Do I need to have W-2 or 1099 income to qualify?

No, the 12-411 process is not limited to W-2 or 1099 earners — it applies to any form of income, whether earned or unearned, realized or unrealized. The process lawfully avoids triggering taxable events on a wide range of income types, including:

• W-2 wages

• 1099 income

• Rental income

• Capital gains

• Pension income

• Social Security

• Lottery winnings

• Crypto income

• Grant income

• K-1 distributions

• Shareholder distributions

• Gambling winnings

• Promissory notes

• Sales income

…and virtually any other income stream denominated in U.S. dollars.

That said, the refund outcome will depend on whether taxes were prepaid. Refund Eligibility:

• If you’re a W-2 employee or 1099 contractor with taxes withheld, you are likely to receive a full federal refund.

• If you’re a 1099 contractor without tax withholding or a self-employed business owner, you won’t receive a refund — but you also won’t owe a tax payment when filing. Instead of cutting a check to the IRS for $10,000 or more, you’ll file and owe nothing.

• If you earn income without prepayment of taxes, the benefit is still significant — not in receiving money back, but in keeping more of what you earn by avoiding any federal liability.

Summary:

You don’t need to have W-2 or 1099 income to qualify. The 12-411 process is designed to eliminate tax liability across all income types. Whether it results in a refund or simply prevents you from owing, you still win.