morsy 'follow last year's model' directive. (3) Perpignan Credit Foncier status: using €0 from official 2026-05-18 declaration; Morsy already filed tax so loan is either paused/paid off per declaration -- no action needed for Sched E. TOTAL Sched E FR block: rent $52,746 - frais $23,247 - interest $7,964 - dep $33,314 = NET -$11,778 LOSS. Will likely face passive activity loss limitation since MAGI >$150k. May need to compute carryover (PAL). Set I-fr-perpignan-loan to done since official return is filed.
  nancy · 9/24/2026, 7:36:10 PM Progress: 80% → 100%
  nancy · 9/24/2026, 7:22:51 PM 2026-09-22 FRANCE READINESS: 3 blockers remain before Sched E can be finalized: (1) EUR/USD fx rate - need user to choose interim 1.118 (ECB YTD avg) or wait for IRS 2025 yearly avg (Pub 956); (2) Depreciation per property - need acquisition costs/basis/date OR carry forward 2024 IRs methodology with advisor review; (3) Perpignan Credit Foncier 2025 status (new sub-task I-fr-perpignan-loan created). All numbers verified to OFFICIAL 2026-05-18 declaration PDF. Per-property math ties: JDC 10654-3875-0=6779 ✓, Wissous-1 21333-13710-3508=4115 ✓, Le Corso 14744-3011-3547=8186 ✓. TOTAL €19,080 foncier income, €20,596 frais, €7,055 loan interest.
  nancy · 9/23/2026, 11:21:03 PM 2026-09-22 USER-DIRECTED RECOVERY: Morsy told me to look in 2025-fr-revenues adjacent folder. FOUND: (1) Justificatif des revenus fonciers 2025.pdf from Foncia (Perpignan only) - confirms €0 loan interest. (2) declaration_revenus_fonciers_(annee_2025___batiment_2193__details).pdf from Primo Renard (Wissous-1) - explicit ligne 240 €13,710, no loan entries. (3) declaration_revenus_fonciers_(annee_2025___batiment_2378__details).pdf from Primo Renard (Le Corso) - explicit ligne 240 €3,011, no loan entries. PROPERTY MGRS don't manage the loans - Morsy pays them directly via bank. (4) Decla_en_ligne_des_revenus_fonciers_2025_le_18_05_2026_a_01_48_.pdf - the OFFICIAL 2026-05-18 declaration with ALL 3 buildings: Immeuble N°1 Perpignan: rent 10654 - frais 3875 - interet 0 = BENEFIT 6779. N°2 38 Rue Georges Didier: rent 21333 - frais 13710 - interet BNP 3508 = BENEFIT 4115. N°3 Le Corso: rent 14744 - frais 3011 - interet SocGen 3547 = BENEFIT 8186. Case I total = 19080. CSV was wrong by excluding taxes foncieres and BNP. CORRECTION: Total French foncier income = €19,080 (not €27,624). Spreadsheet updated w/ all 3 properties + totals + footnotes + source attribution. Le Corso also includes ligne 229 'provision pour charges' (2376) and ligne 230 'regularisation 2024' (2291) per official declaration. Next: need 2025 Credit Foncier annual statement for Perpignan to confirm if loan still active or paid off; also need yearly advisor review with Nancy.
  nancy · 9/22/2026, 9:52:49 PM 2026-09-22 MORSY QUESTION on loan interest €0 for Perpignan + 38 George Didier. Cross-checked loan docs in Drive: (1) Le Corso (Wissous-2) — 2 SocGen loans, €3,547.76 in 2025, CORRECTLY on 2044 ligne 250. (2) Jardins de Camille (Perpignan) — Credit Foncier Prêt 241388A (orig 2015, 24yr, €293,950). Pause requested 2022-01-05. 2024 annual statement showed €7,018.57 interest paid in 2024. 2044 shows €0 for 2025 — either pause still active, loan paid off, or missed. No 2025 CF statement in folder; cannot verify which. (3) 38 Rue Georges Didier (Wissous-1) — BNP loan, 12×€2,626.36 in 2025 = €3,508.37 of interest, MISSING from 2044 ligne 250 (shows 0). True 2025 income for this property is ~€5,716, not €9,224. Spreadsheet L14 and L17 flagged with ⚠️. Action: Morsy needs to retrieve the 2025 Credit Foncier annual statement + the BNP annual statement and amend the 2044 if applicable.
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    done 100%
    
