RSU 1099-B Basis $0 | W-2 Basis Already Taxed
PROOF LOG #007
RSU 1099-B Basis $0 | W-2 Basis Already Taxed
When 1099-B says zero and payroll says $7,205 was already taxed.
The broker record does not show the W-2 basis.
The RSU income was already included in compensation.
Same RSU. Two tax records.
FDL Pro reconciles the basis chain.
The result is not accepted blindly.
It becomes reviewable.
WATCH THE RECONSTRUCTION
Watch the $7,205 RSU basis chain being restored.
- 1099-B reports $0 basis
- W-2 shows $7,205 already taxed
- Tax Report reflects the corrected basis
- Tax Alpha Dashboard surfaces the shield
- Audit Trail preserves the basis chain
EXECUTIVE PROOF
1099-B / Broker View
- basis may appear as $0
- payroll basis is not visible
- split-adjusted RSU lineage can be hard to inspect
- the operator is left reconciling fragments
FDL Registry of Truth™
- §83 basis is carried into the tax file
- the $7,205 basis shield remains visible
- Code B is reflected from the prepared record
- the trace remains reviewable after the NVDA split
PHASE 1 — THE BREAK
The RSU did not create two tax events.
The records made it look that way.
1099-B shows zero basis while payroll shows the same value was already taxed as W-2 income.
What looks complete can still be structurally incomplete.
PHASE 2 — THE RE-ANCHORING
FDL does not start from the broker field alone.
It carries the §83 basis into Tax Report, surfaces the shield, and records the chain through the NVDA split.
FDL does not create a new basis.
It restores the basis already taxed.
FORENSIC EVIDENCE
What must remain intact
- Compensation recordThe W-2 income inclusion must remain visible.
- Basis continuityThe RSU basis must remain connected to the sale record.
- Split continuityThe NVDA 10-for-1 split must not erase the basis chain.
What FDL makes legible
- Tax ReportShows what changed in the tax result.
- Tax Alpha DashboardShows where the basis shield sits.
- Audit TrailRecords the vesting, basis, split, and sale trace.
This is the point of the white-box architecture:
result, shield, and trace remain separate and reviewable.
WHY THIS CASE MATTERS
RSUs are taxed when they vest.
If that W-2 income is not reflected in sale basis, the same economic value can appear again as taxable gain.
This is not a broker-blame story.
It is a record-reconciliation problem.
WHAT FDL IS SHOWING HERE
FDL Pro does not rely on the broker field alone.
It reconciles payroll, lot history, corporate action logic, and tax output across three surfaces.
The tax file becomes reviewable, not merely accepted.
CHOOSE YOUR NEXT STEP
FinDash Lens Pro — deterministic tax infrastructure for prepared, in-scope records.