The client's own words
Organizer answers, messages and call notes from the packet — each is citable evidence. Answers the documents contradict are flagged by check CLIENT-ANSWERS.
Questionnaire (submitted 2026-01-20)
| qa-01 | Did your marital status change in 2025? | No Ngozi Okafor |
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| qa-02 | Did you move in 2025? If so, when and where? | Yes - Sacramento to Austin on July 15, 2025. Ngozi Okafor |
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| qa-03 | Did anyone in the household change jobs? | Ngozi left Corvane in May and started at Halvorsen Data on June 2 (remote from Sacramento until the move). Erik Lindqvist |
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| qa-04 | Do you have dependents who are full-time students? | Ada - UC Davis, 2nd year. Ngozi Okafor |
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| qa-05 | Did you pay for child care so you could work? | Yes, for Theo at two centers (Sacramento, then Austin). Ngozi Okafor |
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| qa-06 | Did you receive any stock compensation (RSUs, options, ESPP)? | Yes - RSUs and ESPP at Corvane, and Ngozi exercised her Corvane ISOs in July before the window closed. She still holds those shares. Erik Lindqvist |
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| qa-07 | Did you have any foreign bank accounts or assets? | Yes - Erik's savings account in Sweden (inherited from his mother in 2023). Ngozi Okafor |
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| qa-08 | Did you receive a gift or inheritance from a foreign person in 2025? | No Ngozi Okafor |
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| qa-09 | Did you buy or sell a home in 2025? | Bought our Austin home July 8. Refinanced in November when rates dropped. Erik Lindqvist |
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| qa-10 | Did you sell any rental or business property? | Yes - the Austin condo, closed October 15. Ngozi Okafor |
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| qa-11 | Did you own any rental property during 2025? | 1450 Fremont Way in Sacramento (all year) and the Austin condo until the sale. Ngozi Okafor |
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| qa-12 | Do you have an interest in any partnerships, S corporations or trusts? | Erik owns 20% of his family's woodworking company (S corp) and we're in a real estate fund (Ridgeline). Erik Lindqvist |
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| qa-13 | Did you receive all of your K-1s? | Woodworks yes. Ridgeline usually comes late - they said June. Ngozi Okafor |
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| qa-14 | Did you sell any stocks, bonds, mutual funds or other investments in 2025? | No Ngozi Okafor |
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| qa-15 | Did you buy, sell or trade cryptocurrency or other digital assets? | Erik has some crypto on Coinhaven. We didn't really sell, just moved things around. Erik Lindqvist |
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| qa-16 | Do you have a business or side income? | Erik's design studio (Lindqvist Studio), sole proprietor. Ngozi Okafor |
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| qa-17 | Business: accounting method | Cash. QuickBooks Online. Ngozi Okafor |
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| qa-18 | Business: did you buy equipment over 2,500? | Yes, about 38,000 in March (printer, camera, computer). Erik Lindqvist |
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| qa-19 | Business: home office? | Yes - dedicated room in both houses. Measurements uploaded. Ngozi Okafor |
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| qa-20 | Business: vehicle use? | Yes, the RAV4. Mileage log uploaded. Ngozi Okafor |
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| qa-21 | Business: do you have receipts for meals? | Yes, in QuickBooks. Erik Lindqvist |
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| qa-22 | Business: did you pay any contractor 600 or more? | Yes - two (retoucher and web developer). Ngozi Okafor |
SchC.I |
| qa-23 | Business: did you file Forms 1099-NEC for them? | No - didn't know we had to. Ngozi Okafor |
SchC.J |
| qa-24 | Business: any income not on a 1099? | Some small clients pay by check or card. Erik Lindqvist |
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| qa-25 | Was Erik eligible for health coverage through Ngozi's employer in 2025? | Yes - both of Ngozi's employers offer family coverage, but Erik kept his own individual plan because he likes his doctors. Ngozi Okafor |
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| qa-26 | Retirement: did you contribute to a SEP, solo 401(k) or IRA for the business? | We plan to put 18,000 in Erik's SEP before the deadline. Ngozi Okafor |
