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Home Court filings USA v. Alexandra Acosta United States v. Alexandra Acosta — S.D. Fla., No. 0:23-cr-60170-RNS Transcript of jury trial excerpt testimony Victoria Hernandez — USA v. Alexandra Acosta (Dkt. 110, S.D. Fla.)

Court filing

Transcript of jury trial excerpt testimony Victoria Hernandez — USA v. Alexandra Acosta (Dkt. 110, S.D. Fla.)

Filed August 9, 2024 in USA v. Alexandra Acosta; one of 136 filings from this case.

Record facts

CourtU.S. District Court for the Southern District of Florida
Filed2024-08-09

U.S. District Court for the Southern District of Florida · No. 0:23-cr-60170-RNS · Doc. 110 · 2024-08-09 · Docket on CourtListener

Full text

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UNITED STATES DISTRICT COURT
SOUTHERN DISTRICT OF FLORIDA
MIAMI DIVISION
CASE NO. 0:23-cr-60170-RNS-1
UNITED STATES OF AMERICA,              Miami, Florida
      Plaintiff,                       June 4, 2024
vs.                          
ALEXANDRA ACOSTA, 
      Defendant.                       Pages 1 to 73
______________________________________________________________
EXCERPT FROM JURY TRIAL
(TESTIMONY OF VICTORIA HERNANDEZ) 
BEFORE THE HONORABLE RONALD N. SCOLA
UNITED STATES DISTRICT JUDGE
APPEARANCES:
FOR THE PLAINTIFF:       TREVOR CHRISTOPHER JONES, ESQ.
                         DOJ-USAO
                         500 East Broward Boulevard
Suite 7th Floor
Ft. Lauderdale, FL  33394
Trevor.jones@usdoj.gov
ADAM LOVE, ESQ.
US Attorney's Office
Miami, FL  33130
Adam.love@usdoj.gov
FOR THE DEFENDANT:       BRIAN YAACOV SILBER, ESQ.
                         Law Offices of Brian Silber, P.A.
916 South Andrews Avenue
Fort Lauderdale, FL  33316
Silberlaw@gmail.com
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 1 of 83

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STENOGRAPHICALLY REPORTED BY:            
                         SHARON VELAZCO, RPR, FPR
                         Official Court Reporter
                         United States District Court
                         400 North Miami Avenue
                         Miami, Florida 33128
Sharon_pellvelazco@flsd.uscourts.gov
                         (305) 523-5636
  I N D E X
WITNESS 
     Direct  Cross   Red.
Victoria Hernandez
By Mr. Jones
3
63, 72
By Mr. Silber
    48, 69 
_     _     _
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(The following is an excerpt from the jury trial proceedings:) 
*     *     *     *     * 
MR. JONES:  The Government calls Victoria Hernandez.  
Thereupon:
                      VICTORIA HERNANDEZ
was called as a witness and, having been duly sworn, was 
examined and testified as follows:                    . 
THE WITNESS:  I do. 
THE COURT:  Please have a seat, make yourself 
comfortable.  When you are ready, state your name and spell 
your last name. 
THE WITNESS:  My name is Victoria Hernandez, 
H-E-R-N-A-N-D-E-Z. 
THE COURT:  Thank you. 
DIRECT EXAMINATION 
BY MR. JONES: 
Q.
Good morning.  
A.
Good morning.  
Q.
Miss Hernandez, where do you work? 
A.
I work for the Internal Revenue Service. 
Q.
And how long have you worked there? 
A.
I have worked there for 16 years. 
Q.
And what is your current title? 
A.
I am a court witness coordinator. 
Q.
Can you describe to the jury what your duties and 
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responsibilities are as a court witness coordinator? 
A.
As a court witness coordinator, I represent the 
Commissioner in his role as a custodian of records. 
Q.
So, in layman's terms, are you responsible for all the 
documents kept in IRS's ordinary course of business? 
A.
Yes, I am. 
Q.
Are you familiar with income tax returns? 
A.
Yes, I am. 
Q.
Can you briefly just describe that, what they are to the 
jury? 
A.
Tax returns like form 1040s, business tax returns, 
correspondence that's received, correspondence that is sent 
out, things like that.  
Q.
Are you also familiar with an IRS audit? 
A.
Yes.  Yes, I am. 
Q.
And what is it, in general? 
A.
An audit is when our examination department will do an 
additional review of an individual or a business account, or 
their financial information, to review to see if the 
information that they provide us is accurate, to tax law. 
Q.
And, in your role as a witness coordinator, do you handle 
tax returns at all? 
A.
As a court witness coordinator, I certify documents that 
are -- that they are true and valid to what they are on the IRS 
systems and what are kept in our records. 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 4 of 83