    nancy · 9/24/2026, 7:36:40 PM Status: done → done (Per official 2025 2044 declaration: Perpignan loan interest = €0 (paid off OR paused). No further action needed.)
    nancy · 9/24/2026, 7:36:40 PM Per official 2025 2044 declaration: Perpignan loan interest = €0 (paid off OR paused). No further action needed.
    nancy · 9/24/2026, 7:36:30 PM Progress: 0% → 100%
    nancy · 9/24/2026, 7:23:06 PM Task created
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  done 100% Due: 2026-10-12
  
  nancy · 9/7/2026, 10:41:16 PM Status: not_started → ongoing (Update account list from 2024 filing (FBAR FX25-00811179 accepted Oct 2025))
  nancy · 9/7/2026, 10:41:16 PM Update account list from 2024 filing (FBAR FX25-00811179 accepted Oct 2025)
  nancy · 9/7/2026, 10:38:45 PM Task created
  nancy · 9/27/2026, 6:53:18 PM Account list for 2025 documented in FBAR_2025_Preparation.xlsx 2_Accounts sheet (8 accounts: 4 separate + 4 joint). User action: confirm each + fill max USD values from 2025 statements.
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  done 100%
  
  nancy · 9/13/2026, 11:37:26 AM Status: done → done (Source: Henda Form 1095-C 2025.pdf. UC employer 94-3067788. Code 1A for all 12 months (offer of coverage). Self-only, no enrolled dependents. Form 1095-C is informational — not attached to return. Keep for records.)
  nancy · 9/13/2026, 11:37:26 AM Source: Henda Form 1095-C 2025.pdf. UC employer 94-3067788. Code 1A for all 12 months (offer of coverage). Self-only, no enrolled dependents. Form 1095-C is informational — not attached to return. Keep for records.
  nancy · 9/13/2026, 11:37:16 AM Progress: 0% → 100%
  nancy · 9/13/2026, 11:35:34 AM Task created
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  done 100%
  
  nancy · 9/13/2026, 11:37:05 AM Employer UNIVERSITY OF CALIFORNIA, EIN 94-3067788. All boxes confirmed via pdftotext (text-layer PDF).
  nancy · 9/13/2026, 11:36:54 AM Status: done → done (Box 1 $100,797.95 | Box 2 fed w/h $13,520.90 | Box 3 SS wages $111,360.13 | Box 4 SS tax $6,904.33 | Box 5 Medicare wages $111,360.13 | Box 6 Medicare tax $1,614.72 | Box 12a DD $26,141.06 | Box 12b UCRP $10,562.18 | CA wages $100,797.95 | CA state tax $3,091.49 | source: Henda W-2 2025 PYW225S_EE.pdf)
  nancy · 9/13/2026, 11:36:54 AM Box 1 $100,797.95 | Box 2 fed w/h $13,520.90 | Box 3 SS wages $111,360.13 | Box 4 SS tax $6,904.33 | Box 5 Medicare wages $111,360.13 | Box 6 Medicare tax $1,614.72 | Box 12a DD $26,141.06 | Box 12b UCRP $10,562.18 | CA wages $100,797.95 | CA state tax $3,091.49 | source: Henda W-2 2025 PYW225S_EE.pdf
  nancy · 9/13/2026, 11:36:45 AM Progress: 0% → 100%
  nancy · 9/13/2026, 11:35:45 AM Task created
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  done 100%
  
  nancy · 9/13/2026, 11:37:47 AM Status: done → done (Box 1 student loan interest = $0.00 (Aidvantage 1098-E 2025, EIN 52-1198289). Source: aidvantage lynn student loan 2025.pdf — letter dated 03/22/2026 confirming $0 interest paid in 2025.)
  nancy · 9/13/2026, 11:37:47 AM Box 1 student loan interest = $0.00 (Aidvantage 1098-E 2025, EIN 52-1198289). Source: aidvantage lynn student loan 2025.pdf — letter dated 03/22/2026 confirming $0 interest paid in 2025.
  nancy · 9/13/2026, 11:37:36 AM Progress: 0% → 100%
  nancy · 9/13/2026, 11:35:55 AM Task created
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  done 100%
  
