What documents to send

Upload your documents through the client portal; email is not for documents. Everyone sends prior-year returns and identity details, then the forms that report income (W-2, 1099s, brokerage and crypto statements), the forms behind deductions and credits (1095-A, 1098, 1098-T), business records if you own a business, and an IP PIN if you have one. Send what you have and KFM tells you what is missing.

Last reviewed September 23, 2026 · Tax year 2026 · Federal

Documents go to KFM only through the upload in the client portal, never by email; how to upload is in Using the client portal.

Everyone

Prior-year tax returns, if you have them.
Identity details for you, and for your spouse and dependents if you have them.
Letters from the IRS or a state agency that arrived during the year.

Income

Form W-2 from each employer.
Forms 1099 for interest, dividends, unemployment compensation and gig work, and Form 1099-NEC for contractor pay.
Form 1099-R for distributions from pensions, annuities, retirement plans and IRAs.
Brokerage statements. Form 1099-B reports stocks, bonds and other debt instruments, options, commodities and similar investments a broker sold for you.
Crypto. Form 1099-DA reports digital asset sales made through a broker. Brokers report gross proceeds for sales on or after January 1, 2025, and the cost basis only for certain sales on or after January 1, 2026. Keep your own records of what you paid. The form shows basis only in some cases, you work out your basis before you file, and you report the transactions whether or not a form arrives.
Other income, such as Form W-2G for gambling winnings, and records of any rent you collected.

Deductions and credits

Form 1095-A, if you had health insurance through the Marketplace. It is used to take the premium tax credit and to reconcile any advance payments of it on your return.
Form 1098 from your mortgage lender, which reports mortgage interest of $600 or more, and certain points paid to buy your main home, and your property tax bills for any real estate you own.
Form 1098-T from a college, which shows the tuition payments it received, and Form 1098-E if a lender received $600 or more of student loan interest from you.
Retirement contributions. Form 5498 reports IRA contributions, but the contribution figures can arrive as late as the end of May, so a year-end account statement helps.
Federal estimated tax paid, with the date and amount of each payment. See How to confirm the IRS received your payment.

If you own a business

Income and expenses: invoices, receipts, bank and card statements, and 1099s the business received.
Assets you bought, such as equipment or a vehicle, with when and how you acquired each one and what you paid.
Payroll and employee information. The IRS asks employers to keep employment records for at least four years.

Other things we ask

Your IP PIN, if you have one. A new six-digit number is issued each year, and a missing or wrong one gets an e-filed return rejected.
Bank details for a refund: the routing number, the account number, and whether it is checking or savings. A refund should go only into a U.S. account in your name, your spouse's name, or both.
Foreign accounts and entities. Whether you own any foreign entity, and whether your foreign financial accounts together passed $10,000 at any time in the year. A U.S. person over that line files an FBAR with FinCEN, separately from the tax return.

Send what you have

Send what you have, and KFM tells you what is missing. What you upload stays in the portal, where the To-dos page lists what is still outstanding. Keep your own copies too; the general rule is to keep the records behind a return until its period of limitations runs out, usually 3 years.

What each W-2 and 1099 reports, and who sends it, is in What are W-2 and 1099 forms?

Sources

This article is general educational information, not tax, legal, or accounting advice, and does not create a client relationship. Tax law changes and depends on your specific facts. Information is current as of September 23, 2026 for tax year 2026; verify before acting. Consult a qualified CPA, EA, or attorney about your situation.

Still need help? Ask in the client portal or email support@kfmus.com.