---
tags: [atlas, personal-context, finances, taxes, playbook]
type: playbook
created: 2026-05-19
sensitive: true
status: active
---

# Tax Catch-up Playbook

Purpose: make late taxes less overwhelming by turning them into a small document-gathering workflow.

This is tax admin support, not tax/legal advice. For filing choices, penalties, or unusual tax situations, use a tax professional or IRS/state guidance.

## Current context

- Will is late doing taxes and needs to get unstuck.
- Gmail search is working again through Atlas/Google Workspace.
- Initial Gmail scan found likely 2025 tax documents and related notifications.

## Minimum viable win

If energy is low, do only this:

- [ ] Open/download the **CoreWeave W-2** email attachment.
- [ ] Put it in a folder named `2025 Taxes`.

That counts as progress.

## Found in Gmail

### CoreWeave / W-2

Email found:

- From: William's CoreWeave email
- Subject: `W2`
- Date: 2026-01-23
- Attachments:
  - `William_Valentin_2025_W2.pdf`
  - `William_Valentin_2025_Tip_and_Other_Compensation_Report.pdf`
  - `William Valentin_paystubs.zip`

Use these as the primary employment-income documents.

### E*TRADE / Morgan Stanley 1099

Email found:

- From: E*TRADE from Morgan Stanley
- Subject: `IMPORTANT TAX RETURN DOCUMENT AVAILABLE`
- Date: 2026-02-06
- Mentions: `2025 FORM 1099 STOCK PLAN CONSOLIDATED ORIGINAL and Stock Plan Transactions Supplement`

Likely next step: log into E*TRADE/Morgan Stanley and download the 2025 1099 PDF and stock-plan transaction supplement. The Gmail notification did **not** include the actual PDF as an attachment.

### Pay stubs / pay docs

Additional CoreWeave/self-forwarded pay-doc emails found:

- `stubs` — 2026-02-19
- `pay docs` — 2026-01-21
- `Payslip_to_Print...` — 2026-01-21
- older pay-stub archives from 2025

Usually backup only if the W-2 is unclear or a tax preparer asks.

### Not clearly found yet

- 1095 health coverage tax form
- Chase/Amex bank-interest tax forms
- Attached E*TRADE 1099 PDF

## Tax document checklist

### Definitely gather

- [ ] CoreWeave 2025 W-2 PDF
- [ ] CoreWeave tip/other compensation report PDF
- [ ] E*TRADE/Morgan Stanley 2025 Form 1099 Stock Plan Consolidated PDF
- [ ] E*TRADE/Morgan Stanley Stock Plan Transactions Supplement
- [ ] Prior-year tax return, if available

### Check if applicable

- [ ] Bank interest forms: 1099-INT
- [ ] Investment dividend/capital gains forms: 1099-DIV / 1099-B
- [ ] Mortgage/student loan forms: 1098
- [ ] Health coverage forms: 1095-A/B/C if received
- [ ] Child/dependent info if claiming dependents
- [ ] Donation receipts or other deductions if meaningful

## Gmail search queries

Use these if Atlas needs to search again:

```text
from:(coreweave.com OR wvalentin@coreweave.com) (W2 OR "W-2" OR tax OR 1095 OR payroll OR pay OR stubs OR docs) newer_than:18m
```

```text
from:(etradefrommorganstanley.com OR etrade.com) (1099 OR tax OR "tax return document") newer_than:18m
```

```text
(subject:"W-2" OR subject:W2 OR subject:1099 OR subject:1095 OR subject:"tax document" OR subject:"tax forms") newer_than:18m -category:promotions
```

```text
(1095 OR "health coverage" OR "minimum essential coverage" OR UMR OR Guardian) newer_than:18m -category:promotions
```

```text
(1099-INT OR 1099-DIV OR 1099-B OR "tax statement" OR "tax form" OR "tax document") newer_than:18m -category:promotions
```

## Automation

- Active n8n workflow: `Personal Reminder Router (Atlas + Local LLM)`
- Workflow ID: `PersonalReminderRouter001`
- Schedule: weekdays at 9:00 AM PT
- Delivery: n8n → local LLM on `llama.cpp :18806` for short reminder wording → Atlas/Hermes webhook `personal-reminder-atlas` → Telegram
- Current reminder: tax catch-up / CoreWeave W-2 minimum viable win
- Hermes one-shot tax reminder was removed after n8n delivery was verified, to avoid duplicate reminders.

## Next actions

1. [ ] Create a local or Drive folder: `2025 Taxes`.
2. [ ] Download CoreWeave W-2 attachments from Gmail.
3. [ ] Log into E*TRADE/Morgan Stanley and download 2025 1099 + transaction supplement.
4. [ ] Search for bank/investment/health tax forms again if needed.
5. [ ] Choose filing path:
   - FreeTaxUSA / TurboTax / H&R Block software
   - tax preparer / enrolled agent / CPA
6. [ ] File even if payment has to be handled separately.

## Low-stress filing path

If overwhelmed:

- Use FreeTaxUSA or a tax preparer.
- Do not try to optimize every deduction first.
- Get the main income documents in one place.
- Filing late is usually more urgent than perfect optimization.

## Message to a tax preparer

Subject: Late tax filing help

Hi,

I’m late filing my 2025 taxes and need help getting caught up as soon as possible. I’m a W-2 employee and also have an E*TRADE/Morgan Stanley stock-plan 1099. Are you accepting new clients, and what documents should I send to get started?

Thank you,
William Valentin

## Related notes

- [[Will]]
- [[Health and Medical Leave]]