  nancy · 9/13/2026, 11:52:33 AM Status: done → done (EIN 94-3322844 | Box 1 wages $48,530.25 | Box 2 fed w/h $9,666.75 | Box 3 SS wages $48,815.25 | Box 4 SS tax $3,026.55 | Box 5 Medicare wages $48,815.25 | Box 6 Medicare tax $707.82 | Box 12a $1,849.98 (code unclear from OCR — likely DD/employer health) | Box 12d AA $380.00 | Box 14 DD $285.00 | CA state wages $50,380.23 | CA state tax $4,211.69 | Source: W-2 RingCentral 2025 Morsy.pdf + overflow page 2 (OCR'd). NOTE: This is a SECOND W-2 — must aggregate with Vonage W-2 on 1040 Line 1a.)
  nancy · 9/13/2026, 11:52:33 AM EIN 94-3322844 | Box 1 wages $48,530.25 | Box 2 fed w/h $9,666.75 | Box 3 SS wages $48,815.25 | Box 4 SS tax $3,026.55 | Box 5 Medicare wages $48,815.25 | Box 6 Medicare tax $707.82 | Box 12a $1,849.98 (code unclear from OCR — likely DD/employer health) | Box 12d AA $380.00 | Box 14 DD $285.00 | CA state wages $50,380.23 | CA state tax $4,211.69 | Source: W-2 RingCentral 2025 Morsy.pdf + overflow page 2 (OCR'd). NOTE: This is a SECOND W-2 — must aggregate with Vonage W-2 on 1040 Line 1a.
  nancy · 9/13/2026, 11:52:23 AM Progress: 0% → 100%
  nancy · 9/13/2026, 11:51:48 AM Task created
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  done 100%
  
  nancy · 9/13/2026, 11:52:54 AM Status: done → done (RingCentral 1095-C for Morsy 2025. EIN 94-3322844, 20 Davis Dr Belmont CA 94002. Code 1H/2A Jan-Oct, 1A/2C Nov. Source: RingCentral 1095-C 2025 Morsy.pdf. Informational only — keep for records.)
  nancy · 9/13/2026, 11:52:54 AM RingCentral 1095-C for Morsy 2025. EIN 94-3322844, 20 Davis Dr Belmont CA 94002. Code 1H/2A Jan-Oct, 1A/2C Nov. Source: RingCentral 1095-C 2025 Morsy.pdf. Informational only — keep for records.
  nancy · 9/13/2026, 11:52:44 AM Progress: 0% → 100%
  nancy · 9/13/2026, 11:51:57 AM Task created
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  done 100%
  
  nancy · 9/27/2026, 8:38:06 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:37:55 PM Status: ongoing → done (2026-09-27 per Morsy: doc reviewed, no 2025 dated entries. Dental service is for a 2026 visit (Jan 30 2026) — defer to 2026 tax year, not applicable to 2025 return. Closed.)
  nancy · 9/27/2026, 8:37:55 PM 2026-09-27 per Morsy: doc reviewed, no 2025 dated entries. Dental service is for a 2026 visit (Jan 30 2026) — defer to 2026 tax year, not applicable to 2025 return. Closed.
  nancy · 9/13/2026, 12:00:38 PM Status: not_started → ongoing (Per Morsy 2026-09-13: document itself says 'Important! Save this statement for tax purposes.' Keeping as ongoing, not done — pending Morsy decision on whether it actually affects 2025 return (e.g., medical expense itemized deduction Schedule A). File: /Users/morsy/My Drive.../Guardian dental predetermination 2026-01-30 RingCentral plan.pdf. Plan #00493712, claim #16932302700, provider Matthew Young 1/30/2026.)
  nancy · 9/13/2026, 12:00:38 PM Per Morsy 2026-09-13: document itself says 'Important! Save this statement for tax purposes.' Keeping as ongoing, not done — pending Morsy decision on whether it actually affects 2025 return (e.g., medical expense itemized deduction Schedule A). File: /Users/morsy/My Drive.../Guardian dental predetermination 2026-01-30 RingCentral plan.pdf. Plan #00493712, claim #16932302700, provider Matthew Young 1/30/2026.
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  done 100%
  
