tax-season-organizer
用結清的帳算季度預估稅款，或整理年底 1099-NEC 名單
中文翻譯
--- name: tax-season-organizer description: > 為老闆的會計師準備報稅季的資料，不是稅務建議。 採美國聯邦稅制；非美國企業改拿結清帳務的資料包。有兩種模式： (1) 根據總帳（MYOB、NetSuite、QuickBooks、Xero 或 Zoho Books）的 YTD 淨利， 計算季度預估稅款；(2) 年底 1099 準備，掃描總帳、PayPal 和 Stripe， 找出付款超過 USD 600 的承包商，整理成 1099-NEC 名單並標出缺 W-9 的人。 任何稅務請求都會先導向 /tax-prep，由它確認帳已經結清、對帳完畢， 再跑這個 skill。只有在老闆說該期間的帳已經結清時，才直接使用這個 skill： 「books are closed, now do the 1099s」、「run the quarterly estimate off the closed numbers」，或「just the contractor W-9 list」。 allowed-tools: Read, WebFetch --- # 報稅季整理（Tax Season Organizer） > **框架：** 這個 skill 產出的是給 CPA 的準備資料，不是稅務建議。要早點說明這點， > 並明確寫出每一個假設，讓會計師可以調整。 ## 快速開始 判斷使用者需要哪一種模式，拉出相關資料，計算或彙整，然後交付一份會計師可以直接拿去用的結構化文件。 ``` User: "what do I owe for estimated taxes this quarter?" → Pull YTD P&L from QuickBooks → Calculate estimated federal income tax + SE tax → Subtract payments already made this year → Show Q-specific amount due with due date and assumptions stated → Output: "Estimated Q2 payment due June 16: USD X — see full breakdown below" User: "I need to send out 1099s" → Pull all contractor/vendor payments from QuickBooks + PayPal + Stripe → Identify contractors paid ≥ USD 600 YTD → Flag records missing W-9 / EIN → Output: 1099-NEC candidate list + missing W-9 action list ``` ## Step 0：先檢查國家 下面兩條路徑都是**美國聯邦稅制**：自僱稅（self-employment tax）、聯邦稅率級距表、1099-NEC 和 W-9。選擇模式之前，先從 `## Business context` 區塊讀 `Country`（規則：`../../shared/currency-and-locale.md`）。如果沒有，就問。 - **美國** → 繼續做「判斷模式」。 - **其他任何國家** → 用一句話說明並停止美國的計算：*「這裡的季度預估和 1099 路徑是為美國聯邦稅制設計的。你的帳在英國，所以我會改幫你準備給會計師的結清帳務資料包，而不是美國的預估稅款。」* 然後針對範圍內的期間提議 `/close-month`。不要對非美國企業跑美國的計算，也不要把它改貼成泛用的估算。 輸出裡的每個金額都用企業的幣別代碼；USD 600 那條線是美國法律，要標明這點。 ## 判斷模式 讀使用者的訊息和背景，判斷適用哪條路徑： - **季度預估**：關鍵字：estimated payment、quarterly taxes、how much to set aside、safe harbor、Q1/Q2/Q3/Q4 - **年底 1099 準備**：關鍵字：1099、1099-NEC、year-end、contractors、W-9、send 1099s、file 1099s - **合併**：有些使用者會問「year-end summary」，兩個都需要。季度預估最後做；先做 1099 準備，因為它帶出最多的待辦事項。 如果意圖不明確，就問：「你是要看這一季的預估稅款，還是在幫承包商準備 1099，還是兩個都要？」 --- ## 路徑 1：季度預估稅款 ### 1. 拉 YTD 財務資料 用連上的總帳（MYOB、NetSuite、QuickBooks、Xero 或 Zoho Books，它們是平等的，依 `../../shared/connector-neutrality.md`）拉一份損益表（Profit & Loss），範圍從今年 1 月 1 日到最近一個完整季度的最後一天。擷取： - **總營收**（總收入） - **總費用**（營運費用、COGS 等） - **一般淨收入** = 營收 − 費用 如果沒有連總帳，就請使用者上傳 CSV 格式的損益表，或貼上關鍵數字。各總帳的欄位名稱和查詢方式，請看 [reference/connector-queries.md](reference/connector-queries.md)。 ### 2. 詢問先前已付的預估稅款 計算之前先問：「今年到目前為止，你已經付了多少預估稅款？」如果使用者不知道，就註明你會計算總稅負，他們可以自己扣掉已付的款項，或跟會計師確認。 ### 3. 計算預估稅負 完整的算式，以及輸出中必須包含的假設表，請看 [reference/calculation-assumptions.md](reference/calculation-assumptions.md)。 **先做年化。** 計算是以預計的全年淨利為基礎，不是 YTD： `年化淨利 = YTD 淨利 ÷ 已過月數 × 12`。兩個都要顯示，並標上標籤。季節性的企業：要去問，不要直接線性推估。 簡短版，六個步驟全都以**年化**淨利來跑： 1. **自僱稅（SE tax）** = 年化淨利 × 0.9235 × 0.153（然後取一半，可扣除的那一半用來抵減收入） 2. **調整後淨利** = 年化淨利 − (SE tax / 2) 3. **聯邦所得稅** = 套用適合使用者企業型態和預估年收入的稅率級距（預設為 22%，除非使用者告訴你他們的級距；要明確註明這個假設） 4. **全年總稅負** = 聯邦所得稅 + SE tax 5. **每季付款** = （全年總稅負 − 已付款項）÷ 還剩的季數 6. **Safe harbor 檢查**：註明使用者是否應該對照前一年的稅額驗證（前一年的 100%，或 AGI 超過 USD 150k 時為 110%） **如果有到期日已經過了還沒付**，要點名，並把補繳的金額獨立列成一行，跟下一次付款分開。罰款和利息交給會計師，要標出它們會適用，絕不估算。如果沒有剩下的季度，就是隨申報書一起繳。 ### 4. 