@paro.io/expert-shared-components 1.14.74 → 1.14.76

package/lib/tax-axis/lib/compute/index.js

@@ -48,8 +48,6 @@ function filterEligibleStrategies(profile) {
             return false;
         if (s.needsOwnerComp && ownerComp <= 0)
             return false;
-        if (s.rank === 8 && (profile.ownsRealEstate || "No") === "No")
-            return false;
         return true;
     });
 }
@@ -64,8 +62,8 @@ function computeAllStrategies(profile) {
     const age = parseInt(profile.age || "45") || 45;
     const hsaExisting = (0, exports.parseNum)(profile.hsaContributions);
     const retirementExisting = (0, exports.parseNum)(profile.retirementContributions);
-    const fedRate = profile.entity === "C-Corporation" ? 0.21 : parseFloat((profile.federalRate || "24").replace("%", "")) / 100 || 0.24;
-    const stateRate = parseFloat(profile.stateRate || "4.95") / 100;
+    const fedRate = parseFloat((profile.federalRate || "24").replace("%", "")) / 100 || 0.24;
+    const stateRate = parseFloat(profile.stateRate || "0") / 100;
     const combinedRate = fedRate + stateRate;
     const seTaxRate = 0.153;
     const sstb = profile.sstb || "No";
@@ -135,17 +133,25 @@ function computeAllStrategies(profile) {
         const hsaLimit = 8550;
         const hsaAdditional = Math.max(hsaLimit - hsaExisting, 0);
         const hsaSavings = Math.round(hsaAdditional * (combinedRate + 0.0765));
-        results.set(9, { lo: Math.max(Math.round(hsaSavings * 0.80), 0), hi: Math.max(Math.round(hsaSavings * 1.15), 0),
+        results.set(9, { lo: Math.max(Math.round(hsaSavings * 0.90), 0), hi: Math.max(Math.round(hsaSavings * 1.05), 0),
             sources: [{ doc: "Intake", line: "HSA", value: `$${hsaExisting.toLocaleString()}`, field: "YTD Contributions" }, { doc: "IRS 2026", line: "Rev. Proc.", value: "$8,550", field: "Family Limit" }],
             trace: [{ n: 1, step: "2026 family limit", formula: "Rev. Proc. 2025-32", result: "$8,550", src: "IRS" }, { n: 2, step: "Already contributed", formula: "W-2 Box 12 Code W", result: `$${hsaExisting.toLocaleString()}`, src: "Intake" }, { n: 3, step: "Remaining room", formula: `8,550 \u2212 ${hsaExisting.toLocaleString()}`, result: `$${hsaAdditional.toLocaleString()}`, src: "Computed" }, { n: 4, step: "Tax savings", formula: `${hsaAdditional.toLocaleString()} \u00D7 ${((combinedRate + 0.0765) * 100).toFixed(1)}%`, result: `$${hsaSavings.toLocaleString()}`, src: "Triple tax" }] });
     }
     /* #15 SALT/PTE Optimization */
     {
-        const statesTaxPaid = Math.round(net * stateRate);
+        // When primary state rate is 0 (e.g. TX), use highest nexus state rate
+        let pteStateRate = stateRate;
+        if (pteStateRate === 0 && (profile.states || []).length > 1) {
+            const STATE_TOP_RATES = { CA: 13.30, NY: 10.90, NJ: 10.75, HI: 11.00, OR: 9.90, MN: 9.85, DC: 10.75, VT: 8.75, WI: 7.65, ME: 7.15, CT: 6.99, NE: 6.64, DE: 6.60, MT: 6.75, SC: 6.50, RI: 5.99, ID: 5.80, NM: 5.90, VA: 5.75, MD: 5.75, KS: 5.70, GA: 5.39, WV: 5.12, MA: 5.00, MS: 5.00, AL: 5.00, MO: 4.95, IL: 4.95, UT: 4.65, OK: 4.75, NC: 4.50, CO: 4.40, AR: 4.40, MI: 4.25, LA: 4.25, KY: 4.00, OH: 3.75, IN: 3.05, PA: 3.07, AZ: 2.50, ND: 1.95 };
+            const nexusRates = (profile.states || []).map(s => { var _a; return ((_a = STATE_TOP_RATES[s]) !== null && _a !== void 0 ? _a : 0) / 100; }).filter(r => r > 0);
+            if (nexusRates.length > 0)
+                pteStateRate = Math.max(...nexusRates);
+        }
