--- title: "RSU Sales and 1099-B Errors: How to Avoid Double Taxation with Form 8949" description: If you’ve sold RSU shares, don’t trust your 1099-B. Learn how to avoid double taxation by correcting cost basis errors using IRS Form 8949. 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[Home](https://vipwealthadvisors.com/) 2. [insights](https://vipwealthadvisors.com/insights) 3. rsu tax reporting 1099b form 8949 July 14, 2025 [Mark Stancato, CFP®, EA, ECA, CRPS®](https://vipwealthadvisors.com/insights/author/mark-stancato-cfp) # Don't Trust Your 1099-B: How to Report RSU Sales Correctly on Your Tax Return ![Digital illustration of IRS Forms 1099-B and 8949, stock charts, and a tax planning checklist for RSU sales.](https://vipwealthadvisors.com/hubfs/rsus-1099-B-Form-8949.jpg) Share this post: - - - ##### Share - - -   Understand IRS Forms 1099-B and 8949 Before You File When your RSUs vest and turn into stock, it feels like free money. Until tax time. If you're not careful, you could end up paying tax twice on that same income, once when the RSUs vest and again when you sell the shares. The culprit? Bad basis reporting on Form 1099-B. Most brokerage firms report the wrong cost basis for RSU shares. And the IRS expects you to catch it. In this article, we’ll break down how RSUs are taxed, where 1099-B goes wrong, and how to correct it on your return using Form 8949, so you don’t overpay or get flagged for an audit. ### What Are RSUs and How Are They Taxed? Restricted Stock Units (RSUs) are a common form of equity compensation, particularly in the technology and high-growth sectors. When RSUs vest, they convert into actual shares of stock. At that moment: - The value of the shares is treated as ordinary income, taxed through payroll. - Your employer withholds federal, state, Social Security, and Medicare taxes, just like with cash compensation. - Your W-2 reflects the income from vested RSUs in Box 1 (and often Box 14). You now own the shares, and your tax basis should be equal to the fair market value (FMV) at the time of vesting. So far, so good. But what happens when you sell? ### The Problem with 1099-B: RSU Cost Basis Is Often Underreported When you eventually sell your RSU shares, your broker will send you a Form 1099-B. This form informs the IRS (and you) of the sale price of the shares, your cost basis, and the resulting gain or loss. But here’s the kicker: brokers often report your cost basis as $0 or some other incorrect number. Why? Because brokers are only required to track the basis for certain types of securities. And for RSUs, unless they’ve integrated with your company’s payroll system (which most don’t), they have no way of knowing the FMV at vesting. So they leave it blank or report $0. And that’s a big deal! Let’s look at an example. #### Example 1: RSU Sale with Incorrect Basis - 1,000 RSUs vested on March 1, 2024 - FMV on vesting date: $100/share → $100,000 of W-2 income - You sell all 1,000 shares on June 15, 2024, for $105/share → $105,000 gross proceeds What your 1099-B might show: - Proceeds: $105,000 - Cost basis: $0 - Gain: $105,000 Reality: - You already paid income tax on $100,000 when the RSUs vested - Your actual gain is only $5,000 (a short-term capital gain) If you blindly copy the 1099-B info into your tax return, you’ll overstate your capital gain by $100,000 and pay tax on income you’ve already paid tax on. ### How to Fix This: Use Form 8949 to Report the Correct Basis The IRS doesn’t mind if your 1099-B is wrong, as long as you fix it. That’s where Form 8949 comes in. You’ll need to: - Report the sale using the 1099-B info, including the incorrect cost basis. - Adjust the basis by entering the correct number and a code to explain the change. Let’s build on our earlier example. #### Example 2: Correcting RSU Basis on Form 8949 What you got from the broker (Form 1099-B): | Description | Proceeds | Cost Basis | Gain | | --- | --- | --- | --- | | 1,000 ABC shares | $105,000 | $0 | $105,000 | What you actually report on Form 8949: | Description | Proceeds | Cost Basis | Adjustment (column g) | Gain | | --- | --- | --- | --- | --- | | 1,000 ABC shares | $105,000 | $100,000 | Code B: +$100,000 | $5,000 | Use Code B (basis adjustment) to flag the correction. This indicates to the IRS that the broker didn’t report the correct basis, and you’re correcting it. This ensures compliance and prevents double taxation. ### Why This Matters: Audit Risk and Tax Overpayment Incorrect RSU cost basis reporting is one of the most common triggers for IRS tax notices. When your 1099-B says you made $105,000 in capital gains but you only report $5,000, the IRS’s computers might see a mismatch—unless you correctly use Form 8949 to bridge the gap. If you don’t fix it: - You risk a CP2000 notice from the IRS demanding payment for the “missing” tax - Or worse, you might voluntarily overpay thousands in unnecessary tax In both cases, you lose. ### How to Find Your True RSU Basis To correctly calculate the cost basis for RSUs, you’ll need: - The **vesting date** of each RSU lot - The **number of shares vested** - The **fair market value at vesting** - Any shares **withheld for taxes** (these are usually not included in your brokerage account) Most employers provide this in your equity portal (e.g., Fidelity NetBenefits, Morgan Stanley, E\*TRADE), or in your pay stub or W-2 supplemental documents. Tip: If shares were sold on your behalf to cover taxes, those don't affect your cost basis, but they should be reported on your W-2 and visible on your equity portal. ### Planning Tip: Use Specific Lot Identification to Your Advantage If you’ve received RSUs over multiple years and sell only part of your shares, you may be able to choose which lots to sell. This is known as specific lot identification, and it can help minimize tax liability. For example: - Lot A: 1,000 shares vested at $80/share - Lot B: 1,000 shares vested at $120/share - Current market price: $100/share Selling Lot B would generate a capital loss. Selling Lot A would generate a capital gain. Choose wisely—and notify your broker in writing at the time of sale if you want to specify the lot. ### Don’t Assume Your Tax Preparer Caught This Even good CPAs and preparers miss RSU basis adjustments. They’re often just entering the numbers from the 1099-B unless you provide them with specific information. At VIP Wealth Advisors, we frequently encounter this mistake when reviewing new client returns, particularly among TurboTax users and even those from Big Four CPA firms. You have to provide the correct basis data. Otherwise, the IRS assumes what’s on the 1099-B is gospel. ### Bonus: How This Works with RSUs From Pre-IPO or Acquired Companies RSUs from companies that later go public or get acquired can have extra quirks: - Vesting acceleration at IPO or acquisition - Different tax withholding timing - Special merger stock or cash deals Each scenario has its own set of tax rules and risks. If your shares were swapped, sold in a tender offer, or partially paid in cash, your basis and holding period may become complicated. Get help from a tax-savvy advisor to untangle it. ### Key Takeaways - **RSU vesting triggers ordinary income,** which becomes your cost basis. - **Brokers often report $0 basis** on Form 1099-B for RSU shares. - If you don’t correct it on **Form 8949,** you’ll pay tax again on money you already paid tax on. - Always check your equity portal and W-2 to get the real FMV at vesting. - Don’t rely on TurboTax or your CPA to catch it—**you must supply the correct info.** ### Final Thoughts: Don’t Let the IRS Profit From Your Mistake Stock compensation can be a powerful wealth-building tool, but it comes with tax traps. Get the cost basis wrong, and you’re either overpaying Uncle Sam or asking for a letter from the IRS. Neither is a good outcome. At VIP Wealth Advisors, we specialize in helping high-income professionals with equity comp navigate these complexities and keep more of what they earn. If you’ve sold RSU shares in the past year, pull your 1099-B now and double-check the cost basis. A 10-minute review could save you thousands of dollars. ### 💼 Need Help Fixing RSU Tax Reporting Errors? If you've sold RSUs and are unsure how to correct cost basis errors—or just want to avoid overpaying the IRS—we can help. At **VIP Wealth Advisors**, we specialize in equity compensation planning for high-income professionals. From tax return reviews to AMT projections and IPO planning, we ensure your RSUs are working for you—not against you. 