Boris letter 2025 return

personas/two-country-family/files/documents/shulman-summary-2025.pdf

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19-40 Pellbrook Road
2nd Floor
Fair Lawn, NJ 07410

Pellbrook Tax & Accounting (201) 555-0161
pellbrooktax.example

Re: Your 2025 tax returns
April 2, 2026

Pavel I. Zaretsky and Yulia A. Zaretskaya

8-17 Larkmoor Terrace, Fair Lawn, NJ 07410

Dear Pavel and Yulia,

Your 2025 returns were filed electronically and accepted. A summary for your files:

Return Result

Federal Form 1040, married filing Refund of $1,284.00, direct deposit to checking ending 8256
jointly

New Jersey NJ-1040 Balance due of $212.00, to be drafted by e-check on April 10,
2026

FinCEN Form 114 (FBAR) for Yulia Filed March 30, 2026, confirmation BSA ID
31000218844172

Item Amount

Wages, both W-2s $326,870.00

Adjusted gross income $318,640.00

Mortgage interest, Form 1098 $9,449.05

Property tax paid $11,884.00

Dependent care FSA $5,000.00

Child tax credit phased out in part

Dependents claimed: Timofey P. Zaretsky and Vera P. Zaretskaya. Timofey's Social Security
record still shows the name TIMOFEI ZARETCKII. The return was accepted this year, but a
mismatch can delay a refund. Please have the card corrected.

Foreign account
One account was reported: Shartash Bank, Yekaterinburg, Russia. The highest balance in 2025
was 312,904.18 roubles, about $3,940. The total stayed under $10,000 all year, so the report
was not required. I filed it as in prior years so that the record is continuous. Your share in the
apartment in Yekaterinburg is not a financial account and is not reported.

Money sent to your mother
You sent $5,000.00 in 2025. This is under the annual gift exclusion and needs no gift tax
return. Please keep saving each confirmation. If the yearly total passes the exclusion, we file
Form 709. No tax would be due.

For next year
1. Send me the Russian bank's letter for 2026 in January.
2. If you sell or give away the share in the apartment, tell me before you sign.
3. You still have no wills. With two children and property in two countries this should not
wait.

My fee for the returns and the FBAR is $520.00, paid. Thank you.

Boris Shulman, CPA

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Record

Boris letter 2025 return Document · saved Apr 3, 2026

Values from records

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The record values this file is made from: the ones its text names with {{record.field}}, and the fields its template reads. A value here is in the file's source; whether it is readable depends on the look.

Value	Now
receipt-shulman-2025.purchase_date	2026-04-02
receipt-shulman-2025.price	520.0

The values at render time were not recorded: the file was rendered before files/rendered.json existed. Rendering it again records them.

Planted

only_in_file In the files and nowhere in the records or notes: the registry record number on Tim's Russian birth certificate; the surname clause, record number and apostille number in the translated marriage certificate; the naturalization certificate numbers and A-numbers in the lawyer's letter; the cadastral number and registry number in the inheritance certificate (the 1/6 share is stated only there, though an old note says papa's half was split three ways); the account number and balances in the Russian bank's letters; the hurricane deductible, the 1,500 dollar theft limit for jewelry and the one scheduled pair of earrings in the home policy; the list of documents for Vera's citizenship in the agency's memo; the vitamin D result; the exchange rate in the transfer confirmation; the refund in the accountant's letter; the outstanding balance on the mortgage statement; the price of the house and its tax block and lot in the closing statement; Tim's placement test score; the orthopedist's phone on the ER paper; the handwritten date of the second payment on the Russian school's contract; her wages and withholding on the W-2; the Mazda's VIN on the car order; the diploma's number; the roof's check numbers; the 2025 transfers one by one.

attachments.yaml

record: doc-shulman-letter-2025
template: document
style: letter
org:
  name: Pellbrook Tax & Accounting
  lines:
  - 19-40 Pellbrook Road
  - 2nd Floor
  - Fair Lawn, NJ 07410
  phone: '2015550161'
  web: pellbrooktax.example
  color: '#33475b'
title: 'Re: Your 2025 tax returns'
body: '{{receipt-shulman-2025.purchase_date}}


  Pavel I. Zaretsky and Yulia A. Zaretskaya


  8-17 Larkmoor Terrace, Fair Lawn, NJ 07410


  Dear Pavel and Yulia,


  Your 2025 returns were filed electronically and accepted. A summary for your files:


  | Return | Result |

  |---|---|

  | Federal Form 1040, married filing jointly | Refund of $1,284.00, direct deposit to checking ending
  8256 |

  | New Jersey NJ-1040 | Balance due of $212.00, to be drafted by e-check on April 10, 2026 |

  | FinCEN Form 114 (FBAR) for Yulia | Filed March 30, 2026, confirmation BSA ID 31000218844172 |


  | Item | Amount |

  |---|---|

  | Wages, both W-2s | $326,870.00 |

  | Adjusted gross income | $318,640.00 |

  | Mortgage interest, Form 1098 | $9,449.05 |

  | Property tax paid | $11,884.00 |

  | Dependent care FSA | $5,000.00 |

  | Child tax credit | phased out in part |


  Dependents claimed: Timofey P. Zaretsky and Vera P. Zaretskaya. Timofey''s Social Security record still
  shows the name TIMOFEI ZARETCKII. The return was accepted this year, but a mismatch can delay a refund.
  Please have the card corrected.


  ## Foreign account


  One account was reported: Shartash Bank, Yekaterinburg, Russia. The highest balance in 2025 was 312,904.18
  roubles, about $3,940. The total stayed under $10,000 all year, so the report was not required. I filed
  it as in prior years so that the record is continuous. Your share in the apartment in Yekaterinburg
  is not a financial account and is not reported.


  ## Money sent to your mother


  You sent $5,000.00 in 2025. This is under the annual gift exclusion and needs no gift tax return. Please
  keep saving each confirmation. If the yearly total passes the exclusion, we file Form 709. No tax would
  be due.


  ## For next year


  1. Send me the Russian bank''s letter for 2026 in January.

  2. If you sell or give away the share in the apartment, tell me before you sign.

  3. You still have no wills. With two children and property in two countries this should not wait.


  My fee for the returns and the FBAR is {{receipt-shulman-2025.price|money}}, paid. Thank you.


  Boris Shulman, CPA

  '