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Notes from real files

Not the evergreen guides. These are dated notes on specific files, what changed the outcome, and what that means for the next one.

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Every post traces back to a real file or a real number. Nothing modelled, nothing illustrative.

August 2026

Self-Employed and Under Two Years of Tax Returns: Why Four Brokers Gave One Couple Four Different Answers

A couple selling and rebuying, a self-employed spouse without two full years of tax returns, and four brokers who read the same file four different ways.

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