說明假設並交付輸出 逐段的完整文件結構在 [reference/output-formats.md](reference/output-formats.md)。 有兩件事沒有商量的餘地：**標題裡要出現稅務年度**，以及 **Assumptions 區段列出每一個假設**：稅率級距、企業結構、排除的州稅、可扣除的 SE 一半，以及沒有套用的扣除額。會計師就是從這些槓桿去調整的，少列一個就害他們得重做一次。 --- ## 路徑 2：年底 1099 準備 ### 1. 從所有來源拉承包商付款 查詢每一個連上的來源，找出稅務年度中**為服務而付給個人或企業的所有款項**。不要包含為商品而付的款項、退款或內部轉帳。 **總帳：先試即時的 connector，再退回 CSV 匯出。** QuickBooks 可能只回傳類別層級的合計，沒有 payee 明細，這時你需要使用者匯出依廠商分類的 Transaction List。Xero 提供依聯絡人的帳單和付款，以及美國組織的 1099 報表摘要。偵測邏輯、要問的確切措辭，以及每個總帳的欄位對應，都在 [reference/connector-queries.md](reference/connector-queries.md)。 **PayPal：** 拉所有送出的「Goods & Services」付款。注意：PayPal 會對超過門檻的承包商自己開 1099-K，要在輸出裡把這些獨立標出來，讓會計師判斷是否還需要 1099-NEC。 **Stripe：** 拉所有轉給外部對象的轉帳／撥款。適用跟 PayPal 一樣的 1099-K 但書。 **Square：** 透過 connector 沒有任何付給外部對象的款項（撥款是進老闆自己的銀行；承包商薪資在 Square Payroll，而它碰不到）。要把它列為沒有東西可提供的來源，不要默默漏掉；1099-K 的提醒適用於企業自己的收款。細節在 [reference/connector-queries.md](reference/connector-queries.md)。 **桌面版／CSV：** 如果使用者直接上傳 CSV（沒有經過 QuickBooks 匯出），要對應欄位：payee 名稱、金額、日期、付款方式、EIN/SSN 狀態。 ### 2. 依 payee 彙總 跨來源合併，並依個人或企業實體加總付款。依名稱去除重複（注意「John Smith」和「John A. Smith」，把可能的重複標記出來交給人檢視，不要自動合併）。 ### 3. 套用 USD 600 門檻 - **標記為 1099-NEC：** 任何因服務（承包商、自由工作者、顧問）而被付款 ≥ USD 600 的 payee - **標記為 1099-MISC：** 任何因租金、律師費、獎項／獎金而被付款 ≥ USD 600 的 payee - **接近門檻的警示：** 標出被付款 USD 400 到 USD 599 的 payee，接近門檻，會計師可能想驗證 公司（Inc.、Corp.，以及被課徵為 C 或 S corp 的 LLC）通常不需要 1099-NEC，要註明這點，但仍要標記讓會計師確認。 ### 4. 檢查 W-9 狀態 針對每個被標記的 payee，註明總帳裡是否有 W-9 / EIN 的紀錄。標記為： - ✅ 已有 W-9（EIN/SSN 記錄在總帳的廠商或聯絡人紀錄中） - ⚠️ 缺少：沒有 W-9；申報前必須收齊 - ❓ 未知：無法從現有資料判斷 ### 5. 交付 1099 準備資料包 逐段的完整結構在 [reference/output-formats.md](reference/output-formats.md)。 最重要的部分：**缺 W-9 的待辦清單**，因為這些會擋住申報，而期限是 1 月 31 日；以及**支付處理商備註**，因為只透過 PayPal 或 Stripe 付款的承包商，可能已經收到 1099-K 了，會計師得決定是否還需要 1099-NEC。 --- ## 護欄 - **每份輸出都要寫明稅務年度。** [reference/calculation-assumptions.md](reference/calculation-assumptions.md) 裡的稅率級距、工資基數和到期日是 **2025 年的數字**。準備的是不同年度：在顯示任何數字之前，先大聲說出來，然後引用 IRS.gov 上目前的數字，或問老闆。**絕不編造稅率級距、工資基數或到期日。** - **不是稅務建議。** 每份交付物的開頭都要寫：「Prepared for review by your accountant — not tax advice.」要放在文件標題裡，不是只放在聊天中。 - **說明每一個假設。** 如果你假設了 22% 的級距，就說出來。如果你排除了州稅，就說出來。會計師會調整；把槓桿給他們。 - **不要自動合併 payee。** 把可能的重複標記出來給人檢視。 - **不要申報任何東西。** 輸出是準備資料。申報不在範圍內。 - **公司豁免是需要判斷的事。** 註明它；不要自動排除。 - **絕不要在資料包、聊天或渲染的頁面中重現承包商的 SSN，或完整的銀行或卡號。** 1099 上的企業 EIN 是唯一設計好的例外（`../../shared/personal-data.md`）。 ## 更多來源 - **Gusto**：實際跑過的薪資：工資、扣繳款和承包商付款。這會讓兩種模式都更深入：季度預估不再用猜的薪資數字，1099 準備也能把承包商付款跟 Gusto 已經申報的內容對帳。當 Gusto 顯示某個 payee 已經開過 1099，就標記出來，不要重複準備。 - **Xero**：季度路徑用的損益表；做 payee 名單用的依聯絡人帳單和付款；對美國組織來說，還有 1099 報表摘要，一次讀取就是路徑 2 預期的輸出。查詢寫在 `reference/connector-queries.md`。 - **Ramp、Expensify**：卡片消費和支出明細，用在季度預估的扣除額那一側，以及能幫忙確認 1099 名單完整的廠商付款明細。Expensify 的收據篩選會找出經不起佐證的支出，那正是會計師在申報前最想要的標記。 - **MYOB**：只有損益表，給用 MYOB 的店家。唯讀、三個財務年度的歷史，**而且沒有承包商或廠商 payee 明細**，所以它供應季度預估，在 1099 準備中沒有任何作用。 同樣的稅額計算、同樣的會計師資料包。來源越多，需要說明的假設越少。 ## 輸出 **依老闆儲存的輸出偏好交付預估稅款或 1099 資料包，絕對不要預設產出 markdown 檔。** 檢查 `## Business context` 區塊裡的 `Output preference`（共用的風格指南規則，`../../shared/artifact-style.md`）： - **Visual artifact（預設）：** 用 house 風格把摘要渲染成 HTML 頁面：預估稅款或 1099 數量當主要的數字卡、假設表、缺 W-9 的人各自成列並附一個標籤，期限放在最上面。開頭放 not-tax-advice 那句。會計師文件本身維持 `reference/output-formats.md` 裡的結構。 - **docx / md / notion / canva 偏好：** 用該格式交付同樣的內容：DOCX 或 markdown 檔、透過 connector 建立的 Notion 頁面（要有指定的目的地，絕不覆寫既有頁面），或透過 Canva connector 建立的 Canva Doc（每次執行都建新設計、用日期命名，表格改成清單）。如果 Notion 或 Canva 沒連上，就退回 visual artifact，並說明是因為這個原因。 - **Best for skill：** 用 visual artifact，因為這份輸出是一個蓋在要交給會計師的文件之上的狀態頁。 ## 資料包之後 預估稅款或 1099 資料包已經在會計師手上，假設都已說明。自然的下一步是「close the month」，`/close-month` 讓下一次預估繼續建立在對完帳的數字上，而不是原始的 register。另外相關的還有：「cash forecast」（`cash-flow-snapshot`），確認付款在到期日付得出來；以及「who owes me money」（`invoice-chase`），如果需要靠催收來支應。最多提三個，這次對話裡老闆已經拒絕過的就跳過。 ## 參考檔案 - [reference/calculation-assumptions.md](reference/calculation-assumptions.md)：完整的稅額算式、2025 年稅率級距表、SE tax 逐步說明、YTD 對年化、漏繳的季度 - [reference/output-formats.md](reference/output-formats.md)：季度摘要和 1099 資料包兩者的文件結構 - [reference/connector-queries.md](reference/connector-queries.md)：如何從每個總帳（MYOB、NetSuite、QuickBooks、Xero、Zoho Books）、PayPal、Square 和 Stripe 拉資料，包含廠商層級的備案 - [reference/gotchas.md](reference/gotchas.md)：常見失敗模式的好／壞做法 - [reference/examples/quarterly-estimate.md](reference/examples/quarterly-estimate.md)：季度預估的實作範例 - [reference/examples/year-end-1099.md](reference/examples/year-end-1099.md)：年底 1099 準備的實作範例 ## 使用沒列出來的工具 這個 skill 裡提到的 connector 是測試過的路徑，不是硬性限制。如果老闆想讓這個流程用一個沒連上或沒列出來的工具，就提議 `build-connector`：它會先查 connector 目錄，沒有的話再透過 Zapier 連接，絕不直接對原始 API 手刻。連線建好之後，這個工具就跟其他選用的 connector 一樣加入這個 skill，並遵守同樣的核准關卡。
英文原文
--- name: tax-season-organizer description: > Prepares tax-season materials for the owner's accountant, not tax advice. US federal tax; a non-US business gets its closed-books packet instead. Two modes: (1) quarterly estimated tax from YTD net income in the ledger (MYOB, NetSuite, QuickBooks, Xero, or Zoho Books); (2) year-end 1099 prep, scanning the ledger, PayPal, and Stripe for contractors paid over USD 600 into a 1099-NEC list with missing W-9 flags. Any tax request routes first to /tax-prep, which confirms the books are closed and reconciled before running this skill. Use this skill directly only when the owner says the period's books are already closed: "books are closed, now do the 1099s," "run the quarterly estimate off the closed numbers," or "just the contractor W-9 list." allowed-tools: Read, WebFetch --- # Tax Season Organizer > **Framing:** This skill produces prep material for a CPA, not tax advice. Say so early > and state every assumption explicitly so the accountant can adjust. ## Quick start Determine which mode the user needs, pull the relevant data, calculate or compile, and deliver a structured document the accountant can work from directly. ``` User: "what do I owe for estimated taxes this quarter?" → Pull YTD P&L from QuickBooks → Calculate estimated federal income tax + SE tax → Subtract payments already made this year → Show Q-specific amount due with due date and assumptions stated → Output: "Estimated Q2 payment due June 16: USD X — see full breakdown below" User: "I need to send out 1099s" → Pull all contractor/vendor payments from QuickBooks + PayPal + Stripe → Identify contractors paid ≥ USD 600 YTD → Flag records missing W-9 / EIN → Output: 1099-NEC candidate list + missing W-9 action list ``` ## Step 0 — Check the country first Both paths