Here’s my advice; seek income tax advice someplace besides an internet discussion forum.
Srsly.
Good advice. If we need tax advice, financial advice, legal advice, among others, it is wise to seek out good professional help........
I find FR folks are mostly reasonable and trustworthy. I am keeping my eyes out for “the usual suspects.” If I see any of them, I will probably just silently discount their advice. So far, so good, I think.