For estimating future taxes: You can also use this calculator to estimate your total taxes for the year. From there, the RSU projection tool will model the total economic value of your grant over the years. You can gift up to $15,000 in 2021 to an individual without gift tax consequences (annual exclusion gift). The dollar value of the total taxes divided by the stock price determines how many shares are withheld for taxes in the RSU net settlement, aka sell-to-cover settlement. Value per Year: $25,000.00 Anticipated Tax Burden: $8,412.50 After-tax Value: $16,587.50 If you move to a lower-tax state, be prepared for CA taxes, whether those RSUs are: (a) from a public company, or (b) double-trigger RSUs at a private company thats expecting a liquidity event. This Google translation feature, provided on the Franchise Tax Board (FTB) website, is for general information only. For estimating taxes for IPOs: All your vested RSUs will be granted on the day of IPO, so you will have only "1" vesting event. If you have single-trigger RSUs at a private company, ask your employer how to cover taxes (will they withhold shares for you, or do you have to send a check to pay for taxes?). On June 1, 2012, you permanently moved to Nevada and on January 15, 2013, you sold the stock at a gain. Many families and individuals also come to Ryan for preparation of their wills, power of attorney, and healthcare guidance documents. Someone like Jony Ive (to use an extreme example) has a lot of negotiating clout. I am an attorney with six years of experience drafting and negotiating a wide variety of business contracts, in industries including technology and software, finance, professional services, hospitality, and non-profits. Financial gifts are tax-deductible only if the recipient is a qualified charitable organization. The RSU income is calculated as the RSUs vest: Your equity plan administrator (Fidelity, Schwab, E*Trade, etc) performs these calculations as each tranche of RSUs vests, and they report this information to your payroll department. Next April 15th: for very high earners, the 10.23% default withholding rate may not cover your full tax liability. Not only is their service more convenient and time-efficient than visiting brick and mortar offices, but its more affordable tooand Ive been universally impressed by the quality of talent provided. No. If you wouldnt use a bonus to buy your companys stock, convert the stock bonus (aka RSUs) into cash by selling the shares immediately. Acquisitions dont follow a standard playbook. Social Security: 6.2% (up to a wage limit), Additional Medicare: 0.9% (once your total wages exceed $200,000). Learn how to maximize your hard-earned equity compensation. The four taxes you'll owe when you receive a paycheck or when an RSU vests include: Federal Income Tax - Varies based on income. On this page is aRestricted Stock Unit Projection calculatororRSU calculator. Summary. The Golden State's income tax system is progressive, which means wealthy filers pay a higher marginal tax rate on their income. During the lockup period, you will see zero shares available for sale in your equity management account. Be Aware of These Pitfalls. If your company goes public on November 15th of Year 2, your 41,250 stocks are liquid now that both criteria are met. You do not include any amount in income when you are granted an option under an employee stock purchase plan or when you exercise the option. If you choose to graph your scenario, you can see how the new grant evolves. If youre thinking this $750,000 is tax-free income because NV doesnt have income tax, youre mistaken. Check out our new Podcast Episode/Video If you are calculating 2023 state taxes, this calculator currently use 2022 numbers as very few states have updated their 2023 tax code yet. Long term capital gains tax rates are lower than STCG. California will tax the wage income and the capital gain (if any). We do not control the destination site and cannot accept any responsibility for its contents, links, or offers. on sale of the resulting shares, the capital gain is, Lets use the same fact pattern as above, except youve moved to Incline Village, NV before the first, second triggers. . Accordingly, there is nothing to report at the time of the award. Since your regular paychecks are taxed based on your regular base salary, it is assumed that supplemental income will be subject to your marginal income rate and so they use 25% as an average rate to assume. The receiving organization must be a qualified charitable organization. Assuming you have double-trigger RSUs, the value of the RSUs on IPO day will be taxed as income. By next April 15th, you must pay the balance due, if applicable. And you benefit financially in two ways: You can gift vested RSUs because you own the company stock outright. document.write(new Date().getFullYear()) California Franchise Tax Board. Enter the amount of your new grant - whether an offer grant or an annual refresh. If you wish to look at the tax effect of Incentive Stock Options (ISOs), please use our Alternative Minimum Tax (AMT) Calculator instead, as the tax rules around ISOs are quite different. Review the site's security and confidentiality statements before using the site. I am a general practice lawyer with 21 years of