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[↑](https://vipwealthadvisors.com/insights/rsu-tax-reporting-1099b-form-8949#top) [![Financial Planning Association](https://vipwealthadvisors.com/hs-fs/hubfs/FPA-logo.png?width=189&height=100&name=FPA-logo.png "Financial Planning Association")](https://vipwealthadvisors.com/professional-affiliations) [![XY Planning Network](https://vipwealthadvisors.com/hs-fs/hubfs/XY_Planning_Network.png?width=189&height=100&name=XY_Planning_Network.png "XY Planning Network")](https://vipwealthadvisors.com/professional-affiliations) [![NAPFA National Association of Personal Financial Advisors](https://vipwealthadvisors.com/hs-fs/hubfs/NAPFA.png?width=189&height=100&name=NAPFA.png "NAPFA National Association of Personal Financial Advisors")](https://vipwealthadvisors.com/professional-affiliations) [![Fee Only Network Member](https://vipwealthadvisors.com/hs-fs/hubfs/Fee-Only-Network-3.png?width=189&height=100&name=Fee-Only-Network-3.png "Fee Only Network Member")](https://vipwealthadvisors.com/professional-affiliations) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Mark Stancato, CFP®, EA, ECA, CRPS®", "sameAs" : [ "https://www.tiktok.com/@marktheprivatecfo", "https://www.youtube.com/@MarkThePrivateCFO", "https://www.instagram.com/marktheprivatecfo/", "https://www.linkedin.com/in/markstancato/", "https://www.facebook.com/marktheprivatecfo/" ], "url" : "https://vipwealthadvisors.com" }, "dateModified" : "2025-07-13T08:00:00-05:00", "datePublished" : "2025-07-13T08:00:00-05:00", "headline" : "If you’ve sold RSU shares, don’t trust your 1099-B. 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That means the IRS may think you made way more than you did—setting you up for double taxation or an audit notice (hello, CP2000). In this video, Mark Stancato, CFP® Pro and IRS Enrolled Agent, walks you through: Why your 1099-B is probably wrong, The exact IRS form you need to fix it (Form 8949 with a Code B adjustment), How to protect yourself from overpaying or getting flagged by the IRS.", "embedUrl" : "https://www.youtube.com/embed/RYi6LIHN0YY", "name" : "Sold RSUs? Your 1099-B Might Be Wrong—Avoid Double Taxation Now", "thumbnailUrl" : "https://img.youtube.com/vi/RYi6LIHN0YY/maxresdefault.jpg", "uploadDate" : "2025-07-14T08:00:00-05:00" } } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Most brokers don’t know the fair market value of your RSUs at vesting, so they often report a $0 or incorrect basis. This can cause you to overpay taxes unless you correct it on Form 8949." }, "name" : "Why is the cost basis on my 1099-B for RSUs incorrect?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Use IRS Form 8949 to report the corrected cost basis. Include a code (typically Code B) to explain the adjustment and avoid double taxation." }, "name" : "How do I correct RSU cost basis errors on my tax return?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "You’ll need the RSU vesting date, number of shares, fair market value at vesting, and any shares withheld for taxes. This info is often available in your equity portal or W-2." }, "name" : "What information do I need to fix RSU reporting errors?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Usually not. Many tax preparers just enter the 1099-B as-is. You must provide the correct cost basis details to ensure accurate reporting." }, "name" : "Can TurboTax or my CPA catch these mistakes automatically?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, but the rules can be more complex. IPOs, acquisitions, and tender offers can change your cost basis or holding period. Consult a tax-savvy advisor if you’ve been through one of these events." }, "name" : "Does this apply to RSUs from private or pre-IPO companies?" } ] } ```