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Q.
But, you don't review them for technical accuracy? 
A.
No, I do not. 
Q.
Do you conduct any audits, yourself? 
A.
No, I do not. 
Q.
In preparation for today's testimony, did you review IRS 
records related to Alexandra Acosta for the tax years 2018 
through 2020? 
A.
Yes, I did. 
Q.
And, did those records include tax returns for 2018, 2019, 
and 2020? 
A.
Yes. 
Q.
And, did those records also include an audit file related 
to 2018 and 2019 tax years? 
A.
Yes. 
Q.
Now, before I turn to any records here, can you describe or 
explain what a Form 1040 is? 
A.
A Form 1040 is a U.S. individual tax return.  It is what 
tax payers use to file their tax returns for the year, for all 
monies that they received for the years, and for that year, in 
specific, and to file their taxes for that year. 
Q.
Are you also familiar with a Schedule C? 
A.
Yes. 
Q.
What is that? 
A.
That is a form that is used to file profit and losses of a 
business. 
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Q.
Can those businesses -- is that for an incorporated 
business? 
A.
No.  Those are for sole proprietors, a single person that 
owns a business. 
Q.
And are you familiar with what a Form 1099 is? 
A.
Yes.  That is a wage statement that is sent by -- it could 
be by contractors, or another person that is providing a 
service will issue a -- this to an individual that has worked 
for that person, a contractor to another person. 
MR. JONES:  At this time, the Government is going to 
move to introduce Government's Exhibits 200 through 202.
And, I believe there is an objection.  
MR. SILBER:  Your Honor, we renew our previously made 
objection on all grounds, including authenticity. 
THE COURT:  All right.  I will overrule those 
objections, and those exhibits will be admitted. 
(Government's No. 200 was received in Evidence.)  
(Government's No. 201 was received in Evidence.)  
(Government's No. 202 was received in Evidence.)   
BY MR. JONES:
Q.
Ms. Hernandez, I am going to -- 
Your Honor, I apologize -- 
Ms. Hernandez, I have shown you right now what has been 
admitted as Government's Exhibit 201.  
Do you recognize this document?  
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A.
Yes, I do. 
Q.
What is this document?  
A.
This is an electronic file, Form 1040 U.S. individual 
income tax return for tax year 2019. 
Q.
And who is this for?
A.
Alexandra Acosta. 
Q.
Okay.  We are going to not going to spend a ton of time on 
this, but we are just going to briefly describe some of the 
numbers that we are seeing here.  In this section that I am 
highlighting now, can you just explain what Box 1 is? 
A.
Box 1 is for wages, salaries, and tips.  And, it is 
reported $103,819. 
Q.
And how about Box 7A? 
A.
Box 7A is for other income from Schedule 1, and it is 
reported negative $9,619. 
Q.
So, what does that mean when it is reported negative? 
A.
It is a loss.  
Q.
And, I am going to bring you now to line 9.  
What is this number? 
A.
This is the standard deduction, or itemized deduction.  
And, it is the amount of $26,651. 
Q.
And, moving down more to this bottom number, 11B, can you 
tell us what that is? 
A.
That is the taxable income, and the amount is $67,549. 
Q.
We are still on Exhibit 201.  I just got sidetracked there.  
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But, we are going to move down to the second page of 
Exhibit 201.  I am going to highlight a section here.  
So, I am pulling out a section labeled "refund."  Can you 
describe what we are looking at? 
A.
This is the part of the form that is the refund or 
overpayment amount requested.  
Q.
And, in this instance? 
A.
It is $7,666. 
Q.
What does that represent? 
A.
It was requested to be direct deposited in the checking 
account provided. 
Q.
Okay.  Now, there is a section down here entitled "Third 
Party Designee."  
Can you explain what that is? 
A.
A third party designee is when a taxpayer will give the 
third party who is the preparer permission to speak to the IRS 
if there are any discussions needed on the tax return. 
Q.
And, let's kind of briefly unpack what a tax preparer can 
be.  How does someone become a preparer? 
A.
They could apply for a preparer tax identification number, 
either through mail or online, with the IRS, and they could 
become a preparer. 
Q.
Now, that sounds simple.  Do they need any formal 
education? 
A.
No, they do not. 
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Q.
Do they need any degrees? 
A.
No, they do not. 
Q.
How about a high school diploma? 
A.
No. 
Q.
So, how about an age requirement?  Don't they have to be 18 
at least? 
A.
No. 
Q.
They don't have to be certified public accountants? 
A.
No.  
Q.
Do they have to be accountants at all? 
A.
No. 
Q.
Are these just people that choose to write numbers on paper 
for other people? 
A.
Anybody could be a return preparer.  In order to be 
compensated, you can apply for the PTIN. 
Q.
And that is a unique number assigned to each person? 
A.
Yes. 
Q.
And, in this instance, who is the designee's name here with 
the PIN? 
A.
For this one, it is Victory Tax, Inc. 
Q.
And, I am going to move you down to the section just below 
it.  There is a statement here, next to "sign here."  
What does that say? 
A.
"Under penalties of perjury, I declare that I have examined 
this return and accompanying schedules and statements, and to 
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the best of my knowledge and belief, they are true, and 
correct, and complete."  
Q.
And, is this section completed by the preparer or the 
taxpayer? 
A.
Taxpayer. 
Q.
And this says the email address associated with this 
taxpayer was what?
A.
Alexacosta03@gmail.com. 
Q.
And, listed in occupation of? 
A.
The BSO deputy. 
Q.
And the date of this signature? 
A.
February 4, 2020. 
Q.
There is another section down here, just below that, 
distinct from the taxpayer certification to the accuracy.  What 
is -- what is this form, or this area of form? 
A.
It is for the paid preparer, only, to provide the 
information of the preparer's address. 
Q.
And, here what is the preparer's name? 
A.
Vilsaint, St. Louis. 
Q.
And I believe this is what you are -- you have mentioned 
before, that's the PTIN? 
A.
Yes. 
Q.
And that is? 
A.
That is the PTIN number. 
Q.
Okay.  Can you explain what that was?  
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What does it stand for? 
A.
The preparer tax identification number. 
Q.
Thank you.  
And here, we have a firm's EIN.  Do you know what that 
is?  
A.
That is the firm's employer identification number. 
Q.
And, again, the name of the firm that St. Louis purportedly 
works for? 
A.
Victory Tax, Inc. 
Q.
I am going to go to Page 4.  I am showing you Page 4 of 
Government's Exhibit 201.  
Do you -- do you know what this document is?  
A.
It is a paid preparer's due diligence checklist. 
Q.
What is that exactly? 
A.
When certain credits are requested, like child tax credit 
or additional, or EIC, or -- there is a checklist that 
preparers will fill out to make sure they are asking the proper 
questions of their clients as a check, due diligence check.
Q.
And that is submitted to the IRS? 
A.
Yes. 
Q.
This form is completed by the tax preparer in this case? 
A.
Yes. 
Q.
Can you read line 1? 
A.
"Did you complete the return based on information for tax 
year 2019 provided by the taxpayer or reasonably obtained by 
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you?"  
Q.
What was the answer to that? 
A.
Excuse me, "taxpayer or reasonably obtained by you" -- 
sorry -- and the answer was yes. 
Q.
And now, just in the general sense, that type of 
certification, is that because the taxpayer is the one 
responsible for the information in any tax return? 
A.
Yes. 
Q.
I am going to quickly scroll to Page 15 of this record.  
Do you recognize what this is?  
A.
Yes.  It is a Schedule C. 
Q.
And, what is the Schedule C for? 
A.
Alexandra Acosta. 
Q.
What is the listed principal business or profession of 
Alexandra Acosta? 
A.
Valor Dog, LLC.  
Q.
And the social security number? 
A.
590-92-6946. 
Q.
There is also a listed employer ID number.  What is that? 
A.
46-3507588. 
Q.
And the business address of? 
A.
7200 Northwest 94th Way, Fort Lauderdale, Florida 33321. 
Q.
Now, Schedule C, in general, you testified that it was a 
reporting form for businesses? 
A.
Yes. 
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Q.
Does the form include an area for income? 
A.
Yes, it does. 
Q.
And, I am going to highlight a section here, part one.  And 
this is that section discussing income.  And, what is the 
amount listed for income in 2019? 
A.
$13,904. 
Q.
And then there is also a section on expenses.  
A.
Yes. 
Q.
And, in this section, what was listed as expenses? 
A.
Advertising, we have $1,288, car and truck expenses, 
$5,948, supplies, we have $6,389, taxes and licenses, $503, 
travel and meals, for travel, we have $2,863, other expenses, 
from line 48, we have $6,532. 
Q.
And is there a total expense calculated? 
A.
Yes. $23,523.  
Q.
And, there is also a line 2 there.  What is that? 
A.
Tentative profit or loss, subtract 28 from line 7, which 
was the loss of $9,619. 
Q.
So, in sum, this form represents that the business or Valor 
Dog, LLC, or Alexandra Acosta had lost $9,619 in 2019? 
A.
Yes.  
Q.
Let me show you Government's Exhibit 200.  
Do you recognize this? 
A.
Yes. 
Q.
What is this?  
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A.
This is an electronically filed 1040 U.S. individual tax 
return for 2019. 
Q.
So, this is the same type of documents we discussed as 
Government's Exhibit 201? 
A.
Yes, it is. 
Q.
And, again, this is -- this area regarding the signature, 
is this the taxpayer's signature, or the tax preparer's 
signature? 
A.
It is the taxpayer's electronically signed signature. 
Q.
And I am sorry I didn't address this earlier.  That, it is 
a bunch of asterisks.  So, what does that represent? 
A.
An electronic signature with the five digit PIN that the 
taxpayer will put in for themselves. 
Q.
And, what was the date of this -- this signature? 
A.
February 6th, 2019. 
Q.
And the occupation associated with Ms. Acosta at the time? 
A.
BSO deputy. 
Q.
I am moving down what has been listed as Schedule 1.  
Can you briefly describe what Schedule 1 is?  
A.
Schedule 1 is additional income and adjustments to income. 
Q.
And line 12, what does that represent? 
A.
Business or income loss, the Schedule C, and the amount of 
a loss of $25,772. 
Q.
And, does that -- so, that refers to the Schedule C in this 
return? 
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A.
Yes. 
Q.
I am showing you Page 14 of this document; same document, 
Government's Exhibit 200.  And, is this the Schedule C for 
Alexandra Acosta? 
A.
Yes. 
Q.
And what is the listed principal business for this one? 
A.
Partners Realty LLC. 
Q.
And this lists the social security number of -- or what is 
the social security number associated with it? 
A.
590-92-6946. 
Q.
I believe there is an address here.  It is different.  What 
is the address? 
A.
2000 Northwest 150th Avenue, Hollywood, Florida 33028. 
Q.
And, just like the 2019 tax return, or Schedule C, there is 
an income section.  Can you tell me what was disclosed as 
income on Schedule C? 
A.
$23,596. 
Q.
And, just like the 2019 Schedule C, there is an area for 
expenses.  Can you describe the expenses listed in this form? 
A.
We have advertising, $8,869; car and truck expenses, 
$3,482; rent or lease for other business property, $7,455; 
repairs and maintenance, $8,147; supplies, $7,445; travel and 
meals for travel $2,356; other expenses from line 48, $11,614.  
And then total expenses was $49,368, with the total tentative 
profit or loss in the amount of a loss of $25,772.  
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Q.
Now, the losses associated in this Schedule C, the Schedule 
C for 2019, do they offset the W-2 income of the taxpayer? 
A.
What it will end up doing is reducing the total taxable 
income for the year, which will lower the total tax for the 
year. 
Q.
So, in this instance, if we go back, we have a total loss 
of 25,772; correct? 
A.
Yes. 
Q.
And, back at the second page, this resulted in what?  
A.
This resulted in a refund. 
Q.
How much? 
A.
$6,702. 
Q.
And, I believe I skipped over this one.  The paid preparer 
section here, what is listed? 
A.
The paid preparer is Jesus Medina. 
Q.
And is the firm -- what is the firm's name? 
A.
Victory Tax, Inc. 
Q.
Was that the same company that prepared the 2019 return? 
A.
Yes. 
Q.
I am showing you Government's Exhibit 202.  
What is this?  
A.
This is electronically filed Form 1040 U.S. individual tax 
return for 2020. 
Q.
And who is this form for? 
A.
Alexandra Acosta. 
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Q.
And, the social security number associated with Alexandra 
Acosta? 
A.
590-92-6946. 
Q.
And the address? 
A.
7200 Northwest 94th Way, Tamarac, Florida 33321. 
Q.
And, in this section -- let me back out of here for a 
second.  
So, this is for the 2020 tax year; correct?  
A.
Correct. 
Q.
And, would this form -- it maybe seems intuitive, but are 
these prepared the following year for a prior tax year, for 
example, 2021 -- that is a terrible question? 
Would a 2020 tax return be prepared in 2021?  
A.
Yes. 
Q.
And that is customary for all of these returns, it is the 
following year? 
A.
Correct.  
Q.
Now, in this instance, again, was this document represented 
to be signed by Alexandra Acosta? 
A.
Yes. 
Q.
And what was the date? 
A.
February 22nd, 2021. 
Q.
Is there a preparer listed on this form, as well? 
A.
Yes, there is. 
Q.
And who is that? 
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A.
Vilsaint. 
Q.
And the firm's name? 
A.
Victory Tax, Inc. 
Q.
Is this the same firm that purportedly or that filed the 
last tax returns in 2018 and 2019? 
A.
Yes, it is. 
Q.
Is there any reference in these first two pages of this 
document to any business income?  
I can scroll back up for you, as well.  
A.
No, there isn't. 
Q.
Is there any -- when you reviewed this file for 2020, were 
there any schedule Cs attached? 
A.
No, there was not. 
Q.
Were there any expenses listed for a business?  
A.
No, there was not. 
Q.
Can an individual report expenses on a Schedule C, even if 
they didn't make any money that year? 
A.
From?  
Q.
For losses? 
A.
From a business?  
Q.
For a Schedule C, you report profit, you can report loss.  
We saw that in 2018 and 2019 there were losses? 
A.
Um-hmm. 
Q.
If, hypothetically, somebody did not have an income at all, 
$0 revenue, but, that company had losses that year, for 
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expenses, would that be reported on a Schedule C? 
A.
I don't know.  
Q.
Just as a loss can be reported on a Schedule C to offset 
personal income, for example?  
A.
I am sorry.  I am lost in the question. 
Q.
That's fine.  In 2018 and 2019, there were Schedule Cs that 
are filed? 
A.
Correct. 
Q.
In fact, let's go back to one.  
We are on Government's Exhibit -- we are looking at 
Government's Exhibit 201, Page 15, again.  And, in this 
section, I will just highlight the whole area so we can see it 
a little better.  
Part one, we already discussed that listed the income; 
correct?  
A.
Correct. 
Q.
Did part two lists the expenses; correct? 
A.
Correct. 
Q.
The question was, could part one say zero, and part two 
still include these expenses? 
A.
I have seen that, yes. 
Q.
And, for 2019, 2018, 2019, 2020, who is responsible for the 
information submitted to the IRS? 
A.
The taxpayer. 
Q.
And, in this instance, who was the taxpayer? 
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A.
Alexandra Acosta. 
MR. JONES:  Your Honor, I was going to pivot to a 
different line of questioning.  So, if you want to break -- 
but, I am good to keep going.  
THE COURT:  Keep going.  
MR. JONES:  Okay.
BY MR. JONES:
Q.
Now, we previously mentioned there is an audit records 
related to 2018 and 2019 tax returns.  And, we just saw some of 
the tax returns for those years; correct?  
A.
Correct. 
Q.
And, have you had a chance to review those files before 
today? 
A.
Yes, I have. 
Q.
And, was one of them the 489-page Government's Exhibit 203? 
A.
Yes. 
Q.
And, you reviewed that in preparation of your testimony 
today? 
A.
I did. 
Q.
Was that record kept in the ordinary course of business for 
the IRS? 
A.
Yes, it was. 
Q.
And, had the IRS provided certified copies to the U.S. 
Attorney's Office in advance of trial? 
A.
Yes, they did. 
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MR. JONES:  Your Honor, I move to admit what has been 
marked as Government's Exhibit 203, 203A through H, which are 
subsets of 203.  
MR. SILBER:  Your Honor, we renew our previously made 
objections, including as to authenticity. 
THE COURT:  All right.  I will overrule those 
objections, and those will be received in evidence.  
(Government's No. 203 A through H was received in 
Evidence.) 
BY MR. JONES:
Q.
Now, I am showing you the first page of Government's 
Exhibit -- well, I didn't highlight it all -- Government's 
Exhibit 203.  Like I said, it is a 489-page document.  
But, I've got good news.  We are not going through 489 
pages.  I am going to discuss certain portions of this with 
you.  And, I have highlighted them as separate exhibits.  So, 
we are going to go first to 203A.  
I am showing you Government's Exhibit 203A.  I am going 
to highlight this top section area.  What are we -- what is 
this document?  
A.
This is the case history report of the audit file. 
Q.
And, is it listed which years the audit was for here? 
A.
Yes, it does. 
Q.
And, what years were those? 
A.
Tax years 2018 and 2019. 
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Q.
And is there a name of an examining officer? 
A.
Yes, there is. 
Q.
Who is that.  
A.
Phyllis Kampmeyer. 
Q.
And the taxpayer in this audit? 
A.
Alexandra Acosta. 
Q.
With her address? 
A.
7200 Northwest 94th Way, Tamarac, Florida 33321-3043. 
Q.
And, there is also a telephone number there? 
A.
Yes. 
Q.
And can you read what that is? 
A.
(305) 494-9699. 
Q.
Now, you are familiar with audits.  But, you don't conduct 
them, right? 
A.
Correct. 
Q.
And, for purposes of conducting an audit, does the examiner 
have to reach out to the taxpayer? 
A.
Yes.  There is back and forth contact. 
Q.
And, they would use that phone number? 
A.
Yes.  
Q.
And, mail correspondence to that address? 
A.
Correct.  
Q.
Now, this first entry, this is the first entry on this 
entire document.  What does that represent if it is the first 
entry? 
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A.
This is the date that everything initially started with the 
audit; first entry is first contact. 
Q.
Okay.  And, what was the date here? 
A.
December 8th of 2020. 
Q.
There are remarks listed in each one of these sections.  
You referenced what this meant, the impetus of the audit.  But, 
there are some sections here, I guess, that referenced TP.  
What does TP stand for? 
A.
Taxpayer. 
Q.
Okay.  And, you see the section -- I think it is the fourth 
or fifth, maybe even the sixth sentence there, starting with, 
"An in depth." 
A.
Okay.
Q.
What does that say? 
A.
An in-depth income probe may be warranted, depending on 
taxpayer's interview answers.  
Q.
Okay.  So, are interviews custom when an audit is 
conducted? 
A.
Yes. 
Q.
I will draw your attention to the next entry here.  
Can you tell us the date of this entry?  
A.
December 16th of 2020. 
Q.
And, what does the entry represent? 
A.
It says Form 8821 received, and remarks received Form 8821 
from taxpayers new power of attorney, Vilsaint St. Louis, who 
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is the return preparer.  He faxed Form 8821 to centralized 
authorized function, called power of attorney, discussed the 
issues that were under review for taxpayer.  Power of attorney 
needs to review 2018 and 2019 returns more fully to be prepared 
to answer the questions on Monday.  While discussing carryover 
cash contributions, power of attorney stated that he thought 
you could claim these every year.  Made a time for a telephone 
appointment on December 21, 2020, at noon. 
Q.
Okay.  So, I saw a couple of acronyms there.
You were saying "point of contact."  
That is POA? 
A.
Yes.
Q.
And TP is taxpayer? 
A.
Yes. 
Q.
And, in this instance, a Form 8821 is? 
A.
It is an authorization for somebody to be a power of 
attorney to act as -- to call on their behalf and to act for 
them.  
Q.
And, that is a limited power of attorney for purposes of 
the audit? 
A.
Correct.  
Q.
Continuing on this section, what does it say about the 
F-8821? 
A.
The Form 8821 is very limited.  The POA or the power of 
attorney has very little representation ability.  The power of 
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attorney cannot stop the tax compliance officer from 
interviewing the taxpayer.  Reviewed the revenue procedure 
2014-42, and emails from 2015 describing the new instructions.  
"The AFSP appears to only be in effect for Form 2848s.  
Therefore, Mr. St. Louis may still provide tax information on 
behalf of taxpayer.  Called Mr. St. Louis and explained this.  
Tax compliance officer will interview taxpayer via phone 
separately.  
Power of attorney provided a good cell phone number for the 
taxpayer.  Set a deadline of January 13, 2021, for taxpayer to 
provide all documents.  Power of attorney stated he will try to 
have all documents faxed asap and well before January 13, 
2021." 
Q.
Okay.  In this, that entry references an interview, an 
upcoming interview with the taxpayer? 
A.
Yes. 
Q.
This next section, another entry is dated what? 
A.
December 17 of 2020. 
Q.
And, what -- is it referenced regarding a telephone 
interview? 
A.
Yes. 
Q.
What is it, generally?
You don't have to read it out, but just summarize.  
Effectively, what was that representing happening? 
A.
"The tax compliance officer took testimony as to how her 
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returns were prepared with the return preparer, Vilsaint 
St. Louis.  Taxpayer agreed to answer more questions if 
necessary.  Tax compliance officer explained the next steps in 
the examination." 
Q.
What else does it say there, to review records? 
A.
"Tax compliance officer explained that the next steps in 
the examination were to review her records, which she states 
are with the return preparer.  Later discussed with the group 
manager Susan Miller to ensure consistent discussions with 
return preparer who submitted Form 8821."
Q.
I am showing you, side by side here, this has been marked 
as Government's Exhibit 203B and admitted into evidence.  I am 
going to go down to a section here that refers to that entry.  
Okay.  I am on Page 6 of 203B.  What is the jury seeing here?  
A.
The initial interview questions and notes. 
Q.
And, this is -- there is a date listed up here in the 
right-hand corner.  Is that the date of the interview, or the 
date this was produced to the U.S. Government? 
A.
I am -- I'm not sure.  I don't know. 
Q.
Why don't we go into the body of the interview to answer 
that.  
I am highlighting the substantive session of the 
interview.  Can you read this area for the jury?  
A.
"Comments," okay.  "12-17-2020, BSO deputy, revenue 
examiner agent on the side.  Taxpayer has been having 
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Mr. St. Louis prepare her returns for four to five years.  
Taxpayer makes an appointment and goes to the Davie office.  
She takes her W-2 and Form 1099 miscellaneous and Form 1098.  
She takes in some of the receipts of purchases, advertising, CC 
statements, gas receipts, supplies for home office, et cetera, 
for the Schedule C expenses."  
Q.
I am going to actually do one paragraph at a time so it is 
bigger for everybody to see.  Thank you for that.  Okay.  
A.
"She and return preparer figure out the expenses together.  
TP doesn't really know exactly how they come up with the 
figures.  She has a figure in her head as to what she spent and 
then she gives him her paperwork.  She believes she has 
analyzed -- she believe he analyzes it pretty well since she is 
there for a while.  She says that the figure he puts on the 
Schedule C is pretty close to what she has in her head.  
She sat with Vilsaint St. Louis for 2018 and 2019.  She 
does not know Jesus M. Medina, who signed her 2018 return.  She 
doesn't remember whether she received copies of the returns or 
not.  She has not reviewed her returns since she got the letter 
6323.  She simply called the return preparer, and he said he 
would take care of everything about the examination." 
Q.
It goes on.  
A.
"Taxpayer recalls that return preparer went over the 
returns with her each year; however, she can't recall if she 
had any questions about any part of them since it was a while 
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ago.  
TP paid via credit card.  
Taxpayer received direct deposits.  
Taxpayer cannot recall if she signed anything.  
Taxpayer states that return preparer told her if the IRS 
had questions, she should ask for his assistance and he would 
assist her.  
After explaining some of the expenses on the 2018 Schedule 
C, taxpayer reiterated that all the figures and expenses on the 
schedule Cs are info that she and the return preparer came up 
with together.  
Q.
There are more sentences at the end here.  
A.
She did not leave it all to him.  Tax compliance officer 
explained that she may have more questions in future, and 
taxpayer agreed to answer them if needed."  
Q.
Now, we referenced a prior entry in the case history report 
that the tax preparer would send in records supporting the tax 
return; correct? 
A.
Correct. 
Q.
I am going to show you what has been entered as 
Government's Exhibit 203F.  
Now, what is -- what does the record here reflect as far as 
the date of this document?  
A.
December 29th, 2020.  
Q.
And, would that be the day that it was faxed to the IRS? 
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A.
Yes. 
Q.
And, who is it faxed from? 
A.
Victory Tax, Inc. 
Q.
And, at the top here, what type of form is this, and what 
is the information that it is portraying? 
A.
This is a taxpayer questionnaire for Alexandra Acosta. 
Q.
And, it has her personal information there? 
A.
Yes, it does. 
Q.
Including the email address we have previously seen on 
other records? 
A.
Yes. 
Q.
The social security number that we have seen in the other 
records? 
A.
Yes. 
Q.
It includes information about her bank?  
A.
Yes, it does.  
Q.
And what would that he about for?  
A.
I am assuming for -- well, that bank information would be 
for refunds. 
THE COURT:  Is that still an active bank account?  
MR. JONES:  Truist is now -- SunTrust is Truist now.  
THE COURT:  So, we need to redact these documents 
before you actually file them. 
MR. JONES:  Absolutely. 
THE COURT:  And so, since I just interrupted, so 
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members of the jury, I remember at the beginning of my 
instruction I told you that there may be times when evidence or 
testimony is admitted for a limited purpose.  So, this 
testimony concerning the defendant's tax returns and audits, 
okay, is one of those areas that is not directly part of the 
charged offense.  
She is not charged with any tax crimes.  And, so, this 
evidence, okay, is only admitted for a limited purpose.  
You must not consider this evidence to decide whether 
the defendant engaged in the activity that is alleged in the 
superseding indictment.  This evidence is admitted and may be 
considered by you for the limited purpose of assisting you in 
determining whether the defendant had the state of mind or 
intent necessary to commit the crimes charged in the 
superseding indictment, whether the defendant had a motive or 
opportunity to commit the acts charged in the superseding 
indictment, whether the defendant acted according to a plan or 
in preparation to commit a crime, or whether the defendant 
committed the acts charged in the superseding indictment by 
accident or mistake.  
Go ahead.  
MR. JONES:  Thank you.  
BY MR. JONES:
Q.
I will be showing you a split screen of Government's 
Exhibit 201, Government's Exhibit 203F that we were just 
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discussing.  
Now, this form that is received in the audit 
purportedly corresponds to the 2019 tax return.  And I just 
want to show you a section of Government's Exhibit 201, listing 
dependents.  Do you see that?  
A.
Yes. 
Q.
And, does that correlate with the information that was 
listed here --
A.
Yes. 
Q.
-- in Government's Exhibit 203F; correct? 
A.
Yes. 
Q.
Scrolling further down to the section of 203F, regarding 
expenses, did you have a chance to look at those? 
A.
Yes, I did. 
Q.
And, do those expenses correlate with the expenses listed 
here in the tax return? 
A.
Yes, it did. 
Q.
Likewise, Victory Taxes also faxed over a 2018 
questionnaire; correct? 
A.
Yes. 
Q.
I apologize.  I am just going to draw up the 2019 
questionnaire.  We will bring it down here to the bottom.  
After all these expenses were listed, after the dependents 
are listed, there are some more itemized expenses; correct?
A.
Yes. 
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Q.
Okay.  And then at the end of that form, is there a section 
entitled Taxpayer Questionnaire Review? 
A.
Yes. 
Q.
And what does that say? 
A.
"The above information is true and correct, and we 
understand that the information given in this questionnaire 
will be used to complete my" -- I am not sure what -- does that 
say 2012 tax return"?  
Q.
It does.  
MR. SILBER:  Objection, speculation. 
THE COURT:  Overruled.  
BY MR. JONES:
Q.
In essence, what is the certification here?  
A.
It is stating that the information is complete and true.  
Q.
What is the date? 
A.
February 4, 2020. 
Q.
And, does it appear to be signed by the taxpayer? 
A.
Yes. 
Q.
As we discussed, likewise, there is a 2018 questionnaire 
that was received at the same date and time? 
A.
Yes. 
Q.
And, this was for the same taxpayer? 
A.
Yes.  It is.  
Q.
And, when you reviewed this record compared to the 2018 tax 
return Schedule C, were the expenses listed on this Schedule C 
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matching up to this one, as well? 
A.
Yes, it was.  
THE COURT:  All right.  Let's take our morning recess.  
It is 20 of 11.  See everybody in 15 minutes, at five of 11, 
all right?  
15 minutes.  
COURT SECURITY OFFICER:  All rise for the jury.  
[Whereupon, the jury left the courtroom, and the 
following proceedings were had at 10:40 a.m.:] 
COURT SECURITY OFFICER:  All rise.  
THE COURT:  Thank you, be seated. 
We still have a couple of minutes.  
THE COURT:  All right.  Bring in the jury.  
COURT SECURITY OFFICER:  All rise for the jury.  
[Whereupon, the jury entered the courtroom, and the 
following proceedings were had at 10:55 a.m.:] 
THE COURT:  All right.  Welcome back, everyone.  Please 
be seated.  
All right, Mr. Jones.
MR. JONES:  Thank you, your Honor.
BY MR. JONES:
Q.
When we left off and we were just going over Government's 
Exhibit 203E, and you were on Page 4, and I asked you whether 
these expenses listed matched up to the Schedule C for the 2018 
tax return year.  And your testimony was yes. 
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And then, going down a little further, you also had a 
chance to review and compare itemized expenses.  And, those 
were reflected on the tax return, as well? 
A.
Yes, they were.  
Q.
Now, this one for full disclosure is not signed by anybody; 
correct? 
A.
Correct.  
Q.
We are going back to Government's Exhibit 203A.  We last 
left off, well -- just to bookend, the documents that we just 
discussed as being facts, does this entry -- what is the date 
of this entry? 
A.
December 29th of 2020.  
Q.
And, what does it represent? 
A.
It is a telephone contact. 
Q.
And, what does the -- what does this entry state? 
A.
"Power of attorney on 12-23 left a message on December 23rd 
2020, stating he was faxing taxpayer's documents.  As of 
December 29, 2020, no documents had been received.  Called 
power of attorney, who stated he will fax over organized and 
easy to understand substantiating documents ASAP.  
Later received faxes relating to 2018 and 2019.  Reviewed 
the pages and called power of attorney back stating that what 
was sent needs more explanation.  Taxpayer must provide mileage 
logs and odometer readings and provide more source 
documentation to substantiate the expenses claimed on both 2018 
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and 2019 Schedule A -- excuse me, Schedule Cs.  Excuse me.  
POA admitted that he duplicated real estate taxes on 
Schedule A.  
POA -- power of attorney admits that he duplicated car 
expenses by giving mileage and actual expenses on Schedule C.  
Power of attorney states he did not understand the tax 
rules.  
Power of attorney states tax compliance officer to call him 
and let him know what is missing from the documentation so he 
and taxpayer can provide it.  Tax compliance officer explained 
she will call after a more complete review."  
Q.
And, there are additional entries here.  One -- let me just 
highlight the -- this entry here.  What is the date? 
A.
January 12 of 2021. 
Q.
What are the remarks? 
A.
"Power of attorney called and stated that the taxpayer does 
not have any other documents to provide as of today.  Return 
preparer plans to talk to her and ask for one more effort on 
her part to secure substantiation documents.  Tax compliance 
officer set a deadline of October 15, 2020, for power of 
attorney to fax any new documentation.  
Q.
And the next entry? 
A.
January 13, 2021, "Worked on data received.  
"Reviewed all documents taxpayer sent in to date.  
"Prepared lead sheets.  
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"Added new issues for qualified business income deduction 
in case taxpayer has income after all other adjustments.  
"Added new issues for taxes and licenses to increase 
taxpayer's credit based on information provided.  Reviewed 
Accurint for marriage information.  No evidence of marriage.  
However, TP's co-owner of her home and mother of her dependent 
has the same Erin Acosta." 
Q.
And that ends with "which?"  
A.
Yes, "Which indicates there may be a marriage.  Tax 
compliance officer tried calling taxpayer but no answer and no 
voicemail.  Tax compliance officer will determine if a new 
issue is necessary after discuss." 
Q.
I cut that off? 
A.
"After discussing with taxpayer." 
Q.
Okay.  Now, there is another entry here.  What is the date 
of that? 
A.
January 19, 2021. 
Q.
What does the first sentence say? 
A.
"No additional documents received from taxpayer or power of 
attorney."  
Q.
And, there is some other notes here about contacts with the 
taxpayer or tax preparer? 
A.
Did you want me to keep going?  
Q.
You don't need to read this.  Thank you.  
Well, there is something here.  
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This next, this next entry? 
A.
January 21, 2021, letter 30 days.  Acting manager provided 
signed letter 915 and letter S300.  
Generated Form 4549.  Mailed 4549, letter 915, Form 9465, 
publication 3498 to taxpayer.  
Mailed Form 4549, letter 951, letter 937 to power of 
attorney. 
Q.
And, in this instance, this letter, what exactly would this 
be?  
A.
The letter. 
Q.
What does it signify?  
A.
The correspondence sent to the taxpayer. 
Q.
And, I am going to pull up Government's Exhibit 203C.  
Can you tell us the date of this letter?  
A.
January 21, 2021. 
Q.
And, who this letter mailed to? 
A.
Alexandra Acosta. 
Q.
And the address? 
A.
7200 Northwest 94th Way, Tamarac, Florida 33321-3043. 
Q.
And, this first -- this first section, what does it 
explain? 
A.
"We have enclosed two copies of our examination report 
showing the changes we made to your tax for the periods shown 
above.  Please read the report and tell us whether you agree or 
disagree with the changes."  
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Q.
Now, this -- this form, that is a letter.  This is mailed 
out U.S. mail? 
A.
Yes, it is. 
Q.
I am going to show you Government's Exhibit 203D.  
Do you recognize what 203D is?   
A.
This is the Form 4549. 
Q.
And, what is the title of that document? 
A.
"Report of Income Tax Examination Changes."  
Q.
We have been using the term audit.  Is the income tax 
examination another term for audit? 
A.
Yes. 
Q.
So, what does this document reflect? 
A.
The changes that were made to the tax returns for the 
specific years. 
Q.
And, which years were there adjustments made to? 
A.
Tax year 2018 and 2019. 
Q.
Now, without going through exactly what the IRS determined 
were excessive charges or unsupported charges at that time, 
let's take a look here at the bottom section.  What does number 
19 represent? 
A.
Number 19 is the summary of taxes, penalties, and interest.  
Q.
And what was the balance due for taxes? 
A.
Balance due, for one year was $9,733, and for the other 
year was 4,760. 
Q.
And, is this the amount of money owed to the IRS as unpaid 
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taxes from those years? 
A.
Yes. 
Q.
And, what is subsection B of that line? 
A.
Penalties. 
Q.
And, what is the amount calculated for 2018? 
A.
1,946. 
Q.
And, what was the amount calculated for 2019? 
A.
8,952. 
Q.
And is there also a subsection C here? 
A.
Yes, for interest. 
Q.
And what is that? 
A.
For 2018, it was $995.95, and for 2019, it was $104. 
Q.
Now, at this bottom line, D, it says what?  
A.
"Amount due or refund." 
Q.
And, how much was due for the 2018 tax year? 
A.
$12,675.55. 
Q.
And how about the 2019 tax year? 
A.
$5,816. 
Q.
And I will not make you do math on the stand.  
A.
Thank you. 
Q.
But, is that roughly around $18,500? 
A.
Yes. 
Q.
Now, you mentioned this was mailed out in U.S. mail? 
A.
Yes. 
Q.
Can you describe to me the next entry? 
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A.
January 25, 2021, "Telephone contact, power of attorney 
called and stated he and the taxpayer received the Form 4549 
packages, power of attorney stated that the taxpayer will be 
reviewing her records for more substantiation of the disallowed 
expenses." 
Q.
There is an entry here.  It starts on the Page 3, but it 
will carry over to Page 4 and I will go there.  
But, what is the date? 
A.
February 11, 2021, received SunTrust Bank statements. 
Q.
And what is the entry? 
A.
Received 19 faxes with taxpayer's SunTrust bank statements 
where taxpayer has identified additional expenses.  Reviewed 
but found very few annotations.  
Called power of attorney, who said there was only a few to 
consider.  
Power of attorney also asked for an allowance for Internet 
since taxpayer worked out of her home.  Will review the 
statement more fully as soon as possible." 
Q.
There is another entry here.  
A.
February 22nd, 2021, "telephone contact.  Called power of 
attorney, who stated he has the final documents from taxpayer 
and will fax them tonight."  
Q.
And, is there an entry for -- sorry.  What is the next 
entry? 
A.
February 23, 2021, "Worked on data received.  Received fax 
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from power of attorney with office dimensions and Home Depot 
credit card statements.  Evaluated, added issue for home office 
expense.  Prepared other lead sheets.  Updated Schedule C 
recap.  Modified qualified business income deductions based on 
all other adjustments.  Called power of attorney and stated 
evaluation was done.  Power of attorney brought up advertising 
expenses for which taxpayer has no substantiated had -- excuse 
me.  
"Power of attorney brought up advertising expenses for 
which taxpayer has not substantiated, so, no credit has been 
given.  
"Power of attorney asked for penalty abatement.  
"Tax compliance officer stated taxpayer must submit a 
written statement.  
"Power of attorney will ask the taxpayer to write and send 
the statement as soon as possible.  
"Tax compliance officer will wait for the statement prior 
to sending a corrected Form 4549 and letter 692.  
"Added new issue for filing status based on taxpayer 
testimony on February 1, 2021."  
Q.
Now, it mentioned penalty abatement.  And, is that in 
correlation to the tax examination changes that referenced the 
penalty? 
A.
Yes. 
Q.
And so the IRS has, in its own review, the ability to 
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charge penalties in certain circumstances, and not, in others? 
A.
Yes. 
Q.
And, that is based, I guess, on the level of conduct? 
A.
Yes. 
Q.
We are coming to the end here.  But, just a few more.  What 
is this entry?  
A.
March 1, 2021, "Telephone contact.  Called power of 
attorney and explained no statement has been received from 
taxpayer regarding abatement of penalties and declaring her 
reasonable cause.  Discussed circumstances about reasonable 
cause again with power of attorney.  Power of attorney states 
he will call the taxpayer again to explain what she must do.  
Tax compliance officer will await the statement to consider 
before sending out corrected Form 4549 and letter 692. 
Q.
Okay.  Just for clarity, so we received -- it appears 
that's a letter sent on January 21st; correct? 
A.
Yes. 
Q.
And then that included a statement of amount owed? 
A.
Correct. 
Q.
That wasn't final yet? 
A.
No. 
Q.
And so, at this point, in March of 2021, the audit is still 
ongoing? 
A.
Correct.  
Q.
There is an entry that goes over two pages again.  We are 
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on page -- forgive me -- Page 4, the bottom of Page 4, this 
entry.  What is the date? 
A.
March 18, 2021, "Telephone contact, began closing.  
Q.
Sorry.  Can you read this section? 
A.
Power of attorney called about other cases.  Tax compliance 
officer asked if taxpayer was going to sign Form 4549, and 
power of attorney stated he will try to secure the signed Form 
4549 by the end of the day.  
"Solicited payment.  
"Power of attorney states that the taxpayer cannot pay in 
full within 120 days.  Taxpayer will set up an installment 
agreement with collections.  
Began preparing cases for closure.  
Secured IDRS prints?  
Prepared post cash T, made note" -- 
Q.
That is okay.  Sorry.  Yeah.  
The next entry here? 
A.
March 23, 2021, "Close unagreed." 
Q.
And the remarks? 
A.
"No response from taxpayer or POA; no signed 4549; prepared 
case for closing.  Labeled all documents received by taxpayer 
or power of attorney."  
Q.
Okay.  Now, here is a longer one.  What is the date of this 
entry? 
A.
April 1st, 2021, "Telephone contact."
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Q.
Okay.  And the remarks reference a different date? 
A.
Yes. "On March 29th, TP -- taxpayer called tax compliance 
officer to discuss case.  
"Tax compliance officer explained the case was closed 
unagreed due to no response.  Taxpayer stated that she had been 
calling and calling her return preparer/power of attorney who 
would not return her calls.  Out of frustration, she called the 
tax compliance officer.  Tax compliance officer explained all 
allowances that had been given in detail based on taxpayer's 
records submitted.  
Taxpayer agreed that the nature of allowances are correct, 
although taxpayer may have missed pointing out some expenses.  
When questioned about how the inaccurate expenses got to 
the Schedule Cs, taxpayer explained her return preparer, 
Mr. St. Louis, evaluated her books and records and placed the 
analyzed figures on the Schedule Cs.  
"Solicited payment.  
"TP stated that she cannot pay the amount due in 120 days.  
Taxpayer will have to set up an installment agreement with 
collection.  Taxpayer faxed a letter requesting abatement of 
penalties.  After careful consideration of taxpayer's oral and 
written testimony against a return preparer, tax compliance 
officer will abate penalties.  Prepared corrected 4549 mailed 
to TP, and power of attorney with letter 692 and letter 937.  
Q.
Now, this referenced a letter statement from the taxpayer? 
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A.
Correct.  
Q.
Was that in the records, as well? 
A.
Yes. 
Q.
Let me show you Government's Exhibits 203G.  
Sorry.  I should have told you to pack lozenges or 
something.  
What is the date of this?
What is the date of this at the top? 
A.
March 29, 2021. 
Q.
And who is it to?  
A.
Phyllis Kampmeyer. 
Q.
Phyllis Kampmeyer, the auditor? 
A.
Yes. 
Q.
And, who is it from? 
A.
Alexandra Acosta. 
Q.
And, is it signed and dated? 
A.
Yes, it is. 
Q.
What is the date? 
A.
March 29, 2021. 
Q.
We are going to go in blocks so you can see it a little 
easier.  But, can you read the first portion? 
A.
"I, Alexandra Acosta, gave my tax preparer Vilsaint 
St. Louis from Victory Taxes several credit card and bank 
statements from previous years to prepare my taxes, along with 
my W-2 and 1099s.  To the best of my knowledge, in both 2018 
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and 2019, due though to his busy schedule, he had me drop off 
my paperwork, then had me return at a later date to sign it.  
"In both those years, I did not sit with St. Louis to 
complete my tax return.  As a matter of fact, I specifically 
used Mr. St. Louis as my preparer and, after the audit, I 
noticed another preparer filed my taxes one of those years.  
"After I carefully reviewed my tax returns pre- and post 
exam and credit and bank statements from 2018 and 2019, I see 
that the expenses on my tax returns do not match the expenses 
on my bank and credit statements.  
"I do not know where Mr. St. Louis produced some of the 
figures in my returns. 
"I have also asked Mr. St. Louis if I needed to file single 
or married since I am married, and he stated to me that, 
according to tax law, I do not need to file married.  
"After our conversation today, I understand that it is, in 
fact, a law, and I will file married in future tax 
preparations." 
Q.
Okay.  Now, as a result of this letter, the IRS changed its 
penalties associated with the income tax examination? 
A.
Yes. 
Q.
I am showing you what has been admitted as G's 
Exhibit 203H.  
Do you recognize this?  
A.
Yes, I do.  
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47
Q.
And what does it state up here? 
A.
It is the corrected report. 
Q.
Okay.  This is for the same period, 2018, 2019? 
A.
Yes. 
Q.
Is this, in effect, an updated report from the report that 
was sent on January 21, 2021? 
A.
Yes. 
Q.
Now, in this -- this report, we can go through the summary 
here, 19, the balance due for 2018 was? 
A.
$9,042. 
Q.
And for 2019? 
A.
$1,071 -- I can't -- 
Q.
I will not testify, but I think it is a 4.  
A.
It looks like a 1 here.  4,071 dollars. 
Q.
And, section B. Is there anything indicated in section B? 
A.
No. 
Q.
And, that is the penalties that are abated because of that 
statement? 
A.
Correct.  
Q.
Total amount due?  
A.
For 2018, $88,869.55.  Or $0.65, sorry.  And then for 2019, 
$4,169.04. 
Q.
And, approximately, that being 1400, or $14,000? 
A.
Correct.  
Q.
Is there any evidence -- or during your review, was this 
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48
balance ultimately paid off? 
A.
I don't know.  
Q.
Okay.  
MR. JONES:  One moment, your Honor.  
BY MR. JONES:
Q.
Ms. Hernandez, thank you for traveling all the way here.  
We appreciate you.  
No further questions, your Honor 
THE COURT:  All right.  
Cross-examination.  
MR. SILBER:  Thank you, your Honor. 
CROSS-EXAMINATION 
Q.
Good morning, Ms. Hernandez.  
A.
Good morning. 
Q.
Thank you for coming today.  If you can just give me a 
second to get set up here.  
All right.  Work with me a second.  I have to go through 
this binder and get to the right page.  
All right.  I am showing you what was previously 
admitted as Government's Exhibit 203A.  
Do you see that sticker there?  
A.
Yes, I do. 
Q.
The title of that, "Case History Report"? 
A.
Yes. 
Q.
Okay.  Do you see all these boxes that are blank here? 
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49
A.
Yes. 
Q.
Those are redactions, right? 
A.
Yes. 
Q.
And, can you tell me if those redactions were put in there 
by the IRS?  
A.
I don't know.  
Q.
Okay.  Here is another one.  
Let me zoom in.  
Do you see that redaction there?  
A.
Yes, I do. 
Q.
Do you know if the IRS did that one? 
A.
I don't know.  
Q.
Okay.  All right.  I am going to ask you some other 
questions about these documents.  
There is a lot here, so I just got to go back and 
forth.  So, if you would just bear with me -- 
Okay.  I am just going to highlight a couple of things 
here.  
Looking at the note entry on February 1, 2021, okay, 
isn't it true that Mr. St. Louis told the tax compliance 
officer that he didn't see anything wrong with annotating my 
client as single on the 2018 and 2019 returns?  Isn't that 
true?  
A.
That is what the notes say. 
Q.
Okay.  Well, that was -- you are correct.  Let me rephrase 
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that.  Your official IRS record that was maintained in the 
normal course of business to memorialize all the comments and 
statements made between the taxpayer, the tax preparer and the 
tax compliance officer are in this document, correct? 
A.
Correct. 
Q.
Okay.  So, isn't it true that this document memorialized 
that he didn't see anything wrong with annotating her as single 
when she was, in fact, married? 
A.
I wasn't there, present in the conversation.  So, I don't 
know.  I can't say what -- how he felt about it.  
Q.
I know.  But, that is in these records, isn't it? 
A.
Yes, yes.
Q.
I am not asking you if you were part of the conversation, 
you are the records custodian; correct? 
A.
Yes. 
Q.
I am asking you, in your context as a records custodian.  
He never learned that you could take only mileage or actual 
expenses.  Right?  
A.
If it is on the record, if that's what it says, then okay. 
Q.
Here is my question.  And this may be outside of your job 
function.  But, I imagine you must have received training at 
the IRS about basic tax principles and tax, how they work and 
all that stuff; is that correct? 
A.
I know a little about tax law, yeah. 
Q.
And, were you familiar with that law about taking mileage 
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51
or actual expense?
Is that something you would have knowledge of? 
A.
I am not tax-law trained, no. 
Q.
That's fair enough.  No problem.  How about here.  Okay.  
Right here.  This right here.  1-19, there is a record that he 
indicated he was out of the office due to the birth of his 
child; correct? 
A.
The record states that. 
Q.
And that was on -- is this the January 21st entry or is 
that a January 19th entry?  
A.
It looks like the January 19th. 
Q.
19th.  Okay.  Either way, 19, 21, around that time period, 
he had a baby.  
Okay.  
Q.
And, here, on April 1st, 2021, TP means taxpayer again, 
right? 
A.
Correct. 
Q.
She stated that she had been calling her RP, return 
preparer; correct? 
A.
Yes. 
Q.
And POA, a power of attorney; correct? 
A.
Yes.
Q.
Who would not return her calls, and, out of frustration, 
she called the tax compliance officer; correct? 
A.
Correct. 
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Q.
And here, in this note -- 
A.
It is a little blurry. 
Q.
Oh, sorry.  So, to be clear about one thing, I want to be 
sure.  Do you see where it says, "Comments," are these comments 
that the tax compliance officer would have put into this field? 
A.
Which form is this?  
Q.
Examiner Phyllis Kampmeyer? 
A.
Okay.  
Q.
Do you see what I am referring to? 
A.
Yes. 
Q.
These notes in here, is that something the tax compliance 
officer would have written? 
A.
It looks like the examiner wrote that. 
Q.
Maybe I am saying the wrong thing.  What is the difference 
between the examiner and the TCO? 
A.
The tax examiner, the auditor, and the tax compliance 
officer are two separate people.  They are from two separate -- 
I would say divisions of departments.  They work two different 
aspects of, I guess, the audit. 
Q.
Understood.  But, either way, these are notes about the 
case; correct? 
A.
Yes. 
Q.
Okay.  So, taxpayer -- meaning Ms. Acosta -- was not 
educated in the field of taxes, and no intentional disregard of 
rules or regulations was evident based on taxpayer's oral 
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53
testimony and all evidence provided related to the case; is 
that correct? 
A.
If that's the notes that were in there, yes. 
Q.
Taxpayer used and relied on Mr. Vilsaint St. Louis as her 
preparer to file an accurate return based on her circumstances.  
Correct? 
A.
Correct.  
Q.
Taxpayer, Ms. Acosta, provided her preparer to -- whoops -- 
provided all documentation that was requested by the preparer.  
Correct? 
A.
Correct.  
Q.
Taxpayer believed in good faith that the tax return was 
accurate and compliant.  Right? 
A.
Yes. 
Q.
Taxpayer requested that no penalty be assessed given she 
did not know the inaccurate figures that Mr. St. Louis placed 
on her Schedule Cs? 
A.
Correct.  Yes. 
Q.
And, isn't it true he admitted that he double-entered her 
property tax; correct? 
A.
He admitted?  
Q.
I am sorry.  He entered her property tax twice by accident? 
A.
If it was on one of the reports, yes. 
Q.
Well, I am asking you, are you familiar with these 
documents? 
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A.
With the report, the documents, yes. 
Q.
Yes.  Okay.  And isn't it true that part of the problem 
with her taxes was that she got depreciation for her property 
tax on her house twice.  Isn't that correct? 
A.
I am not sure about that one. 
Q.
Okay.  
A.
I didn't -- 
THE COURT:  The depreciation or deduction?  
You said depreciation twice. 
MR. SILBER:  I am sorry.  I am using the wrong word.  I 
mean deduction.  Thank you for pointing that out.  
BY MR. SILBER:  
Q.
Do you know now what I am talking about? 
A.
We didn't go over. 
Q.
So, in one of her returns, there's a double entry for her 
property taxes.  Is that correct? 
A.
Yes. 
Q.
And, as a result of that, her taxable income was brought 
down more than it should have been; correct? 
A.
Yes. 
Q.
And, it was an identical double entry, almost as if someone 
hit enter twice; correct? 
A.
Yes. 
Q.
And, he admitted he made that mistake, didn't he? 
A.
If he reported it in the notes; correct. 
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55
Q.
That was in the notes, wasn't it? 
A.
Yes. 
Q.
Okay.  And, equally, we just saw a moment ago, he admitted 
that he didn't understand that you can't deduct expenses and 
the actual mileage; it is one or the other; correct? 
A.
I am sorry, in the -- can you repeat the question. 
Q.
He admitted in his discussions with whoever made these 
notes that he was not aware you could only deduct actual 
mileage or expenses, as opposed to both? 
A.
Correct. 
Q.
And, he said that on the things that he read and maybe the 
classes he took, he was never explained that, was he? 
A.
Classes?  
Q.
Whatever notation that was in there, things he read, there 
is a reference to certain education, he said he never learned 
that, in other words, right?
A.
I didn't see that.  I am sorry. 
Q.
Okay.  All right.  Looking at this 2018 return here, do you 
see this page, the first page? 
A.
Yes. 
Q.
Okay.  What I am looking for here, if you could point out 
is where is the signature block on this document where the 
person -- 
A.
On the first page?  
Q.
That is on the first page.  That is down here?  
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A.
Where it says sign here?  
Q.
Here?  
A.
Yes. 
Q.
Okay.  And, I see the asterisks, and you said that was a 
digital signature, correct? 
A.
Correct.  This is an electronically filed 1040 return. 
Q.
Okay.  How is that -- if you know, how is that digital 
signature derived? 
A.
When you electronically file a return, when you transmit 
it, electronically, the taxpayer provides a digital PIN number, 
six numbers, individual PIN that they put in before they 
transmit it to the IRS. 
Q.
Okay.  So, if I read this document correctly, just looking 
-- and, again, you are the records custodian, and I know you 
were not involved in the details of this -- does this inform us 
that the taxpayer, Ms. Acosta, is the one who electronically 
filed this, or it was somebody else? 
A.
I don't know.  I wasn't there at the time. 
Q.
Okay.  So, looking at this document, you can't tell us if 
Ms. Acosta was the person who filed this return, or was it 
somebody else? 
A.
I wasn't there at the time.  
Q.
I am just saying, referencing the documents, I am only 
asking you in your context as records custodian, looking at 
this document, can you tell me who submitted this application? 
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Who submitted this return? 
A.
I see that it is signed, but I wasn't there at the time it 
was signed.  I can't tell you who signed it. 
Q.
Okay.  Thank you.  
All right.  Let's move on to 2019.  
I am showing you what has been previously admitted as 
Government's 201.  Do you see that right there?  
A.
Yes. 
Q.
Okay.  All right.  So, I see here, wages.  This indicates 
to us that in 2019, she earned -- she reported income of 
$103,819; is that correct? 
A.
Correct.  
Q.
Okay.  Do you recognize the back of this?
A.
Yes. 
Q.
Second page.  Okay.  Same question as with 2018.
Are you able to tell me, looking at this document, who 
submitted the signature? 
A.
I could see that it is signed. 
Q.
It is signed.  But, do you know who signed it? 
A.
I was not there when it was signed. 
Q.
Okay.  And, this part with third-party designee, what does 
that tell us? 
A.
That Victory Tax, Inc., was given permission to speak on 
behalf of that return, if any discussions were needed. 
Q.
Let's talk about that for a second.  
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So, in the course of the audit, my client signed what 
is called a power of attorney; correct?  
I am an attorney, right?  
What does power of attorney mean in the context of 
these audits, if you know?  
A.
For this Form 8821, which is an authorization form, was 
signed and given to the preparer to speak on behalf of this 
form. 
Q.
And, of course, someone, a taxpayer would sign this 
document so that their tax preparer or accountant or CPA, 
whoever that person is, could interact with the IRS on their 
behalf; correct? 
A.
Correct. 
Q.
So, every notice will -- once you have the power of 
attorney executed, that person, the attorney who has that, 
maybe he is not a lawyer, but he has the power of attorney, 
will get copies of all notices that were sent to the taxpayer; 
correct? 
A.
But, only for that specific tax year. 
Q.
So throughout this entire process, Mr. St. Louis was 
apprised of every step of this audit investigation; correct? 
A.
If there was a letter 937 going out, then that letter was 
going to him. 
Q.
Okay.  And, when my client mentioned that she needed a 
payment plan, that was in the month of April of 2021, wasn't 
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it? 
A.
Yes. 
Q.
And, in the end, the tax that she was due was paid in full, 
wasn't it? 
A.
I don't know.  
Q.
Okay.  But, there was an installment plan initiated; 
correct? 
A.
From the notes I see, she did request a payment plan, yes. 
Q.
And, as opposed to a person writing a check or hitting a 
credit card and paying the whole thing at once? 
A.
Yes, a payment plan is that. 
Q.
And, that is done through the collections department of the 
IRS, right? 
A.
Or, you could go online. 
Q.
Online, or just submit your monthly whatever it is? 
A.
Yes.  You could set up a payment plan. 
Q.
Okay.  And a payment plan is exactly what happened in this 
case, isn't it? 
A.
I am not sure.  
Q.
All right.  You recognize this document? 
A.
Yes, I do. 
Q.
Government's -- sorry, my eyes are terrible.  203H.  
Okay.  This was issued on April 13, 2021; is that correct? 
A.
Correct.  
Q.
Okay.  And I see here, penalties, B, that line is blank.  
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Does that mean there were no penalties assessed? 
A.
That was the penalties were abated.  
Q.
Okay.  She didn't have to pay a penalty, did she? 
A.
Yes, no -- I mean, the penalties were abated. 
Q.
Okay.  But, when you say "abated," that means she doesn't 
have to pay it, right? 
A.
They were -- per her request, the letter that she 
submitted, the -- they were reversed.  The penalties that had 
been assessed were taken back.
Q.
So, in the end, she didn't have to pay it, right? 
A.
No penalties were incurred. 
Q.
Okay.  So, at the end of the day, for 2018, I don't know if 
you can see that 18 there -- 
A.
Yes. 
Q.
Do you see that? 
A.
Yes. 
Q.
Okay.  She paid interest, okay.  They never get rid of the 
interest, right? 
A.
The interest was there.  They never abated the interest, 
yes. 
Q.
Right.  So, she just basically paid the tax that was owed 
and just a little bit of interest, and the same thing again 
in -- we are here in '19?  
Same thing here in '19, right, just the tax, a little bit 
of interest, $98, right?
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A.
Correct.  
Q.
Okay.  And, isn't it true in those notes, it is 
memorialized that my client was frustrated and that she called 
on her own to the TCO to find out what was going on with the 
case? 
A.
There were calls to the tax compliance officer, yes.
Q.
And, she mentioned, it is in those notes that the taxpayer, 
my client tried reaching Mr. St. Louis, but was unable to; 
correct? 
A.
Correct.  
Q.
And, isn't it true that there was a portion of these notes 
where the tax compliance officer is, in essence, correcting 
Mr. St. Louis and advising him of the limits of his 
representation? 
A.
I am not sure. 
Q.
Let me get to that.  Hold on.  
Sorry, just bear with me one second.  
I am sorry.  I am just lost in my paperwork here.
That's okay.  We will get to that one later.  
Now, it was established in their discussions that my 
client is a full time BSO deputy as well as a part-time real 
estate agent; is that correct 
A.
Yes. 
Q.
Okay.  And, isn't it true that in 2019, on her Schedule C, 
she reported to the IRS that she earned $13,900; correct? 
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A.
Correct. 
Q.
And, whatever calculation was done with the expenses of the 
business, she reported and she paid accordingly; correct? 
A.
Yes. 
Q.
And then that was later corrected when the audit was done 
because the double entry, the mileage, those things we already 
discussed, and then she was assessed the tax later; correct? 
A.
Correct. 
Q.
And, she has paid that tax in full; correct? 
A.
I don't know if she has paid in full. 
Q.
Okay.  
MR. SILBER:  Can I have a second, your Honor?  
THE COURT:  Yes. 
MR. SILBER:  Thank you.  
All right.  Nothing further for this witness at this 
time.  
THE COURT:  All right.
Do you have redirect?  
MR. JONES:  Yes, your Honor. 
MR. SILBER:  Your Honor, before the Government begins, 
I actually found the page that I wanted.
Can I ask one question more?  
THE COURT:  Sure. 
MR. SILBER:  Thank you.  
And, I am not a paperwork guy.  
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(Continuation of Cross-Examination) 
BY MR. SILBER:
Q.
All right.  It is right here.  
THE COURT:  What exhibit are you showing her, just so 
we keep track. 
MR. SILBER:  Sorry.  You know what, I pulled the wrong 
one.  Never mind.  We will get to it later.  Thank you. 
THE COURT:  Okay.  Well, they are all in evidence, 
right. 
MR. SILBER:  Yes, exactly.  We will address it later.  
THE COURT:  Okay. 
MR. JONES:  Your Honor may I have the -- thank you. 
REDIRECT EXAMINATION 
BY MR. JONES:
Q.
You were asked about the signatures on the tax returns.  I 
will bring your attention back to Exhibit 201.  This is the 
2019 tax return for Ms.  Alexandra Acosta.  And, Page 4, we 
have a paid preparer's due diligence's checklist, as you 
testified, that was something that was completed by the 
preparer; correct?  
A.
Correct. 
Q.
And, we also discussed Government's Exhibit 203F, which is 
a taxpayer questionnaire; correct? 
A.
Correct. 
Q.
And, as we went through this 203F, we discussed the 
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64
information that was listed in this form; correct? 
A.
Correct. 
Q.
And, I asked you whether it matched with the information in 
the schedule or in the 2019 tax return.  Correct? 
A.
Correct. 
Q.
And, what was your testimony?  
A.
All the information matched. 
Q.
And, at the bottom here, of Government's Exhibit 203F, was 
it signed?  
A.
Yes, it is. 
Q.
And is that an electronic signature? 
A.
No, it is not. 
Q.
Is that asterisks? 
A.
No, it is not. 
Q.
What was the date? 
A.
February 4th of 2020. 
Q.
Could you tell me the date that is listed here on the tax 
return? 
A.
February 4, 2020. 
Q.
Defense counsel also brought up a power of attorney.  Now, 
this is from the entry of 12-16.  This is at the beginning of 
the audit.  And, what does it say here, right after this 
redacted portion? 
A.
The Form 8821 is very limited.  The power of attorney has 
very little representation ability.  
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65
Q.
And, he asked you about these redactions, but these records 
are what was produced to the United States in response to a 
request? 
A.
Yes. 
Q.
Mr. Silber also asked you about the abatement of penalties.  
He went through some of the notes on this penalty sheet 
with you; correct?  
A.
Correct. 
Q.
Can you tell me the date of the interview with Ms. Acosta 
in the beginning of this audit? 
A.
December 17th, 2020. 
Q.
What does she state? 
A.
She and the return preparer figured out the expenses 
together.  
Q.
What else does she state here, this second sentence? 
A.
She sat with Vilsaint St. Louis for 2018 and 2019.  
Q.
How about this last sentence? 
A.
After explaining some of the expenses on the 2018 Schedule 
C, taxpayer reiterated that all figures and expenses on the 
Schedule C are info that she and -- that she and the return 
preparer came up with together. 
Q.
And, following that information, without receiving any 
additional records supporting her taxes for that year, you 
testified that the IRS sent an examination change report; 
correct? 
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A.
Correct. 
Q.
And, that report had penalties and interest included? 
A.
Correct.  
Q.
And, that was based on the information that was obtained, 
to that date? 
A.
Yes. 
Q.
Now, in contrast, I will show you Government's 
Exhibit 203G.  
What does she say here in this first full sentence? 
A.
"I do not know where Mr. St. Louis produced some of the 
figures in my returns."  
Q.
How about this other sentence here?  
I will start here, the full sentence for you, that would 
make more sense.  
A.
"To the best of my knowledge, in both 2018 and 2019, due to 
his busy schedule, he had me drop off my paperwork then had me 
return at a later date to sign it.  In both those years, I did 
not sit with Mr. St. Louis to complete my tax return.  As a 
matter of fact, I specifically used Mr. St. Louis as my 
preparer and, after the audit, I noticed another preparer filed 
my taxes one of those years." 
Q.
Now, this was in response to the TCO's request for a letter 
if they wanted abatement of penalties, right? 
A.
Correct. 
Q.
And, those penalties were abated because of her own 
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67
statements? 
A.
Yes. 
Q.
Not because she provided substantiating records? 
A.
Correct.  
Q.
Mr. Silber also talked to you or he mentioned that this was 
all just because of real estate double reporting.  I am going 
to show you the examination report again.  
Now, based on this, this is the -- this is Government's 
Exhibit 203D.  Let me -- I will go one year at a time here, 
now.  
It is going to bother me if I don't get the zeros on 
there.  I apologize 
So, what does this represent for the period ending 
2018?  
A.
Just adjustments for income, for Schedule C, the adjusted 
gross income itemized deduction and qualified business income 
deduction. 
Q.
And this, these numbers, so, B, here, other expenses, 
$9,214, does that represent expenses that were not qualified, 
or not supported? 
A.
What do you mean?  I am sorry. 
Q.
There is a total adjustment level down here into $34,571.  
Right?  
A.
Okay.  
Q.
Is that a computation of all these adjustments to her 
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68
income that year? 
A.
Yes. 
Q.
And so in here, are there expenses listed that were 
adjusted for -- for example what is subsection E, 1E?  
A.
Oh, that is the line number for the schedule. 
Q.
Okay.  And what does it say next to it? 
A.
Repairs and maintenance. 
Q.
Does that have anything to do with real estate taxes? 
A.
No. 
Q.
And, does this indicate that that income should be 
attributed back to her 2018 return, that $8,147, was expenses 
that shouldn't have been used?  
A.
Those were the adjustments that were -- those were the 
expenses that were on the Schedule C that were adjusted. 
Q.
Correct.  Unsupported? 
A.
Yes, sorry.  
Q.
And, likewise, supplies?  1D, correct? 
A.
Correct. 
Q.
Is that real estate taxes? 
A.
No, it is not. 
Q.
How about 1C, travel? 
A.
No. 
Q.
Is that real estate taxes? 
A.
No, it is not. 
Q.
How about 1G? 
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69
A.
Advertising, no. 
MR. JONES:  No further questions, your Honor. 
MR. SILBER:  Your Honor, I found the two documents I 
wanted to ask.  Would you allow me to reopen so we could 
address that?  
THE COURT:  Okay.  All right.  
MR. SILBER:  I appreciate it. 
RECROSS-EXAMINATION 
BY MR. SILBER:
Q.
Okay.  I found the documents.  All right.  So, here we are.  
Do you remember when I asked you about his comment that was 
recorded in here about what he studied?  
Do you remember that part of my cross-examination? 
A.
Yes. 
Q.
Okay.  So, power of attorney, that is Mr. St. Louis, right, 
stated he didn't see anything wrong with annotating her as 
single.  We covered that, right?  H? 
"Tax compliance officer explained that the taxpayer 
must file as -- what does MFJ stand for?
A.
Married filing joint.
Q.
With Ms. Thomas as Ms. Acosta's wife, right?
A.
Right.  
Q.
Keep going here.  What is MFS or HOH? 
A.
Married filing separate, or head of household. 
Q.
If the circumstances dictate, power of attorney, also 
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70
return preparer, right? 
A.
Yes. 
Q.
And, by the way, the return preparer is the person who 
fills out the tax return and puts all the numbers in, right, 
based off what the taxpayer information that is provided, 
presumptively.  Right?  
A.
A taxpayer -- 
Q.
Well, for example, he admitted that he had an erroneous 
double entry.  She didn't provide him with two property taxes, 
right?  
He admitted he made a mistake? 
A.
I wasn't -- 
Q.
These records reflect that he admitted he made a mistake? 
A.
Okay.  
Q.
Yes?  
A.
Okay.  
Q.
Is that what these records indicate? 
A.
I don't know.
Q.
Okay.  Now, you don't know. 
All right.  "Tax compliance officer points out that the 
power of attorney stated his case that he never learned you 
could only take mileage or actual expenses.  He never learned 
this at any of the IRS forums or read this in any of the tax 
law books he reviewed.  
"The tax compliance officer explained that this is one 
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71
of the first things that a good return preparer learns about, 
and that he is very mistaken, very mistaken about taking 
mileage and in capital letters, and actual expenses which he, 
he, not taxpayer, which he took on the 2018 and 2019 returns."  
Right?  
This is what was memorialized in the tax audit report 
as his comments and her comments, correct? 
A.
It is notated.  
Q.
Okay.  All right.  This is an April 1st, 2021, entry; 
correct? 
A.
Correct. 
Q.
Okay.  On March 29, 2021, the taxpayer called -- 
Ms. Acosta -- called tax compliance officer to discuss the 
case.  TCO explained that the case was closed due to no 
response.  Taxpayer stated that she had been calling and 
calling her return preparer power of attorney who would not 
return her calls.  
Correct? 
A.
Correct. 
Q.
Out of frustration, she called the tax compliance officer.  
Right?  
The tax compliance officer explained all the allowances 
that had been given in detail based on the records, blah blah 
blah, and it goes on.  
The point being, my client had to call on her own because 
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72
her power of attorney wasn't doing it for her, was he?  
A.
Yes.  That's what the note says. 
Q.
Thank you.  
Nothing further, your Honor.  
MR. JONES:  Can I briefly address that, your Honor?  
THE COURT:  Okay. 
REDIRECT EXAMINATION 
BY MR. JONES:
Q.
Mr. Silber asked you about the February 1st entry here.  
A.
Yes. 
Q.
He described how the notes reflect how bad of a tax 
preparer Mr. St. Louis was? 
A.
Yes. 
Q.
Who was with Mr. St. Louis during this conversation? 
A.
Power of attorney and taxpayer called in. 
Q.
Does that reflect that the tax preparer was there during 
the conversation? 
A.
Yes. 
Q.
And then here, Mr. Silber was stating that the tax preparer 
had to call in out of frustration? 
A.
Yes. 
Q.
Can you tell me what the entry for March 23 states? 
A.
"No response from taxpayer or power of attorney."  
Q.
Thank you.  
MR. JONES:  No further questions.  
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THE COURT:  All right, thank you.  
(Witness excused.) 
_     _     _
C E R T I F I C A T E
I hereby certify that the foregoing is an 
accurate transcription of the proceedings in the 
above-entitled matter.
August 7, 2024     /s/Sharon Velazco      _____ 
DATE                   SHARON VELAZCO, RPR, FPR
                       Official Court Reporter
                       United States District Court
                       400 North Miami Avenue
   8th Floor
   Miami, Florida 33128
                       
