For investors & employee shareholders
Investment income tax services for a clearer financial picture
We report capital gains, dividends, and employee stock income, and help you plan investment decisions with the tax consequences in view.
We will contact you to arrange a call about your situation, service scope, and pricing. Specific tax advice and ongoing planning are provided under an engagement.
Enrolled Agents. Personal guidance.
In Orange County and across all 50 states.
- Capital gains & cost basis
- Employee stock compensation
- Tax-efficient planning
Investment income tax preparation
From brokerage statements to an accurate return.
Mraz Tax Solutions LLC provides investment income tax preparation and planning for busy professionals, investors, and families with complex income. We help you report stocks, bonds, mutual funds, employee equity, and multiple tax forms as part of your federal and state returns.
Our Enrolled Agents bring over 15 years of tax industry experience to capital gains reporting, tax loss harvesting, and investment-related tax questions in Orange County and nationwide.
Capital Gains, Losses & Cost Basis
We reconcile investment sales, determine short-term or long-term holding periods, and prepare Form 8949 and Schedule D when required. We review adjusted cost basis for purchased, gifted, inherited, or transferred assets so missing broker information does not lead to overstated gains.
Interest & Dividend Income
We report interest, ordinary and qualified dividends, and capital gain distributions from stocks, bonds, and mutual funds. We review Forms 1099-INT and 1099-DIV, holding-period requirements, and tax-exempt income that may still affect other parts of your return.
Employee Stock Compensation
ISOs, NSOs, RSUs, and ESPPs have different tax rules. We review exercise, vesting, and sale records alongside your W-2 and brokerage statements, check basis adjustments to avoid taxing compensation twice, and evaluate potential alternative minimum tax from incentive stock options.
Tax Loss Harvesting
We review realized gains, available losses, and carryforwards before you sell. Net capital losses can generally offset up to $3,000 of other income annually ($1,500 if married filing separately), with remaining losses carried forward. Wash-sale rules can delay or disallow a loss deduction.
Net Investment Income Tax
The 3.8% Net Investment Income Tax (NIIT) can apply to interest, dividends, capital gains, and certain rental income. We calculate the tax on Form 8960 when required and review how a large sale, retirement distribution, or other income change affects your modified adjusted gross income.
State Reporting & IRS Support
A move or state-source investment income can affect where you file. We review residency and allocation rules rather than assuming every out-of-state investment requires a return. If the IRS questions reported income or cost basis, our enrolled agents can help document and explain your position.
Part of our complete individual tax preparation and planning services, tailored to your full financial picture.
Investment tax planning
Know the tax impact before you sell.
A tax-efficient decision considers your entire return, not just the gain on one investment. We coordinate investment income with your wages, business income, retirement accounts, and estimated payments.
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Coordinate Sales & Estimated Payments
We compare the tax impact of selling now or in another year, including holding periods, capital loss carryforwards, and federal and state taxes. A large gain may require an estimated payment or a withholding adjustment even if you normally receive a refund.
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Check Wash Sales Across Accounts
Buying substantially identical stock or securities within 30 days before or after a loss sale can trigger a wash sale. We review purchases across your accounts, including automatic reinvestments, IRAs, and relevant spouse transactions; a single brokerage statement may not capture the full picture.
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Review MAGI, Retirement & Home Sales
Wages, Social Security benefits, and qualified retirement-plan distributions generally are not net investment income, but taxable amounts can affect the income threshold for NIIT. We also review available home-sale gain exclusions and the tax impact of Roth conversions or deductible retirement contributions.
Prepare for your tax review
Put your investment records in order.
Bring statements from every brokerage account, including closed or transferred accounts. Supplemental stock-plan records and prior-year loss carryforwards are often just as important as the tax forms themselves.
Our Enrolled Agents can connect these details with your federal and state income tax returns.
What to gather for your return
- Forms 1099-B, 1099-DIV, and 1099-INT
- Purchase, transfer, and cost-basis records
- W-2s and employee stock-plan statements
- Prior-year returns and loss carryforwards
- Gift, inheritance, and property-sale records
- Estimated tax payment confirmations
Frequently Asked Questions
Key details about working with our Enrolled Agents and getting your tax returns prepared, reviewed, and filed.
Do you offer free initial consultations?
The free initial consultation covers your situation, the scope of services, and pricing. Specific tax advice and ongoing planning are provided under the terms of an engagement. Request a free initial consultation; we will contact you to arrange a call. Office visits are by appointment.
Are you licensed by the IRS?
Our Enrolled Agents are federally authorized to represent taxpayers before the IRS with unlimited practice rights. We provide tax preparation, advice, and IRS representation under the terms of an engagement. State-agency representation is subject to applicable state rules.
Can you prepare a tax return for my small business?
Yes. Mraz Tax Solutions LLC prepares business returns and provides planning under engagement terms. Quarterly planning meetings are available for a separate fee and are not included with tax return preparation.
Can my tax return preparer review my self-prepared returns?
Yes. We review federal and state returns, whether self-prepared or prepared by others, and advise on missed deductions, audit risks, and corrected or amended returns.
Individual Tax Services
Explore More Individual Tax Services
Income Tax Returns
Accurate federal and state return preparation for individuals and families.
Rental Income
Depreciation, repairs, and multi-state compliance for landlords.
Retirement Tax
401(k), IRA, and tax-efficient retirement income planning.
Self-Employed
Estimates, deductions, and entity structuring for freelancers and gig workers.
Tax Credits
Education, energy, child, and other credits you may qualify for.
Get in Touch
Have any questions?
Let's talk.
Request a free initial consultation to discuss your situation, service scope, and pricing. We will contact you to arrange a call. Specific tax advice and ongoing planning are provided under the terms of an engagement.
Office visits are by appointment. We accept tax-document drop-offs after a signed engagement agreement and by prior arrangement. Please request an appointment before visiting.
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