Multi-state income attribution
Remote work and temporary relocations affect residency and filing rules across states.
Individual taxes, handled with clarity.
New York pace meets multi-state rules. We organize your filings, explain your options, and keep paperwork aligned with your actual life.
When three places want a piece of your income
01
Live in NJ, work in NYC, earn elsewhere
Different states, different thresholds. Residency and source rules change how much you owe and where.
02
Quarterly estimates that don’t match reality
Bonuses, RSUs, and side income shift the picture. Estimates need revisiting as facts change.
03
That short-term rental or second home
Depreciation, exchanges, and timing choices have lasting effects on your return.
04
Notices that arrive at the worst time
Each letter expects a specific response. The timeline and documentation matter.
Common pain points
Where individual filers get tripped up
Multiple income sources and jurisdictions create traps that add up quickly.
Investment timing
When you recognize gains or losses changes your tax outcome for the year.
Quarterly payments
Variable income makes estimates drift. The safe harbor rules aren’t always obvious.
Notice response
Agencies expect precise documents and responses. Knowing what they’re asking for matters.
Services for individual filers
Tax preparation
Federal and state returns with attention to NYC and Tri-State rules, credits, and coordination.
Strategic planning
Entity and residency considerations, equity compensation, and timing choices explained clearly.
Records & documentation
Support for accurate records so filings align with what actually happened during the year.
Advisory
Complex income, investment holdings, or business interests coordinated with your other advisors.
Representation
Assistance during examinations and correspondence with federal and state tax authorities.
Multi-state compliance
Guidance on registration, filing, and withholding across the states where you have exposure.
Why clients work with Aber
Three decades
Guiding clients through law changes and economic cycles since the 1990s.
Focused on clarity
Complex rules, translated. You see the options and trade-offs before you choose.
Local and tri-state
New York, New Jersey, Connecticut. We work where our clients live and earn.
Coordinated with your team
We collaborate with attorneys, advisors, and payroll where needed.
Support and guidance
Tax-saving strategies to consider
Have questions—large or small—about how these fit your situation? Bring them to a consultation and we’ll walk through options in plain language.
Retirement plans
401(k), IRA, and other qualified plan contributions can reduce taxable income subject to eligibility and limits.
Health accounts
HSA and FSA contributions may offer pre-tax advantages for qualified medical expenses.
Qualified charitable distributions
For eligible taxpayers, direct gifts from certain retirement accounts can satisfy required distributions and reduce taxable income.
Medical expenses
Out-of-pocket costs above the IRS threshold may be deductible. Recordkeeping matters for substantiation.
Capital gains
Transaction timing, holding periods, and loss harvesting change outcomes. Review before year-end moves.
Offset short-term gains
Using capital losses to offset gains follows specific ordering and limit rules. Evaluate with your full picture.
Ready to make filing season simpler?
Start with a short conversation about your situation and what you want handled.