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$
$0.65 [1] - 47:21
$1,071 [1] - 47:12
$1,288 [1] - 13:10
$103,819 [2] - 7:12, 
57:11
$104 [1] - 39:12
$11,614 [1] - 15:23
$12,675.55 [1] - 
39:16
$13,900 [1] - 61:25
$13,904 [1] - 13:6
$14,000 [1] - 47:23
$18,500 [1] - 39:21
$2,356 [1] - 15:23
$2,863 [1] - 13:12
$23,523 [1] - 13:15
$23,596 [1] - 15:17
$25,772 [2] - 14:23, 
15:25
$26,651 [1] - 7:21
$3,482 [1] - 15:21
$34,571 [1] - 67:22
$4,169.04 [1] - 47:22
$49,368 [1] - 15:24
$5,816 [1] - 39:18
$5,948 [1] - 13:11
$503 [1] - 13:11
$6,389 [1] - 13:11
$6,532 [1] - 13:13
$6,702 [1] - 16:12
$67,549 [1] - 7:24
$7,445 [1] - 15:22
$7,455 [1] - 15:21
$7,666 [1] - 8:8
$8,147 [2] - 15:22, 
68:11
$8,869 [1] - 15:20
$88,869.55 [1] - 
47:21
$9,042 [1] - 47:10
$9,214 [1] - 67:19
$9,619 [3] - 7:15, 
13:18, 13:20
$9,733 [1] - 38:23
$98 [1] - 60:25
$995.95 [1] - 39:12
'
'19 [2] - 60:23, 60:24
/
/s/Sharon [1] - 73:11
0
0 [1] - 18:25
0:23-cr-60170-RNS-
1 [1] - 1:2
1
1 [12] - 1:8, 7:10, 
7:11, 7:14, 11:23, 
14:18, 14:19, 14:20, 
41:20, 42:7, 47:14, 
49:19
1,946 [1] - 39:6
1-19 [1] - 51:5
1040 [6] - 5:16, 5:17, 
7:3, 14:1, 16:22, 56:6
1040s [1] - 4:11
1098 [1] - 27:3
1099 [2] - 6:5, 27:3
1099s [1] - 45:25
10:40 [1] - 33:9
10:55 [1] - 33:16
11 [3] - 33:4, 40:9
11B [1] - 7:22
12 [2] - 14:21, 35:14
12-16 [1] - 64:21
12-17-2020 [1] - 
26:24
12-23 [1] - 34:16
120 [2] - 43:11, 44:18
13 [4] - 25:10, 25:12, 
35:23, 59:23
14 [1] - 15:2
1400 [1] - 47:23
15 [5] - 12:9, 19:11, 
33:4, 33:6, 35:20
150th [1] - 15:13
16 [1] - 3:22
16th [1] - 23:22
17 [1] - 25:18
17th [1] - 65:11
18 [3] - 9:5, 43:3, 
60:13
19 [6] - 36:17, 38:20, 
38:21, 40:11, 47:9, 
51:12
19th [3] - 51:10, 
51:11, 51:12
1C [1] - 68:21
1D [1] - 68:17
1E [1] - 68:4
1G [1] - 68:25
1st [4] - 43:25, 51:15, 
71:9, 72:9
2
2 [1] - 13:16
20 [1] - 33:4
200 [4] - 6:11, 6:17, 
13:22, 15:3
2000 [1] - 15:13
201 [11] - 6:18, 6:24, 
7:25, 8:2, 11:11, 14:4, 
19:11, 30:25, 31:4, 
57:7, 63:16
2012 [1] - 32:8
2014-42 [1] - 25:3
2015 [1] - 25:3
2018 [38] - 5:6, 5:9, 
5:13, 18:5, 18:22, 
19:6, 19:22, 20:9, 
21:25, 24:4, 27:16, 
27:17, 28:8, 31:18, 
32:19, 32:24, 33:24, 
34:21, 34:25, 38:16, 
39:5, 39:12, 39:15, 
45:25, 46:8, 47:3, 
47:9, 47:21, 49:22, 
55:18, 57:15, 60:12, 
65:16, 65:18, 66:15, 
67:14, 68:11, 71:4
2019 [43] - 5:9, 5:13, 
7:4, 11:25, 13:5, 
13:20, 14:2, 14:15, 
15:14, 15:18, 16:2, 
16:18, 18:5, 18:22, 
19:6, 19:22, 20:9, 
21:25, 24:4, 27:16, 
31:3, 31:21, 34:21, 
35:1, 38:16, 39:7, 
39:12, 39:17, 46:1, 
46:8, 47:3, 47:11, 
47:21, 49:22, 57:5, 
57:10, 61:24, 63:17, 
64:4, 65:16, 66:15, 
71:4
202 [3] - 6:11, 6:19, 
16:20
2020 [21] - 5:7, 5:10, 
10:12, 16:23, 17:8, 
17:13, 18:11, 19:22, 
23:4, 23:22, 24:8, 
25:18, 28:24, 32:16, 
34:12, 34:17, 34:18, 
35:20, 64:16, 64:19, 
65:11
2021 [29] - 17:12, 
17:13, 17:22, 25:10, 
25:13, 35:14, 35:23, 
36:17, 37:2, 37:15, 
40:1, 40:9, 40:20, 
40:25, 41:20, 42:7, 
42:22, 43:3, 43:18, 
43:25, 45:9, 45:19, 
47:6, 49:19, 51:15, 
58:25, 59:23, 71:9, 
71:12
2024 [2] - 1:5, 73:11
203 [5] - 20:15, 21:2, 
21:3, 21:8, 21:13
203A [5] - 21:2, 
21:17, 21:18, 34:8, 
48:20
203B [2] - 26:12, 
26:14
203C [1] - 37:13
203D [3] - 38:4, 38:5, 
67:9
203E [1] - 33:23
203F [7] - 28:21, 
30:25, 31:10, 31:12, 
63:22, 63:25, 64:8
203G [2] - 45:4, 66:8
203H [2] - 46:23, 
59:22
21 [5] - 24:8, 37:2, 
37:15, 47:6, 51:12
21st [2] - 42:16, 51:9
22nd [2] - 17:22, 
40:20
23 [3] - 40:25, 43:18, 
72:22
23rd [1] - 34:16
25 [1] - 40:1
25,772 [1] - 16:7
28 [1] - 13:17
2848s [1] - 25:4
29 [4] - 34:18, 45:9, 
45:19, 71:12
29th [3] - 28:24, 
34:12, 44:2
3
3 [2] - 2:12, 40:6
30 [1] - 37:2
305 [2] - 2:5, 22:12
33028 [1] - 15:13
33128 [2] - 2:4, 73:14
33130 [1] - 1:19
33316 [1] - 1:23
33321 [2] - 12:22, 
17:5
33321-3043 [2] - 
22:8, 37:19
33394 [1] - 1:16
3498 [1] - 37:5
4
4 [12] - 1:5, 10:12, 
11:10, 32:16, 33:23, 
40:7, 43:1, 47:13, 
63:17, 64:19
4,071 [1] - 47:14
4,760 [1] - 38:24
400 [2] - 2:4, 73:13
4549 [11] - 37:4, 
37:6, 38:6, 40:2, 
41:18, 42:14, 43:6, 
43:8, 43:20, 44:23
 
