Each year we get questions from reps and tax preparers about how to handle transaction data for taxable accounts. While Flexible Plan Investments does not provide tax advice, the following procedural information may be useful.

To avoid having to enter each buy/sell transaction, you can use one of the following methods:

•              Axos Advisor Services integrates with Turbo Tax and H&R Block’s tax software, allowing you to download the data directly into the software program. Axos Advisor Services also provides the 1099-B tax data in CSV/spreadsheet format, which can be used with other software programs.

•              Totals can be entered on Schedule D, and a hard copy of the 1099-B data can be submitted separately from the electronically filed return. Totals entered using this method could be labeled “Per schedule submitted with Form 8453.” You would then submit an IRS Form 8453 with the 1099-B tax data to the following address:

Internal Revenue Service
Attn: Shipping and Receiving, 0254
Receipt and Control Branch
Austin, TX 73344-0254

Wash sales: Interest in the subject of wash sales and active management always spikes during tax season. Information about wash sales, their effects, and how to avoid them at Flexible Plan can be found here.

All client account requests to meet the December 31, 2025, deadline must be received in our office in good order no later than 5 p.m. (EST) on Monday, December 8, 2025. This includes, but is not limited to, any distribution for 2025, Roth conversions, and establishing a new qualified plan/Solo(k). Requests received after that date will be processed on a best-effort basis. Please call Client Services at (248) 642-6640, ext. 1, to confirm receipt of all submissions or if you have any questions.

As of November 5, the names of several All Weather, QFC All-Terrain, and Trivantage strategies were updated to better reflect their purpose and positioning.

This is a name change only—the investment approach and methodology remain the same, and accounts will continue to be managed without interruption.

View the full list of name changes here.

Questions? Contact our Client Services team at 800-347-3539, ext. 1.

In observance of the Thanksgiving holiday, our office will be closed Thursday, November 27, and Friday, November 28. On Friday, our Trading department will complete all required trades and transaction data downloads before the 1 p.m. market close. Regular business hours will resume Monday, December 1. Remember, clients can log in to ontargetinvesting.com at any time to access daily account information, quarterly statements, and more.

Axos now offers electronic delivery of all tax forms, 1099s, and RMD letters. To select electronic delivery, log in to your account on the Liberty website and navigate to the About Your Account and Document Delivery Options section. When you sign up for electronic delivery, you will receive email notifications when account documents are available.

By opening and funding an FPI Charitable donor-advised fund (DAF) account before the end of the year, you may be able to secure an immediate tax deduction, position yourself for tax-free growth of your charitable account, and access our dynamically risk-managed investment strategies designed to help maximize the potential of your charitable giving account over time. Don’t wait—this is the perfect time to take advantage of these benefits and simplify your giving. For more information or to get started, visit our FPI Charitable page or contact our service team at 800-347-3539, ext. 146.

As the end of the year draws closer, make sure to adequately plan for any IRA contributions, required minimum distributions (RMDs), or gifts.

The IRS requires tax-deferred account holders over a certain age to take an RMD from their IRA, SIMPLE IRA, SEP IRA, or retirement plan account on an annual basis. For more information about RMDs, see the IRS website.

Flexible Plan Investments clients were notified earlier this year of their minimum distribution amount. To request the RMD, complete the IRA distribution request form. Axos Advisor Services will not make a distribution without a completed form. Advisers who want to review RMD information for clients can run the RMD Report from Axos Advisor Services’ Liberty website under Documents, Standard Reports, RMD Report.

If you have any questions or need additional information, please contact our Client Services team at clientservices@flexibleplan.com.