+        const statesTaxPaid = Math.round(net * pteStateRate);
         const pteSavings = Math.round(statesTaxPaid * 0.70);
         results.set(15, { lo: Math.max(Math.round(pteSavings * 0.80), 0), hi: Math.max(Math.round(pteSavings * 1.10), 0),
-            sources: [{ doc: "Intake", line: "Net Income", value: `$${net.toLocaleString()}`, field: "Pass-through Income" }, { doc: "Intake", line: "State Rate", value: `${(stateRate * 100).toFixed(2)}%`, field: "Marginal State Rate" }, { doc: "OBBBA \u00A770109", line: "SALT Cap", value: "$40,400", field: "2026 Cap" }],
-            trace: [{ n: 1, step: "Entity-level state tax", formula: `${net.toLocaleString()} \u00D7 ${(stateRate * 100).toFixed(2)}%`, result: `$${statesTaxPaid.toLocaleString()}`, src: "Intake" }, { n: 2, step: "PTE deduction value", formula: "Entity-level deduction bypasses SALT cap", result: `$${statesTaxPaid.toLocaleString()}`, src: "Notice 2020-75" }, { n: 3, step: "Net savings (credit offset)", formula: `${statesTaxPaid.toLocaleString()} \u00D7 70% recovery`, result: `$${pteSavings.toLocaleString()}`, src: "State credit" }] });
+            sources: [{ doc: "Intake", line: "Net Income", value: `$${net.toLocaleString()}`, field: "Pass-through Income" }, { doc: "Intake", line: "State Rate", value: `${(pteStateRate * 100).toFixed(2)}%`, field: "Marginal State Rate" }, { doc: "OBBBA \u00A770109", line: "SALT Cap", value: "$40,400", field: "2026 Cap" }],
+            trace: [{ n: 1, step: "Entity-level state tax", formula: `${net.toLocaleString()} \u00D7 ${(pteStateRate * 100).toFixed(2)}%`, result: `$${statesTaxPaid.toLocaleString()}`, src: "Intake" }, { n: 2, step: "PTE deduction value", formula: "Entity-level deduction bypasses SALT cap", result: `$${statesTaxPaid.toLocaleString()}`, src: "Notice 2020-75" }, { n: 3, step: "Net savings (credit offset)", formula: `${statesTaxPaid.toLocaleString()} \u00D7 70% recovery`, result: `$${pteSavings.toLocaleString()}`, src: "State credit" }] });
     }
     /* #22 Overtime Pay Deduction (OBBBA) */
     if (overtime > 0) {
@@ -167,11 +173,5 @@ function computeAllStrategies(profile) {
             results.set(rank, Object.assign(Object.assign({}, v), { lo: Math.round(v.hi / 3.0) }));
         }
     }
-    // Safety net: ensure lo and hi don't round to same K (prevents "$XK–$XK" display)
-    for (const [rank, v] of results) {
-        if (v.hi > 0 && v.lo > 0 && Math.round(v.lo / 1000) >= Math.round(v.hi / 1000)) {
-            results.set(rank, Object.assign(Object.assign({}, v), { lo: Math.round(v.hi * 0.85) }));
-        }
-    }
     return results;
 }

package/lib/tax-axis/lib/documentFieldCatalog.d.ts

@@ -1,18 +1,13 @@
-export interface CatalogFieldDef {
-    label?: string;
+export interface FieldDef {
+    label: string;
     sourceRef?: string;
 }
 export interface CatalogSection {
     head: string;
     fields: string[];
 }
-export interface CatalogEntry {
+export interface DocumentCatalogEntry {
     sections: CatalogSection[];
-    fields: Record<string, CatalogFieldDef>;
+    fields: Record<string, FieldDef>;
 }
-/**
- * Keyed by documentType string returned by the backend in parsedData.documentType.
- * When DocumentReviewModal receives parsedData, it looks up the documentType here
- * to get section groupings and field labels. Falls back to flat rendering if no entry.
- */
-export declare const DOCUMENT_FIELD_CATALOG: Record<string, CatalogEntry>;
+export declare const DOCUMENT_FIELD_CATALOG: Record<string, DocumentCatalogEntry>;