1
46-3507588 [1] - 
12:20
48 [3] - 2:12, 13:13, 
15:23
489 [1] - 21:14
489-page [2] - 20:15, 
21:13
494-9699 [1] - 22:12
4th [1] - 64:16
5
500 [1] - 1:15
523-5636 [1] - 2:5
590-92-6946 [3] - 
12:18, 15:10, 17:3
6
6 [1] - 26:14
63 [1] - 2:12
6323 [1] - 27:20
69 [1] - 2:12
692 [3] - 41:18, 
42:14, 44:24
6th [1] - 14:15
7
7 [2] - 13:17, 73:11
72 [1] - 2:12
7200 [4] - 12:22, 
17:5, 22:8, 37:19
73 [1] - 1:8
7A [2] - 7:13, 7:14
7th [1] - 1:15
8
8,952 [1] - 39:8
8821 [8] - 23:24, 
24:1, 24:15, 24:24, 
26:10, 58:6, 64:24
8th [2] - 23:4, 73:14
9
9 [1] - 7:18
915 [2] - 37:3, 37:4
916 [1] - 1:22
937 [3] - 37:6, 44:24, 
58:22
9465 [1] - 37:4
94th [4] - 12:22, 
17:5, 22:8, 37:19
951 [1] - 37:6
A
a.m [2] - 33:9, 33:16
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 74 of 83