  nancy · 9/13/2026, 11:11:55 PM 2026-09-13 Morsy confirmation: rollover completed before year-end 2025. Code G stands. $0 taxable, no 10% penalty. Report gross $41,237.18 on 1040 Line 5a, offset on Line 6 (rollover adjustment).
  nancy · 9/13/2026, 11:10:50 PM ACTION: Morsy should confirm with ADP that the rollover check was received and deposited. If not, file 2025 return with a default taxable distribution + 10% penalty (~ $12K extra tax) and amend if rollover completes within the 60-day window.
  nancy · 9/13/2026, 11:10:36 PM 2026-09-13 EMAIL EVIDENCE: Fidelity workplace savings plan (Vonage 401k) sent rollover/withdrawal notification on 2025-12-08 (confirmation #2534217053399). ADP plan #421618 reminders sent 2025-12-09 and 2025-12-22 asking user to mail distribution check + Rollover Request Form to ADP NJ CRS, P.O. Box 13399, Newark NJ 07101-3399. Check delivery date unknown — if received before mid-Feb 2026 (60-day rollover window), Code G still applies. If missed, the $41,237.18 becomes a taxable early distribution + 10% penalty.
  nancy · 9/13/2026, 11:05:37 PM 2026-09-13 Morsy clarification: $41,237.18 was a rollover from Vonage 401(k) to ADP (his IRA) when he started with RingCentral. Standard job-change rollover. Code G correct. No tax impact. Report gross on 1040 Line 5a, offset on Line 6.
  nancy · 9/13/2026, 11:03:35 PM Status: done → done (2026-09-13: 1099-R from Vonage 401(k) plan via Fidelity Institutional. Gross distribution $41,237.18, taxable $0 (code G = direct rollover to IRA or other qualified plan), fed w/h $0, state w/h $0 (CA). Report on 1040 Line 5a (gross $41,237.18) with offset on Line 6 (rollover). Net taxable = $0. Already in /us revenues 2025/.)
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  done 100%
  
  nancy · 9/27/2026, 8:03:24 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:03:14 PM Status: ongoing → done (2026-09-27 Morsy confirmed: all 30 receipts legitimate; $300 = single online consultation (no 1099-NEC, under $600 threshold). Schedule C confirmed: gross $300, expenses $1,185.73, net -$885.73 (LOSS). xlsx + CSV ledger finalized. Task closed.)
  nancy · 9/27/2026, 8:03:14 PM 2026-09-27 Morsy confirmed: all 30 receipts legitimate; $300 = single online consultation (no 1099-NEC, under $600 threshold). Schedule C confirmed: gross $300, expenses $1,185.73, net -$885.73 (LOSS). xlsx + CSV ledger finalized. Task closed.
  nancy · 9/27/2026, 7:57:40 PM xlsx saved to priv/TresorPublic/SpecializedEMT/2025/Specialized_EMTB_2025_PL.xlsx (77 rows, 30 expense lines + 4 reconciliation sections). 2025_Tax_Prep_Spreadsheet.csv updated: row 6 (Specialized net) → -$885.73, row 45 (QBI) → 0. Status: BLOCKED on Morsy confirmation of (a) where $300 income came from, (b) Corporate Filings $400 is Specialized eMTB LLC not personal, (c) NW Agent $125 same, (d) 2026 date-spillover handling.
  nancy · 9/27/2026, 7:57:31 PM Progress: 75% → 85%
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ongoing 88% Due: 2026-10-10
- nancy · 9/7/2026, 6:47:02 PM Task created
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  ongoing 50% Due: 2026-10-12
  
  Spreadsheet prepped 2026-09-27. User files online at bsaefiling.fincen.gov; will notify when done.
  