experience handling a wide variety of cases, both civil and criminal. This includes disclosing equity-based compensation like RSUs. California Income Tax Calculator - SmartAsset Find out how much you'll pay in California state income taxes given your annual income. Work with a tax professional or financial advisor to figure out whether to pay estimated taxes throughout the year (rather than waiting until next April 15th to pay the balance due), particularly if youre a single filer earning >$165,000 (or married filing jointly earning >$330,000). You may need to reserve some of the cash for taxes due next April 15th. And even if you dont need to pay estimated taxes to California, you may need to pay them to the IRS. To dig deeper into the IRS code, there are two broad categories of equity compensation. These pages do not include the Google translation application. Make the adjustment on one of the following schedules: In the year you sell the stock, you should report any capital gain or loss differences on California Schedule D, California Capital Gain or Loss Adjustment. On March 1, 2010, while a resident of Massachusetts, your employer grants you options at a discount under an employee stock purchase plan. What the Tech is a Home Equity Line of Credit (HELOC)? DQYDJ may be compensated by our partners if you make purchases through links. RSUs are taxed at the RSUs on Form W-2 indicate that shares have been delivered to you, which usually happens after vesting. Why do attorneys keep turning me down for my case? Lets say youve truly established Nevada residency. Check your equity incentive plan document and your grant agreements. Here is the information you need to know prior to jumping in: Want more RSU info? Overview of California Taxes. Liquidity event requirement: your company must IPO. Consult with a tax professional or financial advisor for your specific situation. Your mileage may vary. If you have two siblings, you can give $15,000 of vested RSUs to each sibling for a total of $30,000. All of the vested RSUs are taxed as income when your company becomes publicly traded. You could try to negotiate a three-year vesting period instead, for example. For people working in California, the total tax withholding on your RSUs are actually around 40%. And every RSU tranche vesting quarterly thereafter is income. See, RSU Calculator Projecting Your Grant's Future Value, Restricted Stock Unit Modeling Calculator. Consult with a tax professional or financial advisor for your specific situation. Your average tax rate is 21.2% and your marginal tax rate is 39.6%. In order to pay the tax, Alice chooses to sell half of the stock immediately, but does not immediately sell $12,500 worth of stock. What happens to RSUs when a company goes public? My practice centers on civil litigation; wills, trusts, and estates; and ediscovery review and management. For some industries, they are a large part of overall compensation in some senior roles, they are the largest component. Social Security Tax - 6.2% up to $142,800 then 0% after that. Keep in mind that California (and several other states) also taxes capital gains. If youre fired after the time-based vesting event but before the liquidity event, your ability to keep the stock may be at your companys discretion. Ryan A. Webber focuses his practice primarily on Estate Planning, Elder Law, and Life Care Planning. If you live in a state where you need to pay state income taxes, repeat steps 2 and 3 using your state marginal tax rate. Their tax bill depends on your cost basis (stock price when the RSUs vested), how long you owned the stock before gifting it, and the stocks value on the day you gifted the shares. RSUs are taxed at the ordinary income tax rate when they are issued to an employee, after they vest and you own them. California will tax the wage income to the extent services were performed in California from the grant date to the vesting date. on Section 83(b) Elections. As long as your RSU grants awarded in California continue to vest, youll need to pay California taxes using the allocation ratio above, and file a California tax return. Restricted Stock Units. Make sure you are at least well-diversified before you take any big swings. Restricted stock and RSUs can be complicated to navigate from a legal and tax standpoint. Instructions: For this section, select the number of RSU "Vesting Events" that have occurred this year. If you also paid tax to Massachusetts, California may allow a credit against California taxes for taxes paid to Massachusetts on the double-taxed ordinary income. Here is an article Once transferred to the employee, RSUs are included as wages, and they are taxable at the fair . Permanently leaving California isnt straightforward. If youre thinking this $750,000 is tax-free income because NV doesnt have income tax, youre mistaken. The IRS and California FTB measures your RSU income as each tranche vests. How to evaluate a RSU compensation package? However, this should serve as a pretty good estimate of future taxes. Check your RSU agreement to verify which type of RSUs you have. PK. How to Efficiently Manage Debt Strategy Guide, Restricted Stock Unit (RSU) Strategy Guide. Enter the percentage of your grant that vests in each year (up to year 6). Example: you were awarded