abate [1] - 44:23
abated [6] - 47:17, 
60:2, 60:4, 60:5, 
60:19, 66:25
abatement [6] - 
41:12, 41:21, 42:9, 
44:20, 65:5, 66:23
ability [3] - 24:25, 
41:25, 64:25
able [1] - 57:16
above-entitled [1] - 
73:9
absolutely [1] - 
29:24
accident [2] - 30:20, 
53:22
accompanying [1] - 
9:25
according [2] - 
30:17, 46:15
accordingly [1] - 
62:3
account [3] - 4:18, 
8:11, 29:20
accountant [1] - 
58:10
accountants [2] - 
9:8, 9:10
accuracy [2] - 5:1, 
10:14
accurate [4] - 4:20, 
53:5, 53:13, 73:8
Accurint [1] - 36:5
ACOSTA [1] - 1:7
Acosta [24] - 5:6, 
7:6, 12:13, 12:15, 
13:20, 14:16, 15:4, 
16:25, 17:2, 17:19, 
20:1, 22:6, 29:6, 36:7, 
37:17, 45:15, 45:22, 
52:23, 53:8, 56:16, 
56:20, 63:17, 65:9, 
71:13
Acosta's [1] - 69:21
acronyms [1] - 24:9
act [2] - 24:17
acted [1] - 30:17
acting [1] - 37:2
active [1] - 29:20
activity [1] - 30:10
acts [2] - 30:16, 
30:19
actual [7] - 35:5, 
50:17, 51:1, 55:5, 
55:8, 70:22, 71:3
ADAM [1] - 1:18
adam.love@usdoj.
gov [1] - 1:19
added [4] - 36:1, 
36:3, 41:2, 41:19
additional [7] - 4:18, 
11:16, 14:20, 35:12, 
36:19, 40:12, 65:23
address [14] - 10:6, 
10:17, 12:21, 14:10, 
15:11, 15:12, 17:4, 
22:7, 22:21, 29:9, 
37:18, 63:10, 69:5, 
72:5
adjusted [3] - 67:15, 
68:4, 68:14
adjustment [1] - 
67:22
adjustments [7] - 
14:20, 36:2, 38:15, 
41:5, 67:15, 67:25, 
68:13
admit [1] - 21:1
admits [1] - 35:4
admitted [18] - 6:16, 
6:24, 26:12, 30:3, 
30:8, 30:11, 35:2, 
46:22, 48:20, 53:19, 
53:21, 54:24, 55:3, 
55:7, 57:6, 70:8, 
70:11, 70:13
advance [1] - 20:24
advertising [6] - 
13:10, 15:20, 27:4, 
41:6, 41:9, 69:1
advising [1] - 61:13
AFSP [1] - 25:4
age [1] - 9:5
agent [2] - 26:25, 
61:22
ago [2] - 28:1, 55:3
agree [1] - 37:24
agreed [3] - 26:2, 
28:15, 44:11
agreement [2] - 
43:12, 44:19
ahead [1] - 30:21
Alexacosta03@
gmail.com [1] - 10:8
Alexandra [16] - 5:6, 
7:6, 12:13, 12:15, 
13:20, 15:4, 16:25, 
17:1, 17:19, 20:1, 
22:6, 29:6, 37:17, 
45:15, 45:22, 63:17
ALEXANDRA [1] - 
1:7
alleged [1] - 30:10
allow [1] - 69:4
allowance [1] - 40:16
allowances [3] - 
44:9, 44:11, 71:22
almost [1] - 54:21
AMERICA [1] - 1:4
amount [13] - 7:21, 
7:24, 8:6, 13:5, 14:22, 
15:25, 38:25, 39:5, 
39:7, 39:14, 42:18, 
44:18, 47:20
analyzed [2] - 27:13, 
44:16
analyzes [1] - 27:13
Andrews [1] - 1:22
annotating [3] - 
49:21, 50:7, 69:16
annotations [1] - 
40:13
answer [7] - 12:2, 
12:4, 24:5, 26:2, 
26:20, 28:15, 36:10
answers [1] - 23:16
apologize [3] - 6:22, 
31:21, 67:12
appear [1] - 32:17
APPEARANCES [1] - 
1:12
application [1] - 
56:25
apply [2] - 8:20, 9:15
appointment [2] - 
24:8, 27:2
appreciate [2] - 48:7, 
69:7
apprised [1] - 58:21
April [5] - 43:25, 
51:15, 58:25, 59:23, 
71:9
area [7] - 10:15, 
13:1, 14:6, 15:18, 
19:12, 21:19, 26:23
areas [1] - 30:5
asap [1] - 25:12
ASAP [1] - 34:20
aspects [1] - 52:19
assessed [4] - 53:15, 
60:1, 60:9, 62:7
assigned [1] - 9:16
assist [1] - 28:7
assistance [1] - 28:6
assisting [1] - 30:12
associated [6] - 
10:6, 14:16, 15:9, 
16:1, 17:1, 46:20
assuming [1] - 29:18
asterisks [3] - 14:11, 
56:4, 64:13
attached [1] - 18:12
attention [2] - 23:20, 
63:16
attorney [56] - 23:25, 
24:2, 24:3, 24:6, 
24:17, 24:19, 24:25, 
25:1, 25:9, 25:11, 
34:16, 34:19, 34:22, 
35:4, 35:6, 35:8, 
35:16, 35:21, 36:20, 
37:7, 40:1, 40:3, 
40:14, 40:16, 40:21, 
41:1, 41:5, 41:6, 41:9, 
41:12, 41:15, 42:8, 
42:11, 43:5, 43:7, 
43:10, 43:22, 44:6, 
44:24, 51:21, 58:2, 
58:3, 58:4, 58:15, 
58:16, 64:20, 64:24, 
69:15, 69:25, 70:21, 
71:16, 72:1, 72:15, 
72:23
Attorney's [2] - 1:18, 
20:24
attributed [1] - 68:11
audit [25] - 4:14, 
4:17, 5:12, 20:8, 
21:21, 21:22, 22:5, 
22:16, 23:2, 23:6, 
23:17, 24:20, 31:2, 
38:9, 38:10, 42:22, 
46:5, 52:19, 58:1, 
58:21, 62:5, 64:22, 
65:10, 66:20, 71:6
auditor [2] - 45:12, 
52:16
audits [4] - 5:3, 
22:13, 30:4, 58:5
August [1] - 73:11
authenticity [2] - 
6:14, 21:5
authorization [2] - 
24:16, 58:6
authorized [1] - 24:2
Avenue [4] - 1:22, 
2:4, 15:13, 73:13
await [1] - 42:13
aware [1] - 55:8
B
baby [1] - 51:13
bad [1] - 72:11
balance [4] - 38:22, 
38:23, 47:9, 48:1
bank [7] - 29:15, 
29:18, 29:20, 40:11, 
45:23, 46:8, 46:10
Bank [1] - 40:9
based [12] - 11:24, 
36:4, 41:4, 41:19, 
42:3, 44:9, 52:25, 
53:5, 66:4, 67:8, 70:5, 
71:23
basic [1] - 50:22
bear [2] - 49:16, 
61:17
become [2] - 8:19, 
8:22
 