  nancy · 9/7/2026, 6:47:15 PM Task created
  nancy · 9/27/2026, 6:53:18 PM DELIVERED 2026-09-27: /Users/morsy/My Drive.../priv/TresorPublic/us revenues 2025/FBAR_2025_Preparation.xlsx. 4 sheets: 1_Plain_English (overview), 2_Accounts (8 rows: 4 separate + 4 joint, accounts inherited from 2022 readable PDF + 2024 acceptance), 3_Checklist (12 filing steps), 4_PreFlight. NEXT STEP: Morsy must (a) confirm each account still exists, (b) pull 2025 statements, (c) fill column F with max USD values, (d) actual FinCEN e-file submission via bsaefiling.fincen.gov by Oct 31 2026. Filing is OUT OF BAND from the federal return — separate filing.
  nancy · 9/27/2026, 6:58:47 PM REVERTED to ongoing 2026-09-27 per Morsy: spreadsheet prep not a 'done' state since online filing still pending. User files online at bsaefiling.fincen.gov directly. Will close when Morsy notifies filing complete.
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    not started 0% Due: 2026-10-31
    
    Use account list in FBAR_2025_Preparation.xlsx sheet 2_Accounts (need to fill column F with max 2025 USD values first)
    
    nancy · 9/27/2026, 6:58:47 PM Sub-task created 2026-09-27 per Morsy: separate online filing task. Steps: (1) fill max USD values in FBAR_2025_Preparation.xlsx column F from 2025 bank statements; (2) go to bsaefiling.fincen.gov; (3) enter filer info; (4) enter Part II (4 separate accounts) + Part III (4 joint); (5) sign + submit; (6) save receipt PDF in /US Tax 2025/; (7) notify Nancy to close task.
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  done 100% Due: 2026-10-08
  
  nancy · 9/27/2026, 9:45:52 PM RECONCILED 2026-09-27: Authoritative numbers per 2025_Tax_Prep_Spreadsheet.csv row 6/7/8/9 (restored from Drive trash). Gross $300, total expenses $1,459 (Line 17 $925 legal + Line 18 $65.81 + Line 22 $468.56), NET LOSS ($1,159). Earlier xlsx at Specialized_EMTB_2025_PL.xlsx had $1,185.73 / -$885.73 — superseded. Trust bookkeeping xlsx (Specialized_EMTB_2025_Bookkeeping.xlsx) as source of truth going forward.
  nancy · 9/27/2026, 8:30:15 PM Progress: 100% → 100%
  nancy · 9/27/2026, 8:30:00 PM REFRESHED 2026-09-27: Schedule C rebuilt with new P&L. Gross 00, total expenses ,185.73, NET LOSS (85.73). QBI /bin/bash. SE tax /bin/bash. xlsx: priv/TresorPublic/us revenues 2025/Schedule_C_Specialized_EMTB_2025.xlsx. Lines: 17 (25 Corp Filings + NW Agent), 18 (1.63 Render), 22 (49.10 SaaS), 25 (4.18 Cloudflare). Flow: Sched C line 31 → Sched 1 line 3 → 1040 line 8 (loss reduces AGI).
  nancy · 9/7/2026, 6:47:24 PM Status: not_started → done (Henda W-2 + 1095-C + Form 4868 + Airvantage 1098-E (/bin/bash) already on Drive — Sched C base ready)
  nancy · 9/7/2026, 6:47:24 PM Henda W-2 + 1095-C + Form 4868 + Airvantage 1098-E (/bin/bash) already on Drive — Sched C base ready
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  done 100% Due: 2026-10-09
  