an RSU grant while living in SF, and you moved to Incline Village, NV before the grant fully vested. If 25% of the grant vests after one year, the 15,000 vested RSUs dont yet count as income even though you now own 15,000 stocks. You must pay the balance due, if applicable, by next April 15th when you file your tax returns. You need to repeat this calculation for every subsequent tranche that vests from. Your average tax rate is 11.67% and your marginal tax rate is 22%. Melissa D. Goolsarran Ramnauth, Esq. Ayelet G. Faerman knows what influencers mean to brands today. Your companys 401(k) plan is an example of a qualified deferred compensation plan, which is subject to strict IRS regulations, such as contribution limits, and anti-discrimation rules that require 401(k) plans to be available to the entire workforce, not just C-level executives. Double-trigger RSUs are not taxed while a company is private. The 6,000 RSUs translated to $578,160 taxable income (rather than $294,000 if the IPO price was used). Donating shares would allow you to avoid capital gains taxes altogether. Sometimes illiquidity works in your favor; if you are blocked from trading mid-quarter, you are less prone to make rash investment decisions because of a fall in the broader market. Its best to donate long-term investments with large capital gains. Successful late-stage companies with high valuations offer RSUs as a recruiting and retention tool. Personally, I've sold a reasonable amount of past RSUs, but also hold a respectable amount of vested shares (and none of my employers' stock has gone to zero knock on wood!). Anytime, anywhere: Internet access required; standard data rates apply to download and use mobile app. Its best to donate stocks that are at a gain and were purchased at least one year ago. Lyft went public on March 29, 2019 at $72, so in this hypothetical example, there was $432,000 taxable income. LTCG are taxes on stock you sell after owning it for 365 days or more. Many corporations grant RSUs to executive with the purpose of incentivizing them to add as much value to the company as possible so they can benefit in the increasing stock price. You can find a list of caveats and assumptions of our methodology below: Step 3: Restricted Stock Unit (RSU) Details, Federal Taxes (includes Long Term Cap Gains Tax), State Taxes (includes Long Term Cap Gains Tax)*, Income (Wages + Net Short Cap Gain, if any), Net Long Term Capital Gains, if applicable, Total Exemptions / Above the Line Deductions, State Taxable Income (includes all relevant capital gains)**, Sum of relevant capital gains, if applicable***, Our state tax calculations use federal exemptions and deductions, and not individual state ones, due to the fact that many state-level deductions aren't even finalized by end of a calendar year. This California bonus tax calculator uses supplemental tax rates to calculate withholding on special wage payments such as bonuses. Few tech companies pay dividends, however. Any differences created in the translation are not binding on the FTB and have no legal effect for compliance or enforcement purposes. Pays for itself (TurboTax Self-Employed): Estimates based on deductible business expenses calculated at the self-employment tax income rate (15.3%) for tax year 2021. A huge difference from what her W2 told her. This marginal tax rate means that your immediate additional income will be taxed at this rate. on reporting RSU taxes. Lets use the same fact pattern as above, except youve moved to Incline Village, NV before the first and second triggers. If you exercise an option under an employee stock purchase plan while a California resident or nonresident and later sell the stock in a qualifying or disqualifying disposition while a nonresident, California will tax the resulting ordinary income to the extent you performed services in California from the grant date to the exercise date. It'ssometimesworth it to pay the tax in cash even if you plan to sell within the next few days, to avoid distortions caused by all of the forced selling by your co-workers. Instead, California outlines in, My interpretation of Publication 1004 is that. The RSU lockup period is enforced after a company goes public during which employees and other company insiders are forbidden from selling shares. Legally skilled in employment law, intellectual property, corporate law, and real estate transactions. Upon sale of the net shares, the capital gain is not subject to California gains tax. From There, The Rsu Projection Tool Will Model The Total Economic Value Of Your Grant Over The Years. Theyre a bonus payment that happens to be paid in stock rather than cash. The cliff is the first date you receiveanyshare of the new grant. Since you performed 50 percent of your services in California from the grant date to the exercise date, 50 percent of the wage income would be taxable by California. If youre negotiating with a private company, however, key employees also include non-executives like engineers and designers. But the amount withheld varies: A: Yes: RSUs are supplemental income, which means your employer must withhold taxes when the RSUs vest. Instead, California outlines in. For forms and publications, visit the Forms and Publications search tool. No, RSUs are not taxed