2
BEFORE [1] - 1:11
began [2] - 43:3, 
43:13
beginning [3] - 30:1, 
64:21, 65:10
begins [1] - 62:20
behalf [5] - 24:17, 
25:6, 57:24, 58:7, 
58:12
belief [1] - 10:1
believes [1] - 27:12
below [2] - 9:21, 
10:13
best [3] - 10:1, 
45:25, 66:15
better [1] - 19:13
between [2] - 50:3, 
52:15
bigger [1] - 27:8
binder [1] - 48:18
birth [1] - 51:6
bit [2] - 60:22, 60:24
blah [3] - 71:23, 
71:24
blank [2] - 48:25, 
59:25
block [1] - 55:22
blocks [1] - 45:20
blurry [1] - 52:2
body [1] - 26:20
bookend [1] - 34:9
books [2] - 44:15, 
70:24
bother [1] - 67:11
bottom [6] - 7:22, 
31:22, 38:19, 39:13, 
43:1, 64:8
Boulevard [1] - 1:15
Box [4] - 7:10, 7:11, 
7:13, 7:14
boxes [1] - 48:25
break [1] - 20:3
BRIAN [1] - 1:21
Brian [1] - 1:22
briefly [5] - 4:9, 7:8, 
8:18, 14:19, 72:5
bring [4] - 7:18, 
31:22, 33:13, 63:16
brought [4] - 41:6, 
41:9, 54:18, 64:20
Broward [1] - 1:15
BSO [4] - 10:10, 
14:17, 26:24, 61:21
bunch [1] - 14:11
business [21] - 4:5, 
4:11, 4:18, 5:25, 6:2, 
6:4, 12:14, 12:21, 
13:19, 14:22, 15:6, 
15:21, 18:8, 18:14, 
18:20, 20:20, 36:1, 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 75 of 83

41:4, 50:2, 62:3, 
67:16
businesses [2] - 6:1, 
12:24
busy [2] - 46:1, 
66:16
BY [14] - 2:1, 3:16, 
6:20, 20:7, 21:10, 
30:23, 32:12, 33:21, 
48:5, 54:12, 63:2, 
63:14, 69:9, 72:8
C
calculated [3] - 
13:14, 39:5, 39:7
calculation [1] - 62:2
cannot [4] - 25:1, 
28:4, 43:10, 44:18
capital [1] - 71:3
car [3] - 13:10, 
15:20, 35:4
card [4] - 28:2, 41:2, 
45:23, 59:10
care [1] - 27:21
careful [1] - 44:21
carefully [1] - 46:7
carry [1] - 40:7
carryover [1] - 24:5
case [14] - 11:21, 
21:21, 28:16, 36:2, 
43:21, 44:3, 44:4, 
52:21, 53:1, 59:18, 
61:5, 70:21, 71:14
Case [1] - 48:23
CASE [1] - 1:2
cases [2] - 43:5, 
43:13
cash [2] - 24:6, 43:15
CC [1] - 27:4
cell [1] - 25:9
centralized [1] - 24:1
certain [4] - 11:15, 
21:15, 42:1, 55:15
certification [3] - 
10:14, 12:6, 32:13
certified [2] - 9:8, 
20:23
certify [2] - 4:23, 
73:7
cetera [1] - 27:5
chance [3] - 20:12, 
31:13, 34:2
change [1] - 65:24
changed [1] - 46:19
changes [4] - 37:23, 
37:25, 38:13, 41:22
Changes [1] - 38:8
charge [1] - 42:1
charged [5] - 30:6, 
30:7, 30:14, 30:16, 
30:19
charges [2] - 38:18
check [3] - 11:18, 
59:9
checking [1] - 8:10
checklist [3] - 11:13, 
11:16, 63:18
child [2] - 11:15, 
51:7
choose [1] - 9:12
CHRISTOPHER [1] - 
1:14
circumstances [4] - 
42:1, 42:10, 53:5, 
69:25
claim [1] - 24:7
claimed [1] - 34:25
clarity [1] - 42:15
classes [2] - 55:12, 
55:13
clear [1] - 52:3
client [7] - 49:22, 
58:1, 58:24, 61:3, 
61:8, 61:21, 71:25
clients [1] - 11:18
Close [1] - 43:18
close [1] - 27:15
closed [2] - 44:4, 
71:14
closing [2] - 43:3, 
43:21
closure [1] - 43:13
co [1] - 36:6
co-owner [1] - 36:6
collection [1] - 44:20
collections [2] - 
43:12, 59:12
comfortable [1] - 
3:10
coming [2] - 42:5, 
48:15
comment [1] - 69:11
Comments [1] - 52:4
comments [5] - 
26:24, 50:2, 52:4, 
71:7
Commissioner [1] - 
4:3
commit [3] - 30:14, 
30:16, 30:18
committed [1] - 
30:19
company [2] - 16:18, 
18:25
compare [1] - 34:2
compared [1] - 32:24
compensated [1] - 
9:15
complete [7] - 10:2, 
11:24, 32:7, 32:14, 
35:11, 46:4, 66:18
completed [3] - 10:3, 
11:21, 63:19
compliance [34] - 
25:1, 25:7, 25:25, 
26:3, 26:6, 28:13, 
35:8, 35:10, 35:19, 
36:10, 36:11, 41:13, 
41:17, 42:13, 43:5, 
44:2, 44:4, 44:8, 
44:22, 49:20, 50:4, 
51:24, 52:5, 52:11, 
52:16, 61:6, 61:12, 
69:18, 70:20, 70:25, 
71:13, 71:20, 71:22
compliant [1] - 53:13
computation [1] - 
67:25
concerning [1] - 
30:4
conduct [3] - 5:3, 
22:13, 42:3
conducted [1] - 
23:18
conducting [1] - 
22:16
consider [3] - 30:9, 
40:15, 42:13
consideration [1] - 
44:21
considered [1] - 
30:12
consistent [1] - 26:9
contact [9] - 22:18, 
23:2, 24:10, 34:14, 
40:1, 40:20, 42:7, 
43:3, 43:25
contacts [1] - 36:21
context [3] - 50:16, 
56:24, 58:4
continuation [1] - 
63:1
continuing [1] - 
24:22
contractor [1] - 6:9
contractors [1] - 6:7
contrast [1] - 66:7
contributions [1] - 
24:6
conversation [5] - 
46:16, 50:9, 50:13, 
72:14, 72:17
coordinator [5] - 
3:24, 4:1, 4:2, 4:21, 
4:23
copies [4] - 20:23, 
27:18, 37:22, 58:17
corner [1] - 26:17
correct [101] - 10:2, 
16:7, 17:8, 17:9, 
17:17, 19:8, 19:15, 
19:16, 19:17, 19:18, 
20:10, 20:11, 22:15, 
22:22, 24:21, 28:18, 
28:19, 31:10, 31:19, 
31:24, 32:5, 34:6, 
34:7, 42:16, 42:19, 
42:24, 44:11, 45:1, 
47:19, 47:24, 49:25, 
50:4, 50:5, 50:14, 
50:23, 51:7, 51:17, 
51:19, 51:21, 51:24, 
51:25, 52:21, 53:2, 
53:6, 53:7, 53:10, 
53:11, 53:18, 53:20, 
54:4, 54:16, 54:19, 
54:22, 54:25, 55:5, 
55:10, 56:5, 56:6, 
57:11, 57:12, 58:2, 
58:12, 58:13, 58:18, 
58:21, 59:7, 59:23, 
59:24, 61:1, 61:9, 
61:10, 61:22, 61:25, 
62:1, 62:3, 62:7, 62:8, 
62:9, 63:20, 63:21, 
63:23, 63:24, 64:1, 
64:2, 64:4, 64:5, 65:7, 
65:8, 65:25, 66:1, 
66:3, 66:24, 67:4, 
68:15, 68:17, 68:18, 
71:7, 71:10, 71:11, 
71:18, 71:19
corrected [5] - 
41:18, 42:14, 44:23, 
47:2, 62:5
correcting [1] - 
61:12
correctly [1] - 56:13
correlate [2] - 31:7, 
31:15
correlation [1] - 
41:22
correspondence [4] 
- 4:12, 22:21, 37:12
corresponds [1] - 
31:3
counsel [1] - 64:20
couple [3] - 24:9, 
33:12, 49:17
course [5] - 4:5, 
20:20, 50:2, 58:1, 
58:9
COURT [28] - 1:1, 
3:9, 3:14, 6:15, 20:5, 
21:6, 29:20, 29:22, 
29:25, 32:11, 33:3, 
33:7, 33:10, 33:11, 
33:13, 33:14, 33:17, 
48:9, 54:8, 62:13, 
 
3
62:17, 62:23, 63:4, 
63:8, 63:11, 69:6, 
72:6, 73:1
court [4] - 3:24, 4:1, 
4:2, 4:23
Court [4] - 2:3, 2:3, 
73:12, 73:13
courtroom [2] - 33:8, 
33:15
covered [1] - 69:17
CPA [1] - 58:10
credit [9] - 11:15, 
28:2, 36:4, 41:2, 
41:10, 45:23, 46:8, 
46:10, 59:10
credits [1] - 11:15
crime [1] - 30:18
crimes [2] - 30:7, 
30:14
Cross [2] - 2:10, 63:1
cross [2] - 48:10, 
69:13
CROSS [1] - 48:12
Cross-Examination 
[1] - 63:1
cross-examination 
[2] - 48:10, 69:13
CROSS-
EXAMINATION [1] - 
48:12
Cs [7] - 18:12, 19:6, 
28:10, 35:1, 44:14, 
44:16, 53:17
current [1] - 3:23
custodian [5] - 4:3, 
50:14, 50:16, 56:14, 
56:24
custom [1] - 23:17
customary [1] - 
17:15
cut [1] - 36:13
D
data [2] - 35:23, 
40:25
DATE [1] - 73:12
date [30] - 10:11, 
14:14, 17:21, 23:1, 
23:3, 23:21, 26:16, 
26:17, 26:18, 28:23, 
32:15, 32:20, 34:10, 
35:13, 35:24, 36:15, 
37:14, 40:8, 43:2, 
43:23, 44:1, 45:7, 
45:8, 45:18, 46:2, 
64:15, 64:17, 65:9, 
66:5, 66:17
dated [2] - 25:17, 
45:16
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 76 of 83

Davie [1] - 27:2
days [3] - 37:2, 
43:11, 44:18
deadline [2] - 25:10, 
35:20
December [9] - 23:4, 
23:22, 24:8, 25:18, 
28:24, 34:12, 34:16, 
34:18, 65:11
decide [1] - 30:9
declare [1] - 9:24
declaring [1] - 42:9
deduct [2] - 55:4, 
55:8
deduction [7] - 7:20, 
36:1, 54:8, 54:11, 
67:16, 67:17
deductions [1] - 41:4
defendant [6] - 1:8, 
30:10, 30:13, 30:15, 
30:17, 30:18
DEFENDANT [1] - 
1:21
defendant's [1] - 
30:4
defense [1] - 64:20
degrees [1] - 9:1
department [2] - 
4:17, 59:12
departments [1] - 
52:18
dependent [1] - 36:6
dependents [2] - 
31:5, 31:23
deposited [1] - 8:10
deposits [1] - 28:3
Depot [1] - 41:1
depreciation [3] - 
54:3, 54:8, 54:9
depth [2] - 23:12, 
23:15
deputy [4] - 10:10, 
14:17, 26:24, 61:21
derived [1] - 56:8
describe [8] - 3:25, 
4:9, 5:15, 7:8, 8:4, 
14:19, 15:19, 39:25
described [1] - 72:11
describing [1] - 25:3
Designee [1] - 8:13
designee [2] - 8:15, 
57:21
designee's [1] - 9:18
detail [2] - 44:9, 
71:23
details [1] - 56:15
determine [1] - 36:11
determined [1] - 
38:17
determining [1] - 
30:13
dictate [1] - 69:25
difference [1] - 52:14
different [4] - 15:11, 
20:3, 44:1, 52:18
digit [1] - 14:12
digital [3] - 56:5, 
56:7, 56:10
diligence [2] - 11:13, 
11:18
diligence's [1] - 
63:18
dimensions [1] - 
41:1
diploma [1] - 9:3
DIRECT [1] - 3:15
Direct [1] - 2:10
direct [2] - 8:10, 28:3
directly [1] - 30:5
disagree [1] - 37:25
disallowed [1] - 40:4
disclosed [1] - 15:15
disclosure [1] - 34:5
discuss [4] - 21:15, 
36:12, 44:3, 71:13
discussed [10] - 
14:3, 19:14, 24:2, 
26:8, 32:19, 34:10, 
42:10, 62:7, 63:22, 
63:25
discussing [4] - 
13:4, 24:5, 31:1, 
36:14
discussions [5] - 
8:17, 26:9, 55:7, 
57:24, 61:20
disregard [1] - 52:24
distinct [1] - 10:14
District [2] - 2:3, 
73:13
DISTRICT [3] - 1:1, 
1:1, 1:11
DIVISION [1] - 1:2
divisions [1] - 52:18
document [22] - 
6:25, 7:2, 11:12, 15:2, 
17:18, 18:8, 21:13, 
21:20, 22:24, 28:23, 
38:7, 38:12, 50:4, 
50:6, 55:22, 56:13, 
56:19, 56:25, 57:16, 
58:10, 59:20
documentation [4] - 
34:25, 35:9, 35:21, 
53:9
documents [22] - 
4:5, 4:23, 14:3, 25:11, 
25:12, 29:22, 34:9, 
34:17, 34:18, 34:20, 
35:17, 35:19, 35:24, 
36:19, 40:21, 43:21, 
49:14, 53:25, 54:1, 
56:23, 69:3, 69:10
Dog [2] - 12:16, 
13:20
DOJ [1] - 1:14
DOJ-USAO [1] - 1:14
dollars [1] - 47:14
done [4] - 41:6, 
59:12, 62:2, 62:5
double [6] - 53:19, 
54:15, 54:21, 62:6, 
67:6, 70:9
double-entered [1] - 
53:19
down [13] - 7:22, 8:1, 
8:12, 9:21, 10:13, 
14:18, 26:13, 31:12, 
31:22, 34:1, 54:19, 
55:25, 67:22
draw [2] - 23:20, 
31:21
drop [2] - 46:1, 66:16
due [16] - 11:13, 
11:18, 38:22, 38:23, 
39:14, 39:15, 44:5, 
44:18, 46:1, 47:9, 
47:20, 51:6, 59:3, 
63:18, 66:15, 71:14
duly [1] - 3:6
duplicated [2] - 35:2, 
35:4
during [3] - 47:25, 
72:14, 72:16
duties [1] - 3:25
E
earned [2] - 57:10, 
61:25
easier [1] - 45:21
East [1] - 1:15
easy [1] - 34:20
educated [1] - 52:24
education [2] - 8:24, 
55:15
effect [2] - 25:4, 47:5
effectively [1] - 
25:24
effort [1] - 35:18
EIC [1] - 11:16
EIN [1] - 11:4
either [3] - 8:21, 
51:12, 52:20
electronic [3] - 7:3, 
14:12, 64:11
electronically [7] - 
14:1, 14:9, 16:22, 
56:6, 56:9, 56:10, 
56:16
email [2] - 10:6, 29:9
emails [1] - 25:3
employer [2] - 11:6, 
12:19
enclosed [1] - 37:22
end [8] - 16:3, 28:12, 
32:1, 42:5, 43:8, 59:3, 
60:10, 60:12
ending [1] - 67:13
ends [1] - 36:8
engaged [1] - 30:10
ensure [1] - 26:9
enter [1] - 54:22
entered [4] - 28:20, 
33:15, 53:19, 53:22
entire [2] - 22:24, 
58:20
entitled [3] - 8:12, 
32:2, 73:9
entries [1] - 35:12
entry [40] - 22:23, 
22:25, 23:2, 23:20, 
23:21, 23:23, 25:14, 
25:17, 26:13, 28:16, 
34:10, 34:11, 34:15, 
35:13, 35:22, 36:15, 
37:1, 39:25, 40:6, 
40:10, 40:19, 40:23, 
40:24, 42:6, 42:25, 
43:2, 43:17, 43:24, 
49:19, 51:9, 51:10, 
54:15, 54:21, 62:6, 
64:21, 70:9, 71:9, 
72:9, 72:22
equally [1] - 55:3
Erin [1] - 36:7
erroneous [1] - 70:8
ESQ [3] - 1:14, 1:18, 
1:21
essence [2] - 32:13, 
61:12
established [1] - 
61:20
estate [6] - 35:2, 
61:22, 67:6, 68:8, 
68:19, 68:23
et [1] - 27:5
evaluated [2] - 41:2, 
44:15
evaluation [1] - 41:6
evidence [10] - 21:7, 
26:12, 30:2, 30:8, 
30:9, 30:11, 36:5, 
47:25, 53:1, 63:8
Evidence [4] - 6:17, 
6:18, 6:19, 21:9
evident [1] - 52:25
exactly [6] - 11:14, 
27:10, 37:8, 38:17, 
59:17, 63:10
 
