Self-Serve tier

Choose between a §401(k) plan loan under IRC §72(p) (no tax + no 10% penalty if repaid) and a §401(k) hardship withdrawal under §401(k)(2)(B)(IV) and Treas. Reg. §1.401(k)-1(d)(3) (subject to ordinary income tax + 10% §72(t) early-withdrawal penalty if under 59½). Embeds the $50,

401(k) at-separation decision framework — direct rollover vs. indirect rollover vs. leave-in-plan vs. cash-out — including IRC §72(t) 10% early withdrawal penalty, 60-day rollover rule, 20% mandatory withholding (IRC §3405(c)), and NUA election. T2 tier.

72(t) SEPP early-distribution exception calculator — IRC §72(t)(2)(A)(iv) substantially equal periodic payments using RMD/amortization/annuitization methods per Notice 2022-6, account-balance setup, modification trap, and one-time-switch rule. T2 tier.

Reconcile state + local short-term-rental tax obligations on top of federal Schedule C/E — TOT (transient occupancy tax), state lodging tax, marketplace facilitator post-Wayfair pass-through, host vs guest collection, and STR insurance overlay. State-by-state grid for major marke

Map asbestos and lead-based-paint disclosure + abatement obligations for pre-1978 / pre-1980 homes under TSCA §409, 40 CFR §745 (lead RRP rule), 40 CFR §763 (asbestos NESHAP for school + commercial; OSHA §1926.1101 for construction), and EPA Renovation Repair Painting (RRP) Rule.

First-72-hour playbook after a non-fatal auto accident — the four immediate steps (stop, render aid + call police, exchange info, document scene), state PIP / no-fault filing window, bodily-injury claim preservation, and statement-to-insurer hygiene. Maps the 12 PIP no-fault stat

Recover the three commonly underpaid components of an auto insurance claim — diminished value, rental car / loss of use, and total loss settlement (ACV vs. broad-evidence rule). Maps state diminished-value recognition (GA Mabry rule, third-party DV claims widely allowed; many sta

Decision framework for retaining or dropping auto collision and comprehensive coverage based on vehicle ACV, deductible, and state tort/no-fault classification. Maps the 12 no-fault PIP states (FL, MI, MN, NY, NJ, PA, KS, KY, MA, ND, UT, HI) and the 38 tort/at-fault states. Appli

Audit uninsured / underinsured motorist (UM/UIM) coverage — limits sized to liability floor, stacking election in stacking states, written rejection requirements, and the offset-vs-true-excess UIM dispute (limits-to-limits set-off vs. excess on top of at-fault limits). Maps state

Challenge bank overdraft and NSF fees under the CFPB 2024 Overdraft Final Rule (very-large-FI rule), CFPB 2022 surprise-overdraft circular, OCC Bulletin 2023-12, Reg E §1005.17 opt-in for ATM/POS overdraft, Reg DD §1030.11 fee-disclosure, UDAAP §1031, and state attorney general c

Choose between Chapter 7 (liquidation), Chapter 13 (3-5 yr repayment), and Chapter 11 Subchapter V for an individual debtor under Title 11. Embeds 11 U.S.C. §707(b) means test (median income + disposable income), §522 federal vs. state exemption election, §727 discharge eligibili

Map the EV / clean-vehicle tax credit pathways under Inflation Reduction Act §30D (consumer purchase, IRC §30D, Form 8936) vs. §45W (commercial / leasing-company credit, IRC §45W, no MSRP cap, no income cap, no North American final-assembly test, no critical-minerals / battery-co

Audit a car-loan prepayment-penalty clause + APR-vs-interest-rate disclosure under Truth in Lending Act (15 U.S.C. §§1601-1667; Reg Z 12 C.F.R. Part 1026), state usury caps, and the "Rule of 78" precomputed-interest method (still permitted in some states despite being prepayment-

Trigger 501(c)(3) hospital charity care obligations under IRC §501(r) — Financial Assistance Policy (FAP) requirement (§501(r)(4)), eligibility-criteria publication, application and 240-day post-discharge filing window, billing/collection limitations during pending application, p

Allocate buyer-side and seller-side closing costs under RESPA Reg X 12 CFR §1024 and TILA-RESPA Integrated Disclosure (TRID) using the Closing Disclosure form (12 CFR §1026.38) and Loan Estimate (§1026.37). Embedded line-item taxonomy, state-by-state custom split map, transfer ta

Build engagement letter / SOW for solo coach / consultant / freelancer. Embedded scope-of-work + payment terms + IP-assignment + termination + indemnification + governing law + dispute resolution + state freelance-act compliance (NY/IL/CA/NJ/MN/NYC) + RCW. Self-contained.