below are **US federal tax**: self-employment tax, the federal bracket table, 1099-NEC and W-9. Before choosing a mode, read `Country` from the `## Business context` block (rule: `../../shared/currency-and-locale.md`). If it is absent, ask. - **US** → continue to Determine mode. - **Anything else** → say so in one line and stop the US math: *"The quarterly-estimate and 1099 paths here are built for US federal tax. Your books are in the UK, so I'll get your closed-books packet ready for your accountant instead of a US estimate."* Then offer `/close-month` for the periods in scope. Do not run a US calculation on a non-US business, and do not relabel one as a generic estimate. Every amount in the output is in the business's currency code; the USD 600 line is US law and is named as such. ## Determine mode Read the user's message and context to decide which path applies: - **Quarterly estimate** — keywords: estimated payment, quarterly taxes, how much to set aside, safe harbor, Q1/Q2/Q3/Q4 - **Year-end 1099 prep** — keywords: 1099, 1099-NEC, year-end, contractors, W-9, send 1099s, file 1099s - **Combined** — some users will ask "year-end summary" and need both. Run quarterly last; run 1099 prep first since it drives the most action items. If the intent is ambiguous, ask: "Are you looking at your estimated tax payment for this quarter, or are you preparing 1099s for your contractors — or both?" --- ## Path 1: Quarterly estimated tax ### 1. Pull YTD financials Use the connected ledger (MYOB, NetSuite, QuickBooks, Xero, or Zoho Books — peers, per `../../shared/connector-neutrality.md`) to pull a Profit & Loss report from January 1 of the current year through the last day of the most recently completed quarter. Capture: - **Gross revenue** (total income) - **Total expenses** (operating expenses, COGS, etc.) - **Net ordinary income** = revenue − expenses If no ledger is connected, ask the user to upload a P&L as CSV or paste the key numbers. For field names and query approach per ledger, see [reference/connector-queries.md](reference/connector-queries.md). ### 2. Ask about prior estimated payments Before calculating, ask: "How much have you already paid in estimated taxes so far this year?" If the user doesn't know, note that you'll calculate total liability — they can subtract payments themselves or check with their accountant. ### 3. Calculate estimated liability See [reference/calculation-assumptions.md](reference/calculation-assumptions.md) for the full math and the assumptions table you must include in output. **First, annualize.** The math runs on projected full-year net profit, not YTD: `annualized net = YTD net ÷ months elapsed × 12`. Show both, labeled. Seasonal business: ask rather than straight-lining. Short version, all six steps running on **annualized** net profit: 1. **SE tax** = annualized net profit × 0.9235 × 0.153 (then halve it — the deductible half offsets income) 2. **Adjusted net** = annualized net profit − (SE tax / 2) 3. **Federal income tax** = apply the bracket rate appropriate to the user's business type and estimated annual income (default to 22% unless the user tells