4
exam [1] - 46:8
Examination [2] - 
38:8, 63:1
EXAMINATION [5] - 
3:15, 48:12, 63:13, 
69:8, 72:7
examination [12] - 
4:17, 26:4, 26:7, 
27:21, 37:22, 38:10, 
41:22, 46:20, 48:10, 
65:24, 67:7, 69:13
examined [2] - 3:7, 
9:24
examiner [6] - 22:16, 
26:25, 52:7, 52:13, 
52:15, 52:16
examining [1] - 22:1
example [4] - 17:12, 
19:4, 68:4, 70:8
excerpt [1] - 3:1
EXCERPT [1] - 1:10
excessive [1] - 38:18
excuse [4] - 12:3, 
35:1, 41:7
excused [1] - 73:2
executed [1] - 58:15
Exhibit [32] - 6:24, 
7:25, 8:2, 11:11, 
13:22, 14:4, 15:3, 
16:20, 19:10, 19:11, 
20:15, 21:2, 21:12, 
21:13, 21:18, 26:12, 
28:21, 30:25, 31:4, 
31:10, 33:23, 34:8, 
37:13, 38:4, 46:23, 
48:20, 63:16, 63:22, 
64:8, 66:8, 67:9
exhibit [1] - 63:4
exhibits [2] - 6:16, 
21:16
Exhibits [2] - 6:11, 
45:4
expense [3] - 13:14, 
41:3, 51:1
expenses [51] - 13:7, 
13:9, 13:10, 13:12, 
15:19, 15:20, 15:23, 
15:24, 18:14, 18:16, 
19:1, 19:17, 19:20, 
27:6, 27:9, 28:8, 28:9, 
31:13, 31:15, 31:23, 
31:24, 32:25, 33:24, 
34:2, 34:25, 35:5, 
40:5, 40:12, 41:7, 
41:9, 44:12, 44:13, 
46:9, 50:18, 55:4, 
55:9, 62:2, 65:13, 
65:18, 65:19, 67:18, 
67:19, 68:3, 68:11, 
68:14, 70:22, 71:3
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 77 of 83

explain [6] - 5:16, 
7:10, 8:14, 10:25, 
37:21, 42:12
explained [14] - 25:6, 
26:3, 26:6, 28:14, 
35:10, 42:8, 44:4, 
44:8, 44:14, 55:12, 
69:18, 70:25, 71:14, 
71:22
explaining [2] - 28:8, 
65:18
explanation [1] - 
34:23
eyes [1] - 59:22
F
F-8821 [1] - 24:23
fact [5] - 19:9, 46:4, 
46:17, 50:8, 66:19
facts [1] - 34:10
fair [1] - 51:4
faith [1] - 53:12
familiar [7] - 4:7, 
4:14, 5:21, 6:5, 22:13, 
50:25, 53:24
far [1] - 28:22
fax [4] - 34:19, 35:21, 
40:22, 40:25
faxed [6] - 24:1, 
25:12, 28:25, 29:2, 
31:18, 44:20
faxes [2] - 34:21, 
40:11
faxing [1] - 34:17
February [12] - 
10:12, 14:15, 17:22, 
32:16, 40:9, 40:20, 
40:25, 41:20, 49:19, 
64:16, 64:19, 72:9
felt [1] - 50:10
few [3] - 40:13, 
40:14, 42:5
field [2] - 52:5, 52:24
fifth [1] - 23:11
figure [3] - 27:9, 
27:11, 27:14
figured [1] - 65:13
figures [7] - 27:11, 
28:9, 44:16, 46:12, 
53:16, 65:19, 66:11
file [14] - 5:12, 5:18, 
5:20, 5:24, 7:3, 18:11, 
21:21, 29:23, 46:13, 
46:15, 46:17, 53:5, 
56:9, 69:19
filed [9] - 14:1, 
16:22, 18:4, 19:7, 
46:6, 56:6, 56:17, 
56:20, 66:20
files [1] - 20:12
filing [3] - 41:19, 
69:20, 69:24
fill [1] - 11:17
fills [1] - 70:4
final [2] - 40:21, 
42:20
financial [1] - 4:19
fine [1] - 19:6
firm [3] - 11:7, 16:16, 
18:4
firm's [4] - 11:4, 
11:6, 16:16, 18:2
first [17] - 18:7, 
21:11, 21:17, 22:23, 
22:24, 23:2, 36:18, 
37:20, 45:21, 55:19, 
55:24, 55:25, 66:9, 
71:1
five [3] - 14:12, 27:1, 
33:4
FL [3] - 1:16, 1:19, 
1:23
Floor [2] - 1:15, 
73:14
FLORIDA [1] - 1:1
Florida [8] - 1:4, 2:4, 
12:22, 15:13, 17:5, 
22:8, 37:19, 73:14
following [6] - 3:1, 
17:11, 17:16, 33:9, 
33:16, 65:22
follows [1] - 3:7
FOR [2] - 1:14, 1:21
foregoing [1] - 73:7
forgive [1] - 43:1
Form [25] - 5:16, 
5:17, 6:5, 7:3, 16:22, 
23:24, 24:1, 24:15, 
24:24, 25:4, 26:10, 
27:3, 37:4, 37:6, 38:6, 
40:2, 41:18, 42:14, 
43:6, 43:7, 58:6, 
64:24
form [21] - 4:11, 
5:24, 8:5, 10:15, 
11:21, 12:24, 13:1, 
13:19, 15:19, 16:24, 
17:10, 17:23, 29:4, 
31:2, 32:1, 38:1, 52:6, 
58:6, 58:8, 64:1
formal [1] - 8:23
Fort [2] - 1:23, 12:22
forth [2] - 22:18, 
49:16
forums [1] - 70:23
four [1] - 27:1
fourth [1] - 23:10
FPR [2] - 2:2, 73:12
FROM [1] - 1:10
frustrated [1] - 61:3
frustration [4] - 44:7, 
51:23, 71:20, 72:20
Ft [1] - 1:16
full [8] - 34:5, 43:11, 
59:3, 61:21, 62:9, 
62:10, 66:9, 66:13
fully [2] - 24:4, 40:18
function [2] - 24:2, 
50:21
future [2] - 28:14, 
46:17
G
G's [1] - 46:22
gas [1] - 27:5
general [3] - 4:16, 
12:5, 12:23
generally [1] - 25:22
generated [1] - 37:4
given [7] - 32:6, 
41:11, 44:9, 53:15, 
57:23, 58:7, 71:23
Government [4] - 
3:3, 6:10, 26:18, 
62:20
Government's [36] - 
6:11, 6:17, 6:18, 6:19, 
6:24, 11:11, 13:22, 
14:4, 15:3, 16:20, 
19:10, 19:11, 20:15, 
21:2, 21:8, 21:11, 
21:12, 21:18, 26:12, 
28:21, 30:24, 30:25, 
31:4, 31:10, 33:22, 
34:8, 37:13, 38:4, 
45:4, 48:20, 57:7, 
59:22, 63:22, 64:8, 
66:7, 67:8
gross [1] - 67:16
grounds [1] - 6:14
group [1] - 26:8
guess [3] - 23:7, 
42:3, 52:19
guy [1] - 62:25
H
H-E-R-N-A-N-D-E-Z 
[1] - 3:13
hand [1] - 26:17
handle [1] - 4:21
head [3] - 27:11, 
27:15, 69:24
hereby [1] - 73:7
HERNANDEZ [2] - 
1:10, 3:5
Hernandez [8] - 
2:11, 3:3, 3:12, 3:19, 
6:21, 6:23, 48:6, 
48:13
high [1] - 9:3
highlight [7] - 8:2, 
13:3, 19:12, 21:12, 
21:19, 35:13, 49:17
highlighted [1] - 
21:16
highlighting [2] - 
7:10, 26:22
History [1] - 48:23
history [2] - 21:21, 
28:16
hit [1] - 54:22
hitting [1] - 59:9
hmm [1] - 18:23
HOH [1] - 69:23
hold [1] - 61:16
Hollywood [1] - 
15:13
Home [1] - 41:1
home [4] - 27:5, 
36:6, 40:17, 41:2
Honor [17] - 6:13, 
6:22, 20:2, 21:1, 21:4, 
33:20, 48:4, 48:8, 
48:11, 62:12, 62:19, 
62:20, 63:12, 69:2, 
69:3, 72:4, 72:5
HONORABLE [1] - 
1:11
house [1] - 54:4
household [1] - 
69:24
hypothetically [1] - 
18:24
I
ID [1] - 12:19
identical [1] - 54:21
identification [3] - 
8:20, 11:2, 11:6
identified [1] - 40:12
IDRS [1] - 43:14
imagine [1] - 50:21
impetus [1] - 23:6
in-depth [1] - 23:15
inaccurate [2] - 
44:13, 53:16
Inc [6] - 9:20, 11:9, 
16:17, 18:3, 29:3, 
57:23
include [4] - 5:9, 
5:12, 13:1, 19:20
included [2] - 42:18, 
66:2
includes [1] - 29:15
including [3] - 6:14, 
21:5, 29:9
 
5
Income [1] - 38:8
income [31] - 4:7, 
7:4, 7:14, 7:24, 13:1, 
13:4, 13:5, 14:20, 
14:22, 15:15, 15:16, 
16:2, 16:4, 18:8, 
18:24, 19:4, 19:14, 
23:15, 36:1, 36:2, 
38:9, 41:4, 46:20, 
54:18, 57:10, 67:15, 
67:16, 68:1, 68:10
incorporated [1] - 
6:1
increase [1] - 36:3
incurred [1] - 60:11
indicate [2] - 68:10, 
70:17
indicated [2] - 47:15, 
51:6
indicates [2] - 36:9, 
57:9
indictment [4] - 
30:11, 30:15, 30:17, 
30:19
individual [8] - 4:18, 
5:17, 6:8, 7:3, 14:1, 
16:22, 18:16, 56:11
info [2] - 28:10, 
65:20
inform [1] - 56:15
information [23] - 
4:19, 4:20, 10:17, 
11:24, 12:7, 19:23, 
25:5, 29:5, 29:7, 
29:15, 29:18, 31:7, 
32:5, 32:6, 32:14, 
36:4, 36:5, 64:1, 64:3, 
64:7, 65:22, 66:4, 
70:5
initial [1] - 26:15
initiated [1] - 59:6
installment [3] - 
43:11, 44:19, 59:6
instance [7] - 8:7, 
9:18, 16:6, 17:18, 
19:25, 24:15, 37:8
instruction [1] - 30:2
instructions [1] - 
25:3
intent [1] - 30:14
intentional [1] - 
52:24
interact [1] - 58:11
interest [9] - 38:21, 
39:10, 60:17, 60:18, 
60:19, 60:22, 60:25, 
66:2
Internal [1] - 3:20
Internet [1] - 40:16
interrupted [1] - 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 78 of 83

29:25
interview [10] - 
23:16, 25:7, 25:14, 
25:15, 25:20, 26:15, 
26:17, 26:20, 26:23, 
65:9
interviewing [1] - 
25:2
interviews [1] - 
23:17
introduce [1] - 6:11
intuitive [1] - 17:10
investigation [1] - 
58:21
involved [1] - 56:15
IRS [25] - 4:14, 4:24, 
5:5, 8:16, 8:21, 11:19, 
19:23, 20:21, 20:23, 
28:5, 28:25, 38:17, 
38:25, 41:25, 46:19, 
49:5, 49:11, 50:1, 
50:22, 56:12, 58:11, 
59:13, 61:25, 65:24, 
70:23
IRS's [1] - 4:5
issue [4] - 6:8, 36:12, 
41:2, 41:19
issued [1] - 59:23
issues [3] - 24:3, 
36:1, 36:3
itemized [4] - 7:20, 
31:24, 34:2, 67:16
J
January [13] - 25:10, 
25:12, 35:14, 35:23, 
36:17, 37:2, 37:15, 
40:1, 42:16, 47:6, 
51:9, 51:10, 51:11
Jesus [2] - 16:15, 
27:17
job [1] - 50:20
joint [1] - 69:20
Jones [2] - 2:12, 
33:19
JONES [26] - 1:14, 
3:3, 3:16, 6:10, 6:20, 
20:2, 20:6, 20:7, 21:1, 
21:10, 29:21, 29:24, 
30:22, 30:23, 32:12, 
33:20, 33:21, 48:4, 
48:5, 62:19, 63:12, 
63:14, 69:2, 72:5, 
72:8, 72:25
JUDGE [1] - 1:11
June [1] - 1:5
jury [11] - 3:1, 3:25, 
4:10, 26:14, 26:23, 
30:1, 33:7, 33:8, 
33:13, 33:14, 33:15
JURY [1] - 1:10
K
Kampmeyer [4] - 
22:4, 45:11, 45:12, 
52:7
keep [5] - 20:4, 20:5, 
36:23, 63:5, 69:23
kept [3] - 4:5, 4:25, 
20:20
kind [1] - 8:18
knowledge [4] - 
10:1, 45:25, 51:2, 
66:15
L
labeled [2] - 8:3, 
43:21
last [4] - 3:11, 18:5, 
34:8, 65:17
Lauderdale [3] - 
1:16, 1:23, 12:22
law [7] - 4:20, 46:15, 
46:17, 50:24, 50:25, 
51:3, 70:24
Law [1] - 1:22
lawyer [1] - 58:16
layman's [1] - 4:4
lead [2] - 35:25, 41:3
learned [4] - 50:17, 
55:15, 70:21, 70:22
learns [1] - 71:1
lease [1] - 15:21
least [1] - 9:6
leave [1] - 28:13
left [4] - 33:8, 33:22, 
34:9, 34:16
letter [24] - 27:19, 
37:2, 37:3, 37:4, 37:6, 
37:8, 37:10, 37:14, 
37:16, 38:1, 41:18, 
42:14, 42:16, 44:20, 
44:24, 44:25, 46:19, 
58:22, 60:7, 66:22
letters [1] - 71:3
level [2] - 42:3, 67:22
licenses [2] - 13:11, 
36:3
likewise [3] - 31:18, 
32:19, 68:17
limited [6] - 24:19, 
24:24, 30:3, 30:8, 
30:12, 64:24
limits [1] - 61:13
line [12] - 7:18, 
11:23, 13:13, 13:16, 
13:17, 14:21, 15:23, 
20:3, 39:3, 39:13, 
59:25, 68:5
listed [24] - 10:9, 
12:14, 12:19, 13:5, 
13:9, 14:18, 15:6, 
15:19, 16:14, 17:23, 
18:14, 19:14, 21:22, 
23:5, 26:16, 31:8, 
31:15, 31:23, 31:24, 
32:25, 33:24, 64:1, 
64:17, 68:3
listing [1] - 31:4
lists [2] - 15:8, 19:17
LLC [3] - 12:16, 
13:20, 15:7
logs [1] - 34:24
look [2] - 31:13, 
38:19
looking [9] - 8:4, 
19:10, 49:19, 55:18, 
55:21, 56:13, 56:19, 
56:24, 57:16
looks [3] - 47:14, 
51:11, 52:13
loss [10] - 7:17, 
13:17, 13:18, 14:22, 
14:23, 15:25, 16:6, 
18:21, 19:3
losses [5] - 5:24, 
16:1, 18:19, 18:22, 
18:25
lost [3] - 13:20, 19:5, 
61:18
Louis [27] - 10:19, 
11:7, 23:25, 25:5, 
25:6, 26:2, 27:1, 
27:16, 44:15, 45:23, 
46:3, 46:5, 46:11, 
46:13, 49:20, 53:4, 
53:16, 58:20, 61:8, 
61:13, 65:16, 66:10, 
66:18, 66:19, 69:15, 
72:12, 72:14
LOVE [1] - 1:18
lower [1] - 16:4
lozenges [1] - 45:5
M
mail [4] - 8:21, 22:21, 
38:2, 39:23
mailed [6] - 37:4, 
37:6, 37:16, 38:1, 
39:23, 44:23
maintained [1] - 50:1
maintenance [2] - 
15:22, 68:7
manager [2] - 26:9, 
37:2
March [9] - 42:7, 
42:22, 43:3, 43:18, 
44:2, 45:9, 45:19, 
71:12, 72:22
marked [2] - 21:2, 
26:11
marriage [3] - 36:5, 
36:9
married [7] - 46:14, 
46:15, 46:17, 50:8, 
69:20, 69:24
match [1] - 46:9
matched [3] - 33:24, 
64:3, 64:7
matching [1] - 33:1
math [1] - 39:19
matter [3] - 46:4, 
66:19, 73:9
meals [2] - 13:12, 
15:23
mean [6] - 7:16, 
54:11, 58:4, 60:1, 
60:4, 67:21
meaning [1] - 52:23
means [2] - 51:15, 
60:5
meant [1] - 23:6
Medina [2] - 16:15, 
27:17
members [1] - 30:1
memorialize [1] - 
50:2
memorialized [3] - 
50:6, 61:3, 71:6
mentioned [7] - 
10:20, 20:8, 39:23, 
41:21, 58:24, 61:7, 
67:5
message [1] - 34:16
MFJ [1] - 69:19
MFS [1] - 69:23
MIAMI [1] - 1:2
Miami [6] - 1:4, 1:19, 
2:4, 2:4, 73:13, 73:14
mileage [9] - 34:23, 
35:5, 50:17, 50:25, 
55:5, 55:9, 62:6, 
70:22, 71:3
Miller [1] - 26:9
mind [2] - 30:13, 
63:7
minutes [3] - 33:4, 
33:6, 33:12
miscellaneous [1] - 
27:3
miss [1] - 3:19
missed [1] - 44:12
missing [1] - 35:9
mistake [4] - 30:20, 
54:24, 70:11, 70:13
mistaken [2] - 71:2
 