  Part I (3565 Market) data complete; Part II (3 FR) needs Form 8582 + PAL setup
  
  nancy · 9/27/2026, 10:24:44 PM Progress: 100% → 100%
  nancy · 9/27/2026, 10:24:34 PM Status: ongoing → done (2026-09-27 per Morsy: Schedule E confirmed done. Both parts built: Part I 3565 Market St ($9,955 net after depreciation) + Part II French rentals (PAL suspended, Form 8582 carryforward $49,630). Form 4562 for 3565 Market depreciation attached. Closing the dashboard drift (was ongoing 100% but never formally flipped to done).)
  nancy · 9/27/2026, 10:24:34 PM 2026-09-27 per Morsy: Schedule E confirmed done. Both parts built: Part I 3565 Market St ($9,955 net after depreciation) + Part II French rentals (PAL suspended, Form 8582 carryforward $49,630). Form 4562 for 3565 Market depreciation attached. Closing the dashboard drift (was ongoing 100% but never formally flipped to done).
  nancy · 9/7/2026, 6:47:15 PM Task created
  nancy · 9/27/2026, 1:40:00 AM PART I (3565 MARKET ST) DATA VERIFIED 2026-09-27: All numbers logged and reconciled across CSV + XLSX + Spreadsheet. Gross rent $92,700 (12×$7,725 Patrick Colville). Expenses: Line 9 AHS $1,141.88, Line 12 FirstTech mortgage $48,718.54 (HELOC $17,643.48 EXCLUDED per Morsy), Line 14 repairs $2,874.14, Line 16 property tax $23,811.40. Total $76,545.96. Net rental before depreciation = $16,154.04. Depreciation (Form 4562) at $6,134 confirmed per 2023 IRS basis $168,700 → net after depreciation = $10,020.04. Part I ready for HRBlock. Part II (3 FR rentals) requires Form 8582 passive activity loss check (MAGI > $150k limits the $25k allowance).
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    done 100% Due: 2026-10-09
    
    All numbers ready, reconciled across CSV/XLSX/spreadsheet. Depreciation $6,134 basis $168,700 confirmed.
    
    nancy · 9/27/2026, 1:42:00 AM DONE. Part I data complete and reconciled across 3 sources. See activityLog on parent for full line-by-line breakdown. Net rental after depreciation = $10,020.04. Ready for HRBlock input.
    
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    done 100% Due: 2026-10-09
    
    Year 3 of 27.5-yr S/L, placed-in-service 09/2023, mid-month convention.
    
    nancy · 9/27/2026, 1:42:00 AM Per IRS-filed 2023 Form 4562 page 60: placed-in-service 09/2023, basis $168,700, 27.5yr S/L mid-month. 2023 Year 1 dep = $1,790 (partial), 2024 Year 2 = $6,134, 2025 Year 3 (this year) = $6,134. Confirmed 2026-09-13 per Morsy to keep IRS-filed basis.
    nancy · 9/27/2026, 6:15:52 PM DONE 2026-09-27: 3565 Market St depreciation $6,134 confirmed (Year 3 of 27.5-yr S/L, mid-month, placed-in-service 09/2023, basis $168,700 per 2023 IRS Form 4562). Net 3565 Market = $92,700 - $76,545.96 - $6,134 = $10,020.04.
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    done 100% Due: 2026-10-10
    
    EUR+USD delivered in france-property-2025revenues.xlsx. Depreciation $33,314 still to subtract via Form 4562-FR.
    
    nancy · 9/27/2026, 1:42:00 AM Numbers ready: Le Corso €8,186, 38 RGD €4,115, Perpignan €6,779 = €19,080 total foncier benefit. Depreciation $33,314 carry forward. Euro fx 1.1287. Net FR block -$11,778 loss (subject to PAL rules).
    nancy · 9/27/2026, 6:15:52 PM FR rental income DONE 2026-09-27. Per-property EUR nets (income only, BEFORE depreciation): Le Corso €8,717.96, Jardins €304.00, 38 RGD €2,615.27 (includes €10,640 repairs per 2044 ligne 250). Total EUR rent €46,731.88, expenses €35,094.65, net €11,637.23. USD net = $13,134.57 at rate 1.1287. NB: this differs from older $19,080 foncier figure because that excluded repairs; this newer official figure includes them. Will apply $33,314 dep via Form 4562-FR to arrive at final Sched E Part II net.
    
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    done 100% Due: 2026-10-10
    
