Investment Brokerage Clients
Will you get a tax form?
You should expect a tax form if:
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You took a distribution from a retirement account in 2025 (IRA, Roth IRA, 401(k), inherited IRA, or similar). You will receive a 1099-R.
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You held a taxable brokerage account that earned more than $10 in interest, dividends, or realized capital gains during 2025. You will receive a 1099 Composite.
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You contributed to an IRA or Roth IRA in 2025 or for the 2025 tax year. You will receive a Form 5498 from Schwab in May.
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You sold securities at a gain or loss in a taxable account during 2025. The 1099 Composite will include the realized gain or loss detail.
You should not expect a tax form if:
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You held a retirement account (IRA, Roth IRA, 401(k)) and took no distributions during 2025. No taxable event means no 1099-R.
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Your taxable account fell under the IRS de minimis rule, generally meaning less than $10 in total interest or dividends for the year. Schwab is not required to issue a 1099 in that case.
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You opened a new account but did not fund it or generate any reportable activity in 2025.
When will tax forms be available?
Schwab uses a phased approach to produce and send tax forms to clients. Your forms will be available online and mailed on one of the dates below, depending on which production run your account falls into.
2025 Tax forms (1099 Composites) will be available online and mailed on:
Schwab 1st Production Run: January 31st
Schwab 2nd Production Run: February 14th (This applies to most people)
Schwab 3rd Production Run: February 28th
You can download 2025 tax documents once logged into your online portal:
Schwab: Schwab Alliance client portal
Schwab's online portal support phone number is 800-515-2157.
Marketplace Healthcare Clients
If T. Mann Financial helped you enroll in a Marketplace health insurance plan during 2025, the IRS requires you to receive Form 1095-A. You will use this form when filing your federal taxes to reconcile any premium tax credit you received during the year. The information below explains where to find it and what to do with it.
What is Form 1095-A?
Form 1095-A, sometimes called the Health Insurance Marketplace Statement, is the tax document issued to anyone who had health coverage through the Marketplace during the year. It shows:
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The months you and your household members were covered by a Marketplace plan.
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The monthly premium amount for your plan.
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The amount of any advance premium tax credit (APTC) the Marketplace paid to your insurer on your behalf.
You will need this form to complete IRS Form 8962, which reconciles the premium tax credit on your federal return. Without the 1095-A, your tax preparer cannot finalize your return.
When will your 1095-A be available?
The Marketplace is required to make Form 1095-A available by January 31, 2026, for the 2025 coverage year. Most clients will see it in their HealthSherpa account in late January.
You may also receive a paper copy in the mail. Whether or not you receive a paper copy, the digital version in your HealthSherpa account is the official document and is accepted by tax preparers and the IRS.
How to find your 1095-A
Follow these steps to download your form:
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Log in to your account at healthsherpa.com.
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Navigate to the documents or tax forms section of your account dashboard.
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Locate the 1095-A for the 2025 coverage year.
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Download or print a copy for your records and your tax preparer.
If you cannot log in to HealthSherpa or you do not see the form by mid-February 2026, call us at 541-583-0093 and we can help you track it down.