you their bracket; note this assumption explicitly) 4. **Total annual liability** = federal income tax + SE tax 5. **Quarterly payment** = (total annual liability − payments made) ÷ quarters still ahead 6. **Safe harbor check** — note whether the user should verify against prior-year tax (100% of prior year, or 110% if AGI > USD 150k) **If a due date has already passed unpaid**, name it and show the catch-up on its own line, separate from the next payment. Penalty and interest go to the accountant — flag that they apply, never estimate them. With no quarters left, it is due with the return. ### 4. State assumptions and deliver output The full section-by-section document structure is in [reference/output-formats.md](reference/output-formats.md). Two things that are not negotiable: the **tax year appears in the header**, and the **Assumptions section lists every assumption** — bracket rate, business structure, state taxes excluded, deductible SE half, and the deductions not applied. The accountant adjusts from those levers, so leaving one out costs them a rebuild. --- ## Path 2: Year-end 1099 prep ### 1. Pull contractor payments from all sources Query each connected source for **all payments made to individuals or businesses for services** in the tax year. Do not include payments for goods, refunds, or internal transfers. **The ledger — try the live connector first, fall back to a CSV export.** QuickBooks may return only category-level totals with no payee breakdown, in which case you need the user to export a Transaction List by Vendor. Xero supplies bills and payments by contact, and a 1099 report summary for US organisations. The detection logic, the exact wording to ask with, and the column mapping per ledger are in [reference/connector-queries.md](reference/connector-queries.md). **PayPal:** Pull all "Goods & Services" payments sent. Note: PayPal issues its own 1099-K to contractors above the threshold — flag these separately in output so the accountant can determine whether a 1099-NEC is also needed. **Stripe:** Pull all transfers/payouts made to external parties. Same 1099-K caveat as PayPal applies. **Square:** holds no payments to external parties through the connector (payouts go to the owner's own bank; contractor pay is in Square Payroll, which it does not reach). Name it as a source with nothing to contribute rather than dropping it silently; the 1099-K note applies to the business's own receipts. Detail in [reference/connector-queries.md](reference/connector-queries.md). **Desktop/CSV:** If the user uploads a CSV directly (without going through QuickBooks export), map columns: payee name, amount, date, payment method, EIN/SSN status. ### 2. Aggregate by payee Combine across sources and sum payments by individual or business entity. Deduplicate by name (watch for "John Smith" vs "John A. Smith" — flag likely duplicates for human review rather than auto-merging). ### 3. Apply the USD 600 threshold - **Flag for 1099-NEC:** any payee paid ≥ USD 600 for services (contractors, freelancers, consultants) - **Flag for 1099-MISC:** any payee paid ≥ USD 600 for rent, attorney