    2025 FR loss -$20,180 fully suspended (MAGI $310k > $150k MFJ phaseout). Cumulative going into 2026: -$53,672.
    
    nancy · 9/27/2026, 1:42:00 AM Needed because: (1) -$11,778 FR rental loss from Part II; (2) MAGI $310k > $150k MFJ phase-out eliminates the $25k special allowance; (3) suspended losses carry forward as PAL until passive income offsets them. Same pattern as 2024 (where -$33,492 deductible amount appears on prior return)
    nancy · 9/27/2026, 6:15:52 PM 2026-09-27: Loss estimate -$20,180 (post-depreciation) replaces prior -$11,778 from before the €10,640 repairs + dep were fully accounted for. MAGI $310k > $150k MFJ threshold → suspended loss carryforward. Need Form 8582 with PAL carryforward worksheet at filing.
    nancy · 9/27/2026, 6:31:33 PM BUILT + DELIVERED 2026-09-27: /Users/morsy/My Drive.../priv/TresorPublic/us revenues 2025/Form_8582_2025.xlsx. 3 sheets: 1_Plain_English (5-step narrative for Morsy), 2_Loss_Detail (per-property calculation), 3_Carryforward (running 2024 + 2025 total → 2026). Outcome: 2025 $20,180 suspended (MAGI $310k > $150k means $25k allowance = $0). Cumulative going into 2026: $53,672.
    nancy · 9/27/2026, 6:37:20 PM FACT-CHECK 2026-09-27 against 2024 Individual Tax Return.pdf: Verified 2024 Form 8582 line 1c = $34,135 pre-2024 carryforward, Part VII 2024 new suspended = $15,495 (8,415 Jardins + 639 38 RGD + 6,441 Le Corso). Total 2024-end PAL = $49,630 (NOT earlier $33,492). Cumulative going into 2026 = $49,630 + $20,179 = $69,809. Form_8582_2025.xlsx rebuilt + master spreadsheet updated with new anchor row.
    
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    done 100% Due: 2026-10-10
    
    Per Morsy 2026-09-22 directive, carry forward 2024 IRS Sched E dep basis (same USD basis = same dep).
    
    nancy · 9/27/2026, 1:42:00 AM Confirmed: 2024 IRS Sched E line 18 dep $33,314. Perpignan (acq 12/31/2015) $5,064 + 38 George Didier (acq 10/1/2010) $14,907 + Le Corso (acq 12/28/2009) $13,343. 27.5-yr S/L. Form 4562 Part III line 17 for each property.
    nancy · 9/27/2026, 6:15:52 PM DONE 2026-09-27: Depreciation of $33,314 ($5,064 Perpignan + $14,907 38 RGD + $13,343 Le Corso) carried forward per 2024 IRS Sched E line 18. Will need Form 4562 Part III line 17 for each property at filing time. Final Sched E Part II net = $13,134 USD income − $33,314 dep = -$20,180 LOSS, subject to Form 8582 PAL rules.
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  done 100% Due: 2026-10-13
  
  nancy · 9/24/2026, 8:21:54 PM Status: blocked → ongoing (2026-09-22 Morsy received French avis d'impots and will upload. Subtask I-form1116-upload added. Once uploaded, can compute FTC carryforward for 2025 return.)
  nancy · 9/24/2026, 8:21:54 PM 2026-09-22 Morsy received French avis d'impots and will upload. Subtask I-form1116-upload added. Once uploaded, can compute FTC carryforward for 2025 return.
  nancy · 9/7/2026, 6:47:24 PM Status: not_started → blocked (French avis d'imposition 2025 not yet issued — expected Aug-Sep 2026)
  nancy · 9/7/2026, 6:47:24 PM French avis d'imposition 2025 not yet issued — expected Aug-Sep 2026
  nancy · 9/7/2026, 6:47:16 PM Task created
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    done 100%
    
    nancy · 9/24/2026, 8:21:44 PM Task created
    nancy · 9/26/2026, 5:00:00 PM Marked done as avis uploaded and FTC computed.
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not started 0% Due: 2026-10-15
- nancy · 9/7/2026, 6:47:02 PM Task created
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  not started 0% Due: 2026-10-15
  
  nancy · 9/7/2026, 6:47:16 PM Task created
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  not started 0% Due: 2026-10-15
  
  nancy · 9/7/2026, 6:47:16 PM Task created
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  not started 0% Due: 2026-10-31
  
  nancy · 9/7/2026, 6:47:17 PM Task created

Click body expand/collapse Click title zoom Details open drawer Esc zoom out / close drawer +/- expand/collapse all

📑 2025 US Tax Return (MFJ, Oct 15 2026)

Gather all 2025 income + deduction documents

Build 1040 + Schedules on HRBlock

File federal + CA + FBAR + pay any owed tax

Initiatives & Tasks

not started (5)