Compute the legal maximum deposit a residential contractor may collect under the homeowner's state law. Embedded 50-state cap map (CA Bus & Prof §7159.5 = 10% or $1,000 whichever is less; NY GBL §771 schedule; MD HIC § 8-617; MA Ch. 142A § 17; etc.). Refuses to bless any deposit

Verify a residential contractor's state license, bond, and insurance status before signing a contract or paying a deposit. Embedded 50-state licensing-board lookup map (CA CSLB, FL DBPR, TX TDLR, NY HIC, etc.), bond/insurance minimum thresholds, and disciplinary-action search pro

Defend a homeowner against a contractor or subcontractor mechanics lien filing. Embedded 50-state defense map (CA Civ §8400+ release procedures; FL §713.21 contestation; TX Property Code §53.157+ summary motion to discharge; NY Lien Law §59 surety bond release). Includes 3-day ri

Manage federal income-tax exposure from cancellation of debt (COD) under IRC §61(a)(11) when a creditor settles, charges off, or forgives a debt and issues Form 1099-C. Embeds IRC §108 exclusions (§108(a)(1)(A) Title 11 BK, §108(a)(1)(B) insolvency, §108(a)(1)(E) qualified princi

Identify dental procedures that are properly medically billed under medical insurance — temporomandibular joint (TMJ) disorder treatment, obstructive sleep apnea (OSA) oral appliance therapy with E0486 HCPCS, oral cancer screening and biopsy, accident-related dental trauma, seque

Disability insurance decision framework — STD vs LTD, own-occupation vs any-occupation definitions, ERISA preemption (29 USC §1144), elimination period vs benefit period tradeoffs, and tax treatment under IRC §104/§105. T2 tier.

Map disability income protection across the SSA 5-step sequential evaluation for SSDI (20 CFR §404.1520), private long-term disability (LTD) own-occupation vs any-occupation definitions, employer group LTD's pre-tax/post-tax taxability rule (IRC §105), and the SSDI-offset clause

Decision framework for collaborative vs. litigated divorce — IACP collaborative model, Uniform Collaborative Law Act (UCLA) disqualification clause, cost/timeline tradeoffs, mediation as middle path. T2 tier.

Map the two parallel DUI tracks — the criminal prosecution (state criminal code; standard = beyond reasonable doubt; remedy = jail / probation / fines / criminal record) and the administrative per-se license suspension (state DMV / motor vehicle agency; standard = preponderance;

Determine whether earnest money deposit (EMD) is recoverable on contract termination. Embedded contingency taxonomy (financing, inspection, appraisal, title, sale-of-prior-home), state-by-state contingency-removal default rules, escrow agent / broker fiduciary duties, interpleade

Determine where AFCI (Arc-Fault Circuit Interrupter) and GFCI (Ground-Fault Circuit Interrupter) protection is required under NEC 2023 §210.8 (GFCI) and §210.12 (AFCI), including retrofit-on-extension rules and 6-foot rule for kitchens / laundry / bathrooms / outdoor / unfinished

Apply the EMTALA-anchored ER access right (42 USC §1395dd) against the cost differential vs urgent care + telehealth + retail clinic. Decision tree maps presenting complaint to acuity tier (red/orange/yellow/green per ESI-style triage proxy), surfaces EMTALA's screening + stabili

Reconcile Etsy / eBay / Mercari / Poshmark / Depop / Reverb 1099-K gross reporting to Schedule C net under IRS Notice 2024-85 phased thresholds. Embedded $5K (2024) / $2,500 (2025) / $600 (2026+) phase + hobby-vs-business §183 + casual-sale-of-personal-items rule. Self-contained.