fees, prizes/awards - **Near-threshold alert:** flag payees paid USD 400–USD 599 — close to the threshold, accountant may want to verify Corporations (Inc., Corp., LLC taxed as C or S corp) generally do not need a 1099-NEC — note this but flag for accountant confirmation. ### 4. Check W-9 status For each flagged payee, note whether a W-9 / EIN is on file in the ledger. Mark as: - ✅ W-9 on file (EIN/SSN recorded in the ledger's vendor or contact record) - ⚠️ Missing — W-9 not on file; must collect before filing - ❓ Unknown — cannot determine from available data ### 5. Deliver the 1099 prep package The full section-by-section structure is in [reference/output-formats.md](reference/output-formats.md). The parts that carry the most weight: the **missing-W-9 action list**, because those block filing and the deadline is January 31, and the **payment processor note**, because a contractor paid only through PayPal or Stripe may already be getting a 1099-K and the accountant has to decide whether a 1099-NEC is also needed. --- ## Guardrails - **Name the tax year in every output.** The brackets, wage base, and due dates in [reference/calculation-assumptions.md](reference/calculation-assumptions.md) are **2025 figures**. Preparing a different year: say so loudly before showing any number, then cite current figures from IRS.gov or ask the owner. **Never invent a bracket, a wage base, or a due date.** - **Not tax advice.** Open every deliverable with this: "Prepared for review by your accountant — not tax advice." Include it in the document header, not just in chat. - **State every assumption.** If you assumed a 22% bracket, say so. If you excluded state taxes, say so. The accountant will adjust; give them the levers. - **Don't merge payees automatically.** Flag likely duplicates for human review. - **Don't file anything.** The output is prep material. Filing is out of scope. - **Corporation exemption is a judgment call.** Note it; don't auto-exclude. - **Never reproduce a contractor's SSN or a full bank or card number** in the packet, the chat, or a rendered page. A business EIN on a 1099 is the one designed exception (`../../shared/personal-data.md`). ## More sources - **Gusto** — payroll actually run: wages, withholdings, and contractor payments. This deepens both modes — quarterly estimates stop guessing at payroll figures, and 1099 prep can reconcile contractor payments against what Gusto already filed. When Gusto shows a 1099 was already issued for a payee, flag it rather than double-preparing. - **Xero** — P&L for the quarterly path; bills and payments by contact for the payee list; and, for a US organisation, a 1099 report summary that is the expected output of Path 2 in one read. Queries in `reference/connector-queries.md`. - **Ramp, Expensify** — card spend and expense detail for the deduction side of the quarterly estimate, and vendor payment detail that helps confirm the 1099 list is complete. Expensify's receipt filter finds the expenses that will not survive substantiation, which is the flag an accountant most wants before filing. - **MYOB** — P&L only, for MYOB shops. Read-only, three financial years of history, **and no contractor or vendor payee detail** — so it feeds the quarterly estimate and plays no part in 1099 prep. Same tax math, same accountant packet. More sources, fewer assumptions to state. ## Output **Deliver the estimate or 1099 package per the owner's stored output preference — never default to a markdown file.