clients email is below.

Hi NAME_1-

So the shares were issued on 2/8/2017.  The actual investment was, I believe, 2 years earlier.  I don't have that exact date.  Assuming this Feb 2017 date is what you were looking for tho?

And what would your recco be as far as the refund goes?  Not sure if I mentioned this to you but I was laid off unfortunately back in December and have been weighing next steps (thinking of a career change)...assuming that will have a solid bearing on how our 2023 tax year goes, right?  As well, with NAME_2 coming off maternity leave but still handling a lot of mother-duties (so to speak), we are anticipating her having a less than normal income from work.  She is a financial recruiter and essentially all of her income comes through commissions...very small salary.

I will say that we have no real immediate need for cash so if you think applying to this current tax year is the smart option, I am for it.  But again, open to your thoughts.

Please let me know your thoughts when you can.  Thanks!

-NAME_3


here is my response:

NAME_3, 

Feb 2017 is fine for us to use. 

Regarding the overpayments, as long as you have (combined) paid in at least 90% of your actual tax liability over the year, the government would not charge you any penalties. Since most of your combined income is via payroll which of course has taxes withheld, the amounts withheld will likely cover at least 90% of your actual tax liability, so my suggestion would be to refund the monies back to you. 

Regards,

NAME_1 


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