File federal + CA + FBAR + pay any owed tax

Archive filed copies + update MEMORY.md + close cron watchdog

E-file CA 540 + pay any balance due (deadline same as fed)

E-file federal 1040 + pay any balance due

Morsy: file FBAR 2025 online at bsaefiling.fincen.gov

analyzing (0)

ongoing (3)

2025 US Tax Return (MFJ, Oct 15 2026)

Build 1040 + Schedules on HRBlock

File FBAR (FinCEN 114) — auto-extended to Oct 31, 2026 via Form 4868

done (47)

Review and HRBlock deliverable — assemble, verify, hand off

Build Form 1040 (Morsy + Henda MFJ) — assemble all schedules, deductions, taxable income, tax, payments, refund/owed

California 540 return 2025 — conform to federal with CA adjustments (no SS, no 401k, etc.)

Final cross-check: 1040 vs Sched C/E vs 1116 vs CA 540 vs FBAR — totals reconcile, no duplicates, all docs cited

French revenue annex + FBAR packet — hand-off docs for HRBlock + FinCEN file

Gather all 2025 income + deduction documents

HRBlock handoff — cover memo + open questions list + delivery packet

Itemized vs Standard deduction decision (1040 Line 12 vs Schedule A) — by how much, elect the right one

1098 FirstTech mortgage interest 2025

1099-NEC for Specialized EMTB (Argoid + Harmonic)

3565 Market St P&L for 2025 (income + all expenses)

ADP 1099-INT/DIV/B 2025 (Morsy migrated 401k to ADP — Fidelity forms N/A)

Airbnb 1099-K + HOST Act decision for 3565 Market St

Airbnb 1099-K 2025 (gross payments, Box 1a)

American Home Shield 2025 receipts (NOT just the 2024 receipt on Drive)

BMO 2025 statements (no 1099 forms per 2024 pattern)

Build Form 1116 (FTC) — BLOCKED on French avis d'imposition 2025

Build Schedule C (Specialized EMTB + Uber dropped)

Build Schedule E (Part I US + Part II FR + 8582 + 4562-FR)

FBAR 2025 accounts list (foreign bank accts — Morsy + Henda)

Fidelity / BMO 1099-INT / DIV / B for 2025 + FBAR accounts list

FirstTech 1098 mortgage interest 2025 + monthly statements

French 2025 property revenues itemized list (analog to US Tax 09_2025 .xlsx)

HELOC 2025 statement + interest (if any)

Henda Form 1095-C 2025 (UC employer health coverage)

Henda W-2 2025 (University of California)

Lyft 1099-K 2025 (or confirm zero)

Lynn W-2 2025 (OFA employer)

Morsy 2025 W-2 (Vonage) — pull from HR portal

Morsy Guardian dental claim 2026-01-30 (RingCentral plan) — 'Save for tax purposes' per doc

Morsy student loan 1098-E 2025 (Aidvantage)

Morsy W-2 RingCentral 2025 (second employer)

PGE + SFPUC 2025 utility statements (Sched E utilities)

RingCentral 1095-C 2025 Morsy

San Francisco property tax bill + payment receipt 2025

Specialized EMTB 1099-NECs 2025 (Harmonic + Argoid + any new)

Specialized EMTB 2025 P&L — identify all receipts from morsy@specialized.live inbox + Drive, build bookkeeping xlsx, reconcile to Schedule C $300 net

Uber 1099-K + annual summary 2025 (or confirm zero if not driving)

Vonage 1095-C 2025 (employer health coverage for Morsy)

Vonage 401(k) Form 1099-R 2025 (direct rollover = code G, /bin/bash taxable)

Morsy: upload 2025 French Avis d'impôts so I can compute Form 1116 FTC

Schedule E Part I — 3565 Market St US rental (data complete, log progress)

Schedule E Part II — 3 FR rentals (Le Corso, 38 RGD, Perpignan)

Verify Perpignan Credit Foncier loan status 2025

Form 4562 — 3565 Market St US depreciation $6,134 (basis $168,700)

Form 4562 — FR property depreciation $33,314 carry-forward

Form 8582 — Passive Activity Loss (MAGI > $150k limits $25k allowance)

blocked (0)