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| qa-27 | Did you have a high-deductible health plan and HSA? | Ngozi's plan through work covers her and the kids (family HDHP). Erik is on his own plan. Erik Lindqvist |
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| qa-28 | Did you make HSA contributions outside payroll? | No Ngozi Okafor |
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| qa-29 | Were HSA distributions used for medical expenses? | Yes, all of them. Ngozi Okafor |
F8889.15 |
| qa-30 | Did you make nondeductible (backdoor) IRA contributions? | Yes - Ngozi. Erik Lindqvist |
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| qa-31 | IRA details: amounts, prior basis, year-end balance | Ngozi put 7,000 in for 2025 and converted it. Prior basis: none that I know of - we started doing this in 2025. Traditional IRA balance at year end is zero. Ngozi Okafor |
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| qa-32 | Did you make estimated tax payments? | Yes, federal and California each quarter. Ngozi Okafor |
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| qa-33 | Did you apply last year's refund to 2025? | No Erik Lindqvist |
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| qa-34 | Rental: is 1450 Fremont Way professionally managed? | Yes, Capitol Keys. Ngozi Okafor |
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| qa-35 | Rental: list properties and any personal use | 1450 Fremont Way Sacramento (no personal use). Condo at 1200 Barton Hills Dr #4C, Austin (no personal use; rented until Sept 30, then listed). Ngozi Okafor |
SchE.1A SchE.1B |
| qa-36 | Rental: expenses you paid directly (not through the manager) | Fremont Way landlord insurance 1,850 (paid directly to the insurer). Erik Lindqvist |
SchE.9A |
| qa-37 | Rental: any big repairs or improvements? | We had to replace the HVAC at Fremont Way in August - 11,000. Ngozi Okafor |
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| qa-38 | Charitable: cash gifts | Food bank, animal rescue, and our parish (St. Brigid) - receipts uploaded. Ngozi Okafor |
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| qa-39 | Charitable: non-cash gifts | Donated stock to our donor-advised fund in December, and donated our old Subaru in August - Kelley Blue Book said about 6,000. Erik Lindqvist |
F8283.A1.vehicle |
| qa-40 | Did you receive any IRS or state notices? | Only the old 2023 one about a stock sale, which was resolved. Ngozi Okafor |
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| qa-41 | Federal estimated payment for the 4th quarter: date and amount | Paid January 14, 2026 - 4,000 I think. Ngozi Okafor |
F1040.26 F2210.19 |
| qa-42 | Is anyone in the household blind or 65 or older? | No Erik Lindqvist |
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| qa-43 | Do you want your refund (if any) by direct deposit? | Yes - checking at Austin Community Credit Union. Ngozi Okafor |
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| qa-44 | May we discuss your return with the IRS if they call? | Yes Ngozi Okafor |
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| qa-45 | Is there anything else we should know? | Ngozi's new employer kept withholding California tax until September by mistake. Erik Lindqvist |
Messages
| msg-01 | 2026-01-21 | Ngozi Okafor | Uploaded the first batch. Ridgeline K-1 won't come until June per their email. |
| msg-02 | 2026-02-09 | Ngozi Okafor | Re-uploaded the Halvorsen W-2 from my phone in case the PDF was blurry. |
| msg-03 | 2026-02-18 | Erik Lindqvist | Mileage log is scanned - sorry it's handwritten. |
| msg-04 | 2026-03-02 | Ngozi Okafor | I think that's everything except the Ridgeline K-1. |
| msg-05 | 2026-03-18 | Erik Lindqvist | Meridian sent a corrected 1099 today, uploading it. |
| msg-06 | 2026-06-05 | Erik Lindqvist | Found the 2023 Woodworks K-1 in my mom's papers - photo attached (D40). |
Call notes
call-01 · 2026-03-26 · Erik Lindqvist, Priya Raman (preparer)
• Mobile plan covers 4 family lines; Erik estimates his business share is 70%.
• Home internet is shared with the family; business use about 50%.
• Spotify Family in software is personal - booked by mistake.
• Meals are client meetings and team lunches with contractors; no entertainment.
• HVAC at Fremont Way: the old furnace died in a heat wave; replaced the whole system with a heat pump (new air handler, line set).
• Contractors: paid by ACH, not card. No 1099s filed; Erik wants us to tell him what to do.
• Bought the equipment in March for the large-format print work; it is used only for the business.
• The 2012 Subaru: Erik thinks it was worth about 6,000; the charity sold it at auction.