1099 and brokerage statement ingestion for the wealth practice that can't afford to be late in February. Schwab in three waves, LPL weekly, Vanguard in three groups — then 20–40% get corrected through September. Your team chases the moving target. AI catches it.
No commitment. You keep the ingestion-surface map either way.
of accounts get a corrected 1099
manual review, 200-client season
AI closes the same job
With Punctuations: every custodian unified, the correction cascade flagged before the client calls, wash sales tracked across accounts.
Schwab mails 1099s in three waves. LPL mails them weekly. Vanguard splits them into three groups. Then 20 to 40 percent of taxable accounts get a corrected 1099 — mostly March through April, sometimes September — driven by REIT income reclassifications, RIC adjustments, and foreign-tax gross-ups. Your clients call when the corrected form shows up. Your team scrambles before the client does.
Schwab in three waves, LPL weekly, Vanguard in three groups. A multi-custodian household means a 1099 calendar that never quite stops.
REIT reclassifications, RIC adjustments, and foreign-tax gross-ups drive corrected 1099s from March through September.
Your clients call when the corrected form lands in their inbox — and your team is finding out about it at the same moment they are.
Brokers calculate wash sales per account, on identical CUSIPs only. The tax rule requires substantially-identical tracking across all accounts — the 1099-B is wrong by design.
For TY2026, 1099-DA requires full basis and holding period on post-January-2025 lots — a new surface your intake has never had to handle.
OBBBA raised the 1099-NEC/MISC threshold from $600 to $2,000. Some clients won't get forms they used to — and the cross-check pattern breaks.
Four passes. Each one closes the gap between a stack of custodian feeds on different schedules and a household-level view your team can act on before the client calls.
One household — every custodian, every cadence
Correction cascade — flagged before the client calls
Wash sales — across every account in the household
New surfaces — handled, not improvised
OBBBA, signed July 2025, raised the 1099-NEC/MISC threshold from $600 to $2,000 for TY2026, inflation-indexed from 2027, and the 1099-K threshold reverted to $20,000 plus 200 transactions. Some clients won't receive 1099s in 2027 that they got in prior years — and the 1099-as-cross-check pattern your team relies on quietly stops working. That's a conversation worth having before filing season, not during it.
Built by the team behind complex document extraction at enterprise scale, sized for your firm. Punctuations.ai aggregates across custodians, flags correction cascades before they land in client inboxes, and handles the cross-account wash sale tracking the 1099-B was never built to do.
of taxable accounts get a corrected 1099 — through September
to review a 200-client season manually, at $50–$400/account
to close the same job with the aggregation layer running
"Punctuations helped us build a complex e-commerce platform with multiple integrations and AI image analysis technology. Their team has been responsive, reliable, and proactive in solving challenges while planning for future scale"
Clare Richards
Co-Founder & CEO, Impacks
"I was very pleased with how smooth the project went and the clear way the team communicated throughout the build of the product. They are very responsive and found them a pleasure to work with."
Eric Thorsen
CEO, Clarion Collective
"Their approach, thoroughness, and problem-solving abilities always proved invaluable. Recently, their technical guidance—particularly in AI—has significantly accelerated and enhanced our strategic direction. I highly recommend the Punctuations."
Ryan Hopewell
Founder, iNBuilt
No. It's the aggregation and cross-check layer that sits in front of your software — unifying custodians, tracking corrections, and catching cross-account wash sales. Your team still reviews and advises.
Bring your custodian mix. We map the entire ingestion surface — 1099s, K-1s, brokerage statements, and 1040 source docs — and show you what the first week of February looks like. Yours to keep whether or not we move forward.
It aggregates substantially-identical positions across every account in the household — including IRAs and a spouse's accounts at other custodians — which is exactly what a per-account 1099-B has no obligation to do.
ISO 27001-aligned. Data is processed in an isolated tenant, encrypted in transit and at rest, and purged on schedule. We sign standard NDAs.
No. The same form-agnostic engine handles K-1s, brokerage statements, and 1040 source documents — the whole tax-season intake surface, not just the 1099s.
Book the free 2-hour Tax-Season Intake Audit. Bring your custodian mix — leave with a map of the entire ingestion surface and a look at what the first week of February looks like. Yours to keep either way.
Wealth Management · CPA Tax Practices · Multi-Custodian · ISO 27001-aligned