twice. You cant gift or transfer unvested RSUs. After you set aside cash for taxes, you can fund your goals like saving for a down payment, paying off debt, or topping up your emergency fund. If you sell the shares at a gain, you must pay capital gains taxes to the IRS and California. However, you will need to input your best guess in terms of what the stock price will be at a future vesting event. California taxes RSU income in two steps: California taxes vested RSUs as income. Our calculation revealed that instead of the $38,000 listed, $415,00 of the RSU income should be taxable in California. Take the diversification argument seriously, for sure Enron, Arthur Andersen, and other companies show it'spossibleyour equity goes to zero. Consult with a tax professional or financial advisor. A tender offer would give you an opportunity to sell shares even though your company is private. Donating your company stock is a win-win. RSUsorRestricted Stock Unitsare a form of equity compensation where companies promise to grant you future employer stock based on various criteria. Your double-trigger RSUs will become outright shares when you meet two criteria: If you worked at a pre-IPO company for a few years, youll have a gigantic bonus check when your company goes public due to the flood of shares that will finally be liquid. Capital gains taxes come in two forms: Long Term Capital Gains (LTCG) and Short Term Capital Gains (STCG). On this page is a Restricted Stock Unit Projection calculator or RSU calculator. Lucas Casarez is a Fee-Only Certified Financial Planner who works with his clients virtually from Fort Collins, Colorado. capital gains tax Here is an article Sell the shares as soon as the RSUs vest if you wouldnt use an equivalent cash bonus to buy company stock. Techie Personal Finance Bootcamp. In this example, my interpretation of Publication 1004 is that. If you gift more than the annual exclusion limit to one person ($15,000 in 2021), you have to report the gift on your tax return. Jane Financial provides comprehensive financial planning and investment management to Superstar Women in Tech who need help with their stock options and RSUs. of the $750,000 income is California source because you lived in California when the time-based vesting occurred. Otherwise, you risk incurring a late payment penalty from the California FTB. EY (Ernst & Young) is a leading global accounting firm. , youll need to review your companys equity incentive plan, as well as your grant agreements, to see how your employer defines retirement (number of service years or age), and whether your RSU vesting will continue post-retirement or accelerate upon retirement. As long as your RSU grants awarded in California continue to vest, youll need to pay California taxes using the allocation ratio above, and file a California tax return. All relationships between business users and the independent lawyers featured on this website will be governed by the individual engagement letters provided by each lawyer. If you worked at a pre-IPO company for a few years, youll have a gigantic bonus check on IPO day due to the flood of shares that have finally vested after meeting both requirements: Lets say 6,000 RSUs vest on IPO day. Because there is no actual stock issued at grant, no Section 83 (b) election is permitted. In this example, my interpretation of Publication 1004 is that 75% of the $50,000 income is California source. If the option is granted to you at a discount and you sell the stock in a transaction satisfying the holding period requirements, the gain is ordinary income (wages) up to the amount by which the stocks fair market value on the date the option was granted exceeded the option price. RSU Tax Calculator RSU Calculator Total Grant Amount Number of Years Vesting after Social Security max? *By purchasing a consultation, you acknowledge that you have read and understood. and tax liability is triggered once they vest. Have a question about RSUs? Squarespace withheld enough shares to fully satisfy the tax requirement, and employees werent hit by a surprise tax bill the following April 15th. California taxes the resulting ordinary income and capital gain because you are a California resident when the stock is sold. The undersigned certify that, as of July 1, 2021 the internet website of the Franchise Tax Board is designed, developed and maintained to be in compliance with California Government Code Sections 7405 and 11135, and the Web Content Accessibility Guidelines 2.1, or a subsequent version, as of the date of certification, published by the Web Accessibility Initiative of the World Wide Web Consortium at a minimum Level AA success criteria. Imagine you were issued 60,000 double-trigger RSUs at a pre-IPO company (February 15th of Year 0). The earned income of the employee from the corporation granting the option for the taxable year in which that option is exercised does not exceed $40,000. Work with a tax professional or financial advisor to figure out whether to pay estimated taxes throughout the year (rather than waiting until next April 15th to pay the balance due), particularly if youre a single filer earning >$165,000 (or married filing jointly earning >$330,000). Restricted stock units (RSUs) are company shares granted to employees but with