@Ryan Bakke, CPA Thank you for answering my initial questions. Regarding the 110% of Line 24, we estimate this will be approximately $45,000 in total taxes owed for the 2026 tax year. I have a few follow-up questions on how best to calculate and allocate this amount across our combined W-2 income and Jackie’s 1099 income. Our goal is to ensure that we pay the correct total amount throughout the year while also avoiding overpayment, so we can retain as much cash flow as possible for investing or other uses. If we divide the $45,000 evenly across the year, that comes out to roughly $3,750 per month. What would be the most effective way to distribute this amount between our paychecks and estimated payments? Additionally, if we are able to utilize Jackie’s 1099 income for business deductions, how would that impact the 110% safe harbor calculation—particularly if her total income ends up being significantly lower than expected? I read something about a 2210 Form regarding explanation of decrease and why penalties wouldn't be warranted?? Lastly, regarding tax payment requirements specific to Jackie’s 1099 income: are quarterly estimated payments mandatory, or are they simply one option compared to paying the full amount due at the time of filing? Thanks for looking at this and helping us make the most informed decision.

@Brian Stovel, CPA Thank you for that information and breakdown. We want to ensure we are prepared to pay any necessary taxes in a timely manner to avoid interest or late payment penalties. Is the calculation of quarterly estimated taxes included in the services we purchased? Additionally, when determining the amount owed based on the difference between our W-2 and 1099 income, is this calculation based solely on federal tax withholding? Finally, could you please direct me to the appropriate platforms for submitting both federal and state quarterly tax payments?