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E-Trade sends most consolidated 1099s by February 15 and holds some into March, on an extension Morgan Stanley requests from the IRS so that it corrects fewer of them afterwards. A Morgan Stanley entity issues the form, so the payer block does not say E-Trade.
E-Trade sends one consolidated document. E-Trade bundles the 1099-DIV, 1099-INT, 1099-B and 1099-OID into it.
E-Trade sends retirement account forms separately and earlier. E-Trade issues a 1099-R or 1099-Q by January 31, on its own.
The payer is not E-Trade. E-Trade is a Morgan Stanley business, so copy the payer block from your own form.
A Morgan Stanley entity issues your E-Trade 1099, so copy the payer name and number from your own form, not from a search result.
E-Trade sends most forms by February 15 and holds some into March so that it corrects fewer of them later. Wait for yours before you file.
E-Trade reports cost basis only on shares you bought after the phase-in dates. On older or transferred-in shares you supply it, and a blank basis taxes the whole sale price.
E-Trade trades as E*TRADE from Morgan Stanley, and a Morgan Stanley entity holds your brokerage account. The payer block on your 1099 carries that entity’s legal name and identification number, not the E-Trade brand.
Copy the payer name, address and identification number from your own form. Morgan Stanley filed those exact details with the IRS. A number you copy from a search result can be right for one year and wrong for the next. A wrong payer number is a mismatch on a return you otherwise got right.
The brand on your account is not the payer
Three brokerages, three different names on the form.
Part of the Bank of America group
Now part of Morgan Stanley
Accounts moved to Charles Schwab
E-Trade holds a consolidated 1099 when a fund you hold has not settled its income classification by February. The IRS deadline for a broker is February 15. Morgan Stanley requests a one-month extension so that it can wait for those figures before it prints yours, and E-Trade then corrects fewer forms afterwards.
E-Trade sends a 1099-R or 1099-Q by January 31.
E-Trade sends most consolidated 1099s by February 15, or the next business day where February 15 is a weekend or a holiday. For 2025 forms that date was February 17, 2026.
E-Trade posts a notice on your account with an estimated date, or a notice that it will not issue a form for the year.
E-Trade reissues when a fund you hold reclassifies a distribution after year end, moving what it paid as an ordinary dividend into qualified dividends or return of capital. E-Trade holds forms into March to reduce this, and it still corrects some.
E-Trade does not have to send you a correction for a change of 100 dollars or less on any figure, under an IRS safe harbor for small errors. You can opt out and ask for a corrected form, and E-Trade then has to send it.
Wait. Filing twice costs you twice.
Send us both versions and we tell you whether the change justifies an amended return.
E-Trade reports cost basis to the IRS only for covered shares, meaning shares you acquired after the date Congress phased your security type into the rules:
On your noncovered shares, which you bought before those dates or transferred in from another firm, E-Trade leaves the basis blank or marks it as not reported. E-Trade declines to report a number it cannot stand behind, so you supply the basis yourself from your own purchase records.
E-Trade tracks wash sales inside your E-Trade accounts. E-Trade cannot track the ones you create somewhere else.
You create a wash sale when you sell a security at a loss and buy the same or a substantially identical security within 30 days before or after that sale. E-Trade reports the disallowed amount on your 1099-B for the accounts it holds. The IRS applies the rule across every account you control:
You sell at a loss at E-Trade and buy back at another broker.
You sell at a loss and your spouse buys the same security.
Your dividend reinvestment plan buys shares back for you inside the 30 day window.
You sell at a loss in a taxable account and buy back inside an IRA.
When you buy the replacement shares in a taxable account, you defer the loss. You add it to the basis of those shares and you recover it when you sell them. When you buy the replacement inside an IRA, you do not get it back.
If you transferred shares in from another firm, send us the 1099-B and whatever old statements you still hold before you file.
We prepare the forms E-Trade issues you and every schedule they feed.
We do not manage your investments and we do not pick your holdings.
For what you owe on investment income, see individual tax preparation. For gains on a sale, see capital gains taxation.
We put a CPA or an Enrolled Agent on every return. We do not use seasonal staff.
We quote you a fixed fee before we start work. We do not run an hourly meter.
We answer your email within 24 hours, in filing season and outside it.
Send us the consolidated 1099, plus any corrected version E-Trade has sent you since.
We read the four sections separately, because we apply a different set of rules to your dividends, your interest, your sales and your accrued discount.
We verify the cost basis on every sale, starting with the shares you transferred in.
We reconcile all of your accounts for wash sales, including accounts you hold at other brokers.
We check the form against your own records before we put anything on a schedule.
We file, and we tell you whether to expect a correction before you commit to a date.
Pricing runs per return, not per form. These are the factors that set a quote, and you get the fixed number before the work starts.
“We’re going to as tax professionals be too busy in February or March, we’re going to be filing people’s taxes. So if you want to start planning you want to meet your adviser far ahead of time, especially if you know something big is happening that year.”
“This is our second time getting into Dimov tax, and the team is exceptional. When we have questions about the tax form, they provide quick explanations that help us understand the complex numbers.”
Our team includes CPAs and Enrolled Agents who work on individual returns, business taxes and tax planning. Tell us what you need help with when you get in touch.
You can file from the original consolidated form. If E-Trade then corrects your dividend figures or your cost basis, you pay for an amended return in March on top of the original one.
We explain general rules and we are not advising you on your own situation. Your answer depends on facts we cannot see until we look at your records, so speak to a CPA before you file.