Order an FBI Identity History Summary check (the "FBI rap sheet"), respond to errors using the FBI challenge process, and engage the FTC + FCRA framework when a third-party background-check vendor reports inaccurate criminal history. Embeds 28 CFR §16.30 et seq. (FBI departmental

File a Fair Credit Reporting Act §1681i dispute with a Credit Reporting Agency (Equifax, Experian, TransUnion) over an inaccurate, incomplete, or unverifiable tradeline. Embeds 30-day investigation window, Method-of-Verification (MOV) escalation, frivolous-dispute defense, reinse

Identify and document Fair Debt Collection Practices Act (15 U.S.C. §1692) violations by a third-party debt collector, draft §1692c(c) cease-communication letter, §1692g(b) verification request, and preserve the §1692k private right of action with $1,000 statutory damages + actua

Compute equivalent freelance 1099 hourly / project rate to match a W-2 offer. Embedded IRS 20-factor common-law + ABC-test + DOL economic-reality + benefits-replacement true-cost (FICA + health + 401(k) + PTO + workers comp + unemployment) + after-tax parity formula. Self-contain

Choose entity structure for freelancer / side hustle — sole proprietor (Schedule C) vs single-member LLC (disregarded) vs LLC + S-corp election (§1361) vs C-corp. Embedded liability shield + pass-through tax + state filing fee + S-corp reasonable-comp test + state-by-state grid.

Collect on a deadbeat freelance / contract client. Embedded UCC §2-207 / common-law breach + state prompt-pay statutes (NY Freelance Isn't Free Act, IL Freelance Worker Protection Act, CA Vendor Protection) + small-claims jurisdictional caps + demand-letter scaffold + collection-

Set up quarterly federal estimated tax payments for self-employed freelancer via EFTPS / IRS Direct Pay / Form 1040-ES voucher. Embedded enrollment lead time + bank routing + payment trace + §6654 underpayment penalty + cure paths. Self-contained.

Map Genetic Information Nondiscrimination Act (GINA, Pub.L. 110-233) Title I (health insurance) and Title II (employment) protections — and the gaps GINA does not cover (life insurance, long-term care insurance, disability insurance, group health plans of <15 employees for Title

Compute quarterly estimated tax for 1099 gig / side-hustle worker under IRC §6654 safe harbor. Embedded Form 1040-ES voucher schedule + 90% / 100% / 110% safe-harbor branches + EFTPS / IRS Direct Pay rails + annualized-income method. Self-contained — no external lookups.

Apply for a state concealed-carry weapon (CCW) permit, navigate the National Instant Criminal Background Check (NICS) system per 18 USC §922 + 27 CFR Part 478, and complete the federal Form 4473 firearm transfer record correctly. Embeds the federal §922(g) prohibited-person frame

Decision framework for choosing between COBRA continuation and ACA Marketplace coverage after a job loss or qualifying event. Maps the 60-day Marketplace Special Enrollment Period (loss of MEC) against COBRA's 60-day election window and 45-day initial premium grace, with full-cos

Compute ACA Marketplace Advance Premium Tax Credit (APTC) eligibility and amount using the 8.5% household-income premium cap (ARPA/IRA extension) and the second-lowest-cost Silver (SLCSP) benchmark. Maps household income (as % of FPL), family size, and benchmark plan to expected

Read a home inspection report through ASHI Standard of Practice and InterNACHI Standards lenses to identify "major defects" that justify renegotiation, repair credit, or termination under the inspection contingency. Embedded major-defect taxonomy, state-by-state inspector licensi

Coverage memo for homeowner exposure to windstorm and flood — the two perils most often misunderstood as "covered" under HO-3 when they aren't. Maps the standard HO-3 wind/hail covered status, hurricane deductible (separate %-based deductible in coastal states), windstorm exclusi

Trigger HIPAA right of access (45 CFR §164.524) to compel the hospital to deliver an itemized bill within 30 days, including CPT/HCPCS/DRG/revenue codes; cross-walk against the EOB and against price-transparency rule disclosures (45 CFR §180); identify duplicate charges, unbundli