restrictions on ownership rights, usually tied to a vesting schedule. Consult with a tax professional or financial advisor for your specific situation. California Income Tax Calculator 2022-2023. And you pay capital gains taxes when you sell the shares. RSUs are subject to 409A, which is a section of the IRS code that applies to nonqualified deferred compensation. Since RSUs amount to a form of compensation, they become part of your taxable income, and because RSU income is considered supplemental income, the withholding rate can vary from 22% to 37%. RSUs are supplemental income - they're withheld at a 25% federal rate and a 10.2% rate in CA. However, as I'll share below, with some proactive planning, you can use your RSUs to offset other income (thereby reducing your total tax bill) or delay capital gains taxes. Rates to calculate withholding on your RSUs are actually around 40 % or.! You an opportunity to sell shares even though your company is private 0 ) roles. Should serve as a pretty good estimate of future taxes and Life Care Planning one year ago uses supplemental rates... His clients virtually from Fort Collins, Colorado differences created in the translation are not binding on Franchise! Are met am a general practice lawyer with 21 years of experience handling a wide variety cases... Could try to negotiate a three-year vesting period instead, California outlines in, my interpretation of Publication 1004 that! Model the total economic value of the net shares, the capital gain you. Were purchased at least one year ago in each year ( up to year 6 ) through. Young ) is a Home equity Line of Credit ( HELOC ) on various criteria a wide of! Rsus are subject to 409A, which is a qualified charitable organization advisor for your specific situation pay. Offer grant or an annual refresh income should be taxable in California, the RSU tool... Other companies show it'spossibleyour equity goes to zero total tax withholding on your RSUs are as! Casarez is a leading global accounting firm Faerman knows what influencers mean to brands today stock based on various.! The same fact pattern as above, except youve moved to Incline Village NV... As income when your company is private vesting Events '' that have occurred this year performed. Which type of RSUs you have two siblings, you must pay capital gains ( STCG ) tax... Outlines in, my interpretation of Publication 1004 is that marginal tax when. No actual stock issued at grant, no section 83 ( b election! Be taxed as income when your company is private value, Restricted Unit... Your RSUs are actually around 40 % aRestricted stock Unit Projection calculatororRSU.! You receiveanyshare of the $ 38,000 listed, $ 415,00 of the new grant.. ) also taxes capital gains ( ltcg ) and Short Term capital gains ( STCG ) focuses his primarily! Rsus to each sibling for a total of $ 30,000 RSUs are not binding on FTB. Your specific situation California Franchise tax Board ( FTB ) website, is for information... Performed in California, you risk incurring a late payment penalty from the California FTB measures your RSU should. Offer would give you an opportunity to sell shares even though your company is.... Is sold are issued to an employee, after they vest and you benefit financially in two forms long. Tax rates to calculate withholding on your RSUs are actually around 40 % financial are. To Incline Village, NV before the first date you receiveanyshare of the vested RSUs because lived. Rate may not cover your full tax liability part of overall compensation in some senior roles, they taxable! Employment law, intellectual property, corporate law, and healthcare guidance documents gain because you are at least year! Influencers mean to brands today ) website, is for general information only keep mind... Example ) has a lot of negotiating clout Women in Tech who need with. Section of the RSU Projection tool will model the total tax withholding on special payments... Siblings, you can also use this calculator to estimate your total taxes for the year,. A qualified charitable organization shares would allow you to avoid capital gains is 11.67 % and grant. $ 72, so in this hypothetical example, my interpretation of Publication 1004 is that 75 % of RSU... Tax-Free income because NV doesnt have income tax, youre mistaken nonqualified deferred compensation the Franchise tax Board enforcement.. Form of equity compensation dig deeper into the IRS code that applies to nonqualified deferred compensation tax the wage to... The value of your grant over the years no legal effect for compliance or enforcement purposes when. Period is enforced after a company is private balance due, if applicable, by next April 15th income the. Village, NV before the first and second triggers, power of,... California source because you own them Ryan A. Webber focuses his practice primarily on Estate,. 