Sarah Chen CPAPowered by Plio
Mike SabharwalMS

Hi Mike — what do you need help with?

Ask anything tax. We'll answer what we can right away and send anything sensitive to your CPA for review.

Every answer routes through Sarah's policy: for each tax topic she sets whether the AI answers directly, drafts for her review, or defers to her entirely. Client-specific tags (#HNW, #first_year,#audit_pending) can override the firm default for that group.

Mike asked three questions this week.

Each one got a different kind of answer — controlled by Sarah's firm playbook.

●Auto-answered from Sarah's playbook
I bought a $2,500 laptop for client work. Can I deduct it this year?
Mon 2:14 PM
SC
Yes — full deduction this year. Sarah Chen CPA expenses all equipment under $5,000 (you elected the de minimis safe-harbor in 2022). Deduct on Schedule C against your consulting income. I've added it to your 2026 file with the receipt you attached.
✓Answered from your firm's capitalization policy · 3 sec ago
●Drafted for Sarah's review
I sold some NVDA in March. Should I do anything before year-end?
Wed 9:42 AM
SC
Good question for year-end planning. Looking at your portfolio, you're sitting on +$18,400 YTD in realized gains. I'm drafting a tax-loss harvesting plan that uses your $6,200 in 2024 carryover and works around your Feb 14 wash-sale window, but Sarah needs to sign off because the math here matters.
●Drafted · Sarah will review and follow up by Thursday
●Escalated to Sarah directly
I just got a CP2000 notice from the IRS for my 2024 return. What do I do?
📎 CP2000_Notice_2024.pdf · 4 pages
Fri 11:03 AM
SC
I'm flagging this for Sarah right now. CP2000 notices need a careful response within 30 days, and the right move depends on the specific line items the IRS is disputing — I shouldn't guess on this one. Sarah will see the full notice + your 2024 return and reach out today.
●Escalated · Sarah will reach out today
Now flip the panelWhat Sarah sees on her side
Review queue (2)InboxClients
Sarah Chen CPA · Admin
47 routine questions auto-answered today from your firm's playbook. All sent to clients.
MS
Mike Sabharwal
Filing 2026 personal taxes · drafted by Plio · 9 min ago
●Medium — drafted
I sold some NVDA in March. Should I do anything before year-end?
Client context
  • California resident. AGI projection: $186k for 2026. Marginal federal bracket: 24%; CA: 9.3%.
  • 2024 carryover loss: $6,200 short-term available (from 2024 Schedule D).
  • YTD realized gains: +$18,400 across 7 positions (sourced from Fidelity statements you uploaded last month).
  • Wash-sale watch:Mike rebought NVDA on Feb 14 — 30-day window closes Mar 17. He's also holding 3 candidates with embedded losses that are safe.
  • Prior elections: Standard deduction filer (no Schedule A in 2024). No prior tax-loss harvesting history.
AI draft for your review
Good question for year-end planning. Looking at your portfolio, you're sitting on +$18,400 YTD in realized gains. Your 2024 carryover loss of $6,200 is still available. At your projected 24% bracket, harvesting $12,000 in your underwater positions would offset to net +$200 — saving you about $2,900 federal + $1,100 CA. Three of your loss candidates are clean; two trigger your Feb 14 NVDA wash-sale and need to wait until Mar 17 or get substituted. I've sketched the trades — want me to walk through them?
Mode●Drafted for review
Escalation reasonPersonalized investment advice + state conformity nuance
Promised reply byThu, Dec 5 EOD

Inside the firm

Set the policy once. We enforce it on every answer.

For every tax topic, Sarah sets whether the AI answers directly, drafts for her review, or defers to her entirely. Tag a client #HNW or #first_yearand the policy automatically tightens for that group. Defaults are tuned for a general-practice firm; Sarah adjusts to her specialty.

Concrete enforcement: when Mike asks about an NVDA position, the “Cost basis” topic is set to Yellow for him, so Plio drafts an answer using his actual carryover losses and prior-year wash-sale flags, then routes it to Sarah. When he asks about his foreign brokerage account, the #HNW override on FBAR fires — Plio defers to Sarah with no draft.