** Check the `## Business context` block's `Output preference` (shared style guide rule, `../../shared/artifact-style.md`): - **Visual artifact (the default):** render the summary as an HTML page in the house style — the estimate or 1099 count as the lead stat tile, the assumptions table, missing W-9s as rows with a pill each, and the deadline up top. Open with the not-tax-advice line. The accountant documents themselves keep the structure in `reference/output-formats.md`. - **docx / md / notion / canva preference:** deliver the same content in that form — a DOCX or markdown file, a Notion page created via the connector (named destination, never overwriting), or a Canva Doc created via the Canva connector (a new design each run, named with the date; tables become lists); fall back to the visual artifact if Notion or Canva is not connected — and say that is why. - **Best for skill:** use the visual artifact — this output is a status page over accountant-bound documents. ## After the packet The estimate or the 1099 package is in the accountant's hands, assumptions stated. The natural next step is "close the month" — `/close-month` keeps the next estimate running on reconciled numbers instead of the raw register. Also nearby: "cash forecast" (`cash-flow-snapshot`) to confirm the payment clears on its due date, and "who owes me money" (`invoice-chase`) if collections need to cover it. Offer at most three, and skip any offer the owner already declined this session. ## Reference files - [reference/calculation-assumptions.md](reference/calculation-assumptions.md) — full tax math, 2025 bracket table, SE tax walkthrough, YTD-vs-annualized, missed quarters - [reference/output-formats.md](reference/output-formats.md) — document structure for both the quarterly summary and the 1099 package - [reference/connector-queries.md](reference/connector-queries.md) — how to pull data from each ledger (MYOB, NetSuite, QuickBooks, Xero, Zoho Books), PayPal, Square, and Stripe, including the vendor-level fallback - [reference/gotchas.md](reference/gotchas.md) — Good / Bad patterns for common failure modes - [reference/examples/quarterly-estimate.md](reference/examples/quarterly-estimate.md) — worked quarterly estimate example - [reference/examples/year-end-1099.md](reference/examples/year-end-1099.md) — worked year-end 1099 prep example ## Using a tool that isn't listed The connectors named in this skill are the tested paths, not a wall. If the owner wants this flow to use a tool that isn't connected or listed, offer `build-connector` — it checks the connector directory first and connects through Zapier otherwise, never hand-building against a raw API. Once the connection exists, the tool joins this skill like any other optional connector, under the same approval gates.