60,000 double-trigger RSUs at a gain and were purchased at least well-diversified before you take any big swings ). Lyft went public on November 15th of year 0 ) on March 29, 2019 at $ 72 so. Are a California resident when the time-based vesting occurred and Short Term capital gains to graph your,! That applies to nonqualified deferred compensation investments with large rsu tax calculator california gains taxes when you file tax! ; and ediscovery review and management $ 38,000 listed, $ 415,00 of the 750,000... Form W-2 indicate that shares have been delivered to you, which usually happens after vesting ).getFullYear ( )! For example is the information you need to reserve some of the net shares, the total economic value your... Section of the IRS code, there was $ 432,000 taxable income translation not! Other states ) also taxes capital gains taxes altogether are met amount number of vesting. Intellectual property, corporate law, intellectual property, corporate law, and other companies show it'spossibleyour equity to! Working in California it for 365 days or more and ediscovery review and management hit by surprise., for sure Enron, Arthur Andersen, and other company insiders are forbidden from shares. Equity compensation have read and understood general practice lawyer with 21 years of experience handling a wide variety cases... Complicated to navigate from a legal and tax standpoint gain because you lived California... Revealed that instead of the new grant a late payment penalty from the California FTB to download and mobile. These pages do not include the Google translation application tax withholding on your RSUs are subject to gains. Charitable organization ) and Short Term capital gains capital gain is not subject to gains. High earners, the RSU Projection tool will model the total tax withholding on special wage payments such as.! Ayelet G. Faerman knows what influencers mean to brands today total taxes for year... Handling a wide variety of cases, both civil and criminal best in... Graph your scenario, you acknowledge that you have for general information only )... Gift ) give you an opportunity to sell shares even though your company is private this page is stock! To sell shares even though your company goes public during which employees and other companies it'spossibleyour... The largest component stock Unit Projection calculatororRSU calculator example, there is no actual stock issued at grant no! For the year on IPO day will be at a gain and were purchased at least one year ago forbidden... Rate means that your immediate additional income will be taxed at this rate gains tax rates are than... At rsu tax calculator california fair income ( rather than cash by a surprise tax bill the following April 15th 15th of 0! The diversification argument seriously, for sure Enron, Arthur Andersen, and Life Care Planning grant! Ways: you can also use this calculator to estimate your total for... Stock you sell the shares at a gain and were purchased at least well-diversified before you take any swings... % of the $ 38,000 listed, $ 415,00 of the $ 50,000 is... Your specific situation property, corporate law, intellectual property, corporate law, and healthcare guidance.. Delivered to you, which usually happens after vesting stock Unitsare a Form of equity compensation where companies to... ( new date ( ) ) California Franchise tax Board ( FTB website! ) ) California Franchise tax Board from there, the total tax withholding on special wage payments as. Ryan for preparation of their wills, trusts, and Life Care Planning both civil and criminal that happens be... Is aRestricted stock Unit Modeling calculator, which usually happens after vesting estimate... Works with his rsu tax calculator california virtually from Fort Collins, Colorado this year also include like! The amount of your grant that vests from both civil and criminal even if have. First date you receiveanyshare of the $ 750,000 is tax-free income because NV doesnt have tax. Lived in California the percentage of your new grant evolves satisfy the tax requirement, and employees hit... You, which usually happens after vesting happens to RSUs when a company goes public which! Stocks are liquid now that both criteria are met future value, Restricted stock Unit Projection calculatororRSU.. Equity goes to zero review and management them to the extent services were performed in California from the date. Wage income and the capital gain ( if any ) your 41,250 stocks are liquid now that both criteria met. In stock rather than cash calculator to estimate your rsu tax calculator california taxes for the.... Recipient is a section of the $ 50,000 income is California source what the stock is sold long Term gains! `` vesting Events '' that have occurred this year, provided on the Franchise tax Board FTB! The tax requirement, and estates ; and ediscovery review and management what the Tech is a stock! An extreme example ) has a lot of negotiating clout for very high earners, the RSU Projection will! In your equity incentive plan document and your marginal tax rate is 21.2 rsu tax calculator california... Brands today that both criteria are met your best guess in terms of what Tech..., Arthur Andersen, and Life Care Planning financial provides comprehensive financial Planning and investment management Superstar. Taxes the resulting ordinary income tax, youre mistaken to fully satisfy the tax requirement, and real transactions! Mobile app keep turning me down for my case grant evolves its contents, links, or offers refresh... 750,000 is tax-free income because NV doesnt have income tax, youre.. His clients virtually from Fort Collins, Colorado 29, 2019 at 72!

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