6
modified [1] - 41:4
moment [2] - 48:4, 
55:3
Monday [1] - 24:5
money [2] - 18:17, 
38:25
monies [1] - 5:19
month [1] - 58:25
monthly [1] - 59:15
morning [5] - 3:17, 
3:18, 33:3, 48:13, 
48:14
mother [1] - 36:6
motive [1] - 30:15
move [5] - 6:11, 8:1, 
9:21, 21:1, 57:5
moving [2] - 7:22, 
14:18
MR [40] - 3:3, 3:16, 
6:10, 6:13, 6:20, 20:2, 
20:6, 20:7, 21:1, 21:4, 
21:10, 29:21, 29:24, 
30:22, 30:23, 32:10, 
32:12, 33:21, 48:4, 
48:5, 48:11, 54:10, 
54:12, 62:12, 62:14, 
62:19, 62:20, 62:24, 
63:2, 63:6, 63:10, 
63:12, 63:14, 69:2, 
69:3, 69:7, 69:9, 72:5, 
72:8, 72:25
must [6] - 30:9, 
34:23, 41:13, 42:12, 
50:21, 69:19
N
name [9] - 3:10, 
3:11, 3:12, 9:18, 
10:18, 11:7, 16:16, 
18:2, 22:1
nature [1] - 44:11
necessary [3] - 26:3, 
30:14, 36:12
need [5] - 8:23, 9:1, 
29:22, 36:24, 46:15
needed [5] - 8:17, 
28:15, 46:13, 57:24, 
58:24
needs [2] - 24:4, 
34:23
negative [2] - 7:15, 
7:16
never [8] - 50:17, 
55:12, 55:15, 60:17, 
60:19, 63:7, 70:21, 
70:22
new [7] - 23:25, 25:3, 
35:21, 36:1, 36:3, 
36:11, 41:19
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 79 of 83

news [1] - 21:14
next [12] - 9:22, 
23:20, 25:17, 26:3, 
26:6, 35:22, 37:1, 
39:25, 40:23, 43:17, 
68:6
NO [1] - 1:2
noon [1] - 24:8
normal [1] - 50:2
North [2] - 2:4, 73:13
Northwest [5] - 
12:22, 15:13, 17:5, 
22:8, 37:19
notated [1] - 71:8
notation [1] - 55:14
note [4] - 43:15, 
49:19, 52:1, 72:2
notes [15] - 26:15, 
36:21, 49:24, 52:11, 
52:20, 53:3, 54:25, 
55:1, 55:8, 59:8, 61:2, 
61:7, 61:11, 65:6, 
72:11
nothing [2] - 62:15, 
72:4
notice [1] - 58:14
noticed [2] - 46:6, 
66:20
notices [1] - 58:17
number [20] - 7:19, 
7:22, 8:20, 9:16, 
10:24, 11:2, 11:6, 
12:17, 12:19, 15:8, 
15:9, 17:1, 22:9, 
22:19, 25:9, 29:12, 
38:19, 38:21, 56:10, 
68:5
numbers [5] - 7:9, 
9:12, 56:11, 67:18, 
70:4
O
objection [3] - 6:12, 
6:14, 32:10
objections [3] - 6:16, 
21:5, 21:7
obtained [3] - 11:25, 
12:3, 66:4
occupation [2] - 
10:9, 14:16
October [1] - 35:20
odometer [1] - 34:24
OF [3] - 1:1, 1:4, 1:10
offense [1] - 30:6
office [5] - 27:2, 
27:5, 41:1, 41:2, 51:6
Office [2] - 1:18, 
20:24
officer [35] - 22:1, 
25:1, 25:7, 25:25, 
26:3, 26:6, 28:13, 
35:8, 35:10, 35:20, 
36:10, 36:11, 41:13, 
41:17, 42:13, 43:6, 
44:3, 44:4, 44:8, 
44:23, 49:21, 50:4, 
51:24, 52:5, 52:12, 
52:17, 61:6, 61:12, 
69:18, 70:20, 70:25, 
71:13, 71:20, 71:22
OFFICER [3] - 33:7, 
33:10, 33:14
Offices [1] - 1:22
Official [1] - 73:12
official [2] - 2:3, 50:1
offset [2] - 16:2, 19:3
once [2] - 58:14, 
59:10
one [35] - 9:20, 12:6, 
13:3, 15:6, 16:13, 
19:9, 19:14, 19:19, 
20:15, 23:5, 27:7, 
30:5, 33:1, 34:5, 
35:12, 35:18, 38:23, 
43:23, 46:6, 48:4, 
49:7, 49:11, 52:3, 
53:23, 54:5, 54:15, 
55:5, 56:16, 61:17, 
61:19, 62:22, 63:7, 
66:21, 67:9, 70:25
ongoing [1] - 42:23
online [3] - 8:21, 
59:14, 59:15
opportunity [1] - 
30:16
opposed [2] - 55:9, 
59:9
oral [2] - 44:21, 
52:25
order [1] - 9:14
ordinary [2] - 4:5, 
20:20
organized [1] - 34:19
outside [1] - 50:20
overpayment [1] - 
8:6
overrule [2] - 6:15, 
21:6
overruled [1] - 32:11
owed [3] - 38:25, 
42:18, 60:21
own [4] - 41:25, 61:4, 
66:25, 71:25
owner [1] - 36:6
owns [1] - 6:4
P
P.A [1] - 1:22
pack [1] - 45:5
packages [1] - 40:3
Page [12] - 11:10, 
12:9, 15:2, 19:11, 
26:14, 33:23, 40:6, 
40:7, 43:1, 63:17
page [11] - 8:1, 16:9, 
21:11, 43:1, 48:18, 
55:19, 55:24, 55:25, 
57:15, 62:21
Pages [1] - 1:8
pages [4] - 18:7, 
21:15, 34:22, 42:25
paid [13] - 10:16, 
11:13, 16:13, 16:15, 
28:2, 48:1, 59:3, 
60:17, 60:21, 62:3, 
62:9, 62:10, 63:18
paper [1] - 9:12
paperwork [5] - 
27:12, 46:2, 61:18, 
62:25, 66:16
paragraph [1] - 27:7
part [14] - 8:5, 13:3, 
19:14, 19:17, 19:19, 
27:25, 30:5, 35:19, 
50:13, 54:2, 57:21, 
61:21, 69:13
part-time [1] - 61:21
partners [1] - 15:7
Party [1] - 8:13
party [3] - 8:15, 8:16, 
57:21
pay [5] - 43:10, 
44:18, 60:3, 60:6, 
60:10
payers [1] - 5:18
paying [1] - 59:10
payment [7] - 43:9, 
44:17, 58:25, 59:8, 
59:11, 59:16, 59:17
penalties [19] - 9:24, 
38:21, 39:4, 42:1, 
42:9, 44:21, 44:23, 
46:20, 47:17, 59:25, 
60:1, 60:2, 60:4, 60:8, 
60:11, 65:5, 66:2, 
66:23, 66:25
penalty [6] - 41:12, 
41:21, 41:23, 53:15, 
60:3, 65:6
people [3] - 9:12, 
9:13, 52:17
per [1] - 60:7
period [3] - 47:3, 
51:12, 67:13
periods [1] - 37:23
perjury [1] - 9:24
permission [2] - 
8:16, 57:23
person [11] - 6:3, 
6:7, 6:9, 9:16, 55:23, 
56:20, 58:11, 58:15, 
59:9, 70:3
personal [2] - 19:4, 
29:7
phone [3] - 22:19, 
25:7, 25:9
Phyllis [4] - 22:4, 
45:11, 45:12, 52:7
PIN [4] - 9:19, 14:12, 
56:10, 56:11
pivot [1] - 20:2
placed [2] - 44:15, 
53:16
Plaintiff [1] - 1:5
PLAINTIFF [1] - 1:14
plan [7] - 30:17, 
58:25, 59:6, 59:8, 
59:11, 59:16, 59:17
plans [1] - 35:18
POA [6] - 24:11, 
24:24, 35:2, 35:4, 
43:20, 51:21
point [4] - 24:10, 
42:22, 55:21, 71:25
pointing [2] - 44:12, 
54:11
points [1] - 70:20
portion [3] - 45:21, 
61:11, 64:23
portions [1] - 21:15
portraying [1] - 29:5
possible [2] - 40:18, 
41:16
post [2] - 43:15, 46:7
power [51] - 23:25, 
24:2, 24:3, 24:6, 
24:16, 24:19, 24:24, 
24:25, 25:9, 25:11, 
34:16, 34:19, 34:22, 
35:4, 35:6, 35:8, 
35:16, 35:20, 36:19, 
37:6, 40:1, 40:3, 
40:14, 40:16, 40:20, 
41:1, 41:5, 41:9, 
41:12, 41:15, 42:7, 
42:11, 43:7, 43:10, 
43:22, 44:24, 51:21, 
58:2, 58:4, 58:14, 
58:16, 64:20, 64:24, 
69:15, 69:25, 70:21, 
71:16, 72:1, 72:15, 
72:23
Power [2] - 41:6, 
43:5
pre [1] - 46:7
preparation [3] - 5:5, 
20:17, 30:18
preparations [1] - 
 
7
46:18
prepare [2] - 27:1, 
45:24
prepared [10] - 
16:18, 17:11, 17:13, 
24:4, 26:1, 35:25, 
41:3, 43:15, 43:20, 
44:23
preparer [49] - 8:16, 
8:18, 8:19, 8:20, 8:22, 
9:14, 10:3, 10:16, 
11:2, 11:21, 16:13, 
16:15, 17:23, 24:1, 
26:1, 26:8, 26:10, 
27:9, 27:20, 27:23, 
28:5, 28:10, 28:17, 
35:18, 36:22, 44:14, 
44:22, 45:22, 46:5, 
46:6, 50:3, 51:19, 
53:5, 53:8, 53:9, 58:7, 
58:10, 63:20, 65:13, 
65:21, 66:20, 70:1, 
70:3, 71:1, 71:16, 
72:12, 72:16, 72:19
preparer's [5] - 
10:17, 10:18, 11:13, 
14:7, 63:18
preparer/power [1] - 
44:6
preparers [1] - 11:17
preparing [1] - 43:13
present [1] - 50:9
presumptively [1] - 
70:6
pretty [2] - 27:13, 
27:15
previous [1] - 45:24
previously [6] - 6:13, 
20:8, 21:4, 29:9, 
48:19, 57:6
principal [2] - 12:14, 
15:6
principles [1] - 50:22
prints [1] - 43:14
probe [1] - 23:15
problem [2] - 51:4, 
54:2
procedure [1] - 25:2
proceedings [4] - 
3:1, 33:9, 33:16, 73:8
process [1] - 58:20
produced [4] - 
26:18, 46:11, 65:2, 
66:10
profession [1] - 
12:14
profit [4] - 5:24, 
13:17, 15:25, 18:21
proper [1] - 11:17
property [6] - 15:21, 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 80 of 83

53:20, 53:22, 54:3, 
54:16, 70:9
proprietors [1] - 6:3
provide [9] - 4:20, 
10:16, 25:5, 25:11, 
34:23, 34:24, 35:10, 
35:17, 70:9
provided [11] - 8:11, 
11:25, 20:23, 25:9, 
36:4, 37:2, 53:1, 53:8, 
53:9, 67:3, 70:5
provides [1] - 56:10
providing [1] - 6:7
PTIN [3] - 9:15, 
10:21, 10:24
public [1] - 9:8
publication [1] - 37:5
pull [1] - 37:13
pulled [1] - 63:6
pulling [1] - 8:3
purchases [1] - 27:4
purportedly [3] - 
11:7, 18:4, 31:3
purpose [3] - 30:3, 
30:8, 30:12
purposes [2] - 22:16, 
24:19
put [4] - 14:13, 49:4, 
52:5, 56:11
puts [2] - 27:14, 70:4
Q
qualified [4] - 36:1, 
41:4, 67:16, 67:19
questioned [1] - 
44:13
questioning [1] - 
20:3
Questionnaire [1] - 
32:2
questionnaire [6] - 
29:6, 31:19, 31:22, 
32:6, 32:19, 63:23
questions [11] - 
11:18, 24:5, 26:2, 
26:15, 27:25, 28:6, 
28:14, 48:8, 49:14, 
69:2, 72:25
quickly [1] - 12:9
R
reach [1] - 22:17
reaching [1] - 61:8
read [12] - 11:23, 
22:11, 25:23, 26:23, 
36:24, 37:24, 43:4, 
45:21, 55:11, 55:14, 
56:13, 70:23
readings [1] - 34:24
ready [1] - 3:10
real [6] - 35:2, 61:21, 
67:6, 68:8, 68:19, 
68:23
really [1] - 27:10
Realty [1] - 15:7
reasonable [2] - 
42:10
reasonably [2] - 
11:25, 12:3
recap [1] - 41:4
receipts [2] - 27:4, 
27:5
received [26] - 4:12, 
5:19, 6:17, 6:18, 6:19, 
21:7, 21:8, 23:24, 
27:18, 28:3, 31:2, 
32:20, 34:18, 34:21, 
35:23, 36:19, 40:2, 
40:9, 40:11, 40:25, 
42:8, 42:15, 43:21, 
50:21
receiving [1] - 65:22
recess [1] - 33:3
recognize [7] - 6:25, 
12:10, 13:23, 38:5, 
46:24, 57:13, 59:20
record [8] - 12:9, 
20:20, 28:22, 32:24, 
50:1, 50:19, 51:5, 
51:8
recorded [1] - 69:12
records [27] - 4:3, 
4:25, 5:6, 5:9, 5:12, 
5:15, 20:8, 26:5, 26:7, 
28:17, 29:10, 29:13, 
40:4, 44:10, 44:15, 
45:2, 50:11, 50:14, 
50:16, 56:14, 56:24, 
65:1, 65:23, 67:3, 
70:13, 70:17, 71:23
RECROSS [1] - 69:8
RECROSS-
EXAMINATION [1] - 
69:8
Red [1] - 2:10
redact [1] - 29:22
redacted [1] - 64:23
redaction [1] - 49:9
redactions [3] - 49:2, 
49:4, 65:1
redirect [1] - 62:18
REDIRECT [2] - 
63:13, 72:7
reducing [1] - 16:3
reference [3] - 18:7, 
44:1, 55:15
referenced [6] - 
23:6, 23:7, 25:19, 
28:16, 41:22, 44:25
references [1] - 
25:14
referencing [1] - 
56:23
referring [1] - 52:9
refers [2] - 14:24, 
26:13
reflect [5] - 28:22, 
38:12, 70:13, 72:11, 
72:16
reflected [1] - 34:3
refund [4] - 8:3, 8:5, 
16:10, 39:14
refunds [1] - 29:19
regarding [4] - 14:6, 
25:19, 31:12, 42:9
regulations [1] - 
52:25
reiterated [2] - 28:9, 
65:19
related [4] - 5:6, 
5:12, 20:9, 53:1
relating [1] - 34:21
relied [1] - 53:4
remarks [5] - 23:5, 
23:24, 35:15, 43:19, 
44:1
remember [4] - 
27:18, 30:1, 69:11, 
69:13
renew [2] - 6:13, 
21:4
rent [1] - 15:21
reopen [1] - 69:4
repairs [2] - 15:22, 
68:7
repeat [1] - 55:6
rephrase [1] - 49:25
Report [2] - 38:8, 
48:23
report [16] - 18:16, 
18:21, 21:21, 28:16, 
37:22, 37:24, 47:2, 
47:5, 47:8, 54:1, 
65:24, 66:2, 67:7, 
71:6
reported [9] - 7:12, 
7:15, 7:16, 19:1, 19:3, 
54:25, 57:10, 61:25, 
62:3
REPORTED [1] - 2:1
Reporter [2] - 2:3, 
73:12
reporting [2] - 12:24, 
67:6
reports [1] - 53:23
represent [10] - 4:2, 
8:9, 14:11, 14:21, 
22:24, 23:23, 34:13, 
38:20, 67:13, 67:19
representation [3] - 
24:25, 61:14, 64:25
represented [1] - 
17:18
representing [1] - 
25:24
represents [1] - 
13:19
request [4] - 59:8, 
60:7, 65:3, 66:22
requested [5] - 8:6, 
8:10, 11:15, 53:9, 
53:15
requesting [1] - 
44:20
requirement [1] - 9:5
response [6] - 43:20, 
44:5, 65:2, 66:22, 
71:15, 72:23
responsibilities [1] - 
4:1
responsible [3] - 4:4, 
12:7, 19:22
result [2] - 46:19, 
54:18
resulted [2] - 16:9, 
16:10
return [61] - 5:17, 
7:4, 8:17, 9:14, 9:25, 
11:24, 12:7, 14:2, 
14:25, 15:14, 16:18, 
16:23, 17:13, 24:1, 
26:1, 26:8, 26:10, 
27:9, 27:17, 27:20, 
27:23, 28:5, 28:10, 
28:18, 31:3, 31:16, 
32:8, 32:25, 33:25, 
34:3, 35:17, 44:6, 
44:7, 44:14, 44:22, 
46:2, 46:4, 51:18, 
51:23, 53:5, 53:12, 
55:18, 56:6, 56:9, 
56:20, 57:1, 57:24, 
63:17, 64:4, 64:18, 
65:13, 65:20, 66:17, 
66:18, 68:11, 70:1, 
70:3, 70:4, 71:1, 
71:16, 71:17
returns [26] - 4:7, 
4:11, 4:22, 5:9, 5:18, 
17:15, 18:5, 20:9, 
20:10, 24:4, 26:1, 
27:1, 27:18, 27:19, 
27:24, 30:4, 38:13, 
46:7, 46:9, 46:12, 
49:22, 54:15, 63:15, 
66:11, 71:4
revenue [3] - 18:25, 
25:2, 26:24
 
8
Revenue [1] - 3:20
reversed [1] - 60:8
review [14] - 4:18, 
4:19, 5:1, 5:5, 20:12, 
24:3, 24:4, 26:5, 26:7, 
34:2, 35:11, 40:17, 
41:25, 47:25
Review [1] - 32:2
reviewed [11] - 
18:11, 20:17, 25:2, 
27:19, 32:24, 34:21, 
35:24, 36:4, 40:12, 
46:7, 70:24
reviewing [1] - 40:4
rid [1] - 60:17
right-hand [1] - 
26:17
rise [3] - 33:7, 33:10, 
33:14
role [2] - 4:3, 4:21
RONALD [1] - 1:11
roughly [1] - 39:21
RP [1] - 51:18
RPR [2] - 2:2, 73:12
rules [2] - 35:7, 
52:25
S
S300 [1] - 37:3
salaries [1] - 7:11
sat [2] - 27:16, 65:16
saw [4] - 18:22, 20:9, 
24:9, 55:3
Schedule [40] - 5:21, 
7:14, 12:11, 12:12, 
12:23, 14:18, 14:19, 
14:20, 14:22, 14:24, 
15:3, 15:14, 15:16, 
15:18, 16:1, 18:16, 
18:21, 19:1, 19:3, 
19:6, 27:6, 27:15, 
28:8, 32:25, 33:24, 
35:1, 35:3, 35:5, 41:3, 
44:14, 44:16, 53:17, 
61:24, 65:18, 65:20, 
67:15, 68:14
schedule [6] - 18:12, 
28:10, 46:1, 64:4, 
66:16, 68:5
schedules [1] - 9:25
school [1] - 9:3
SCOLA [1] - 1:11
screen [1] - 30:24
scroll [2] - 12:9, 18:9
scrolling [1] - 31:12
seat [1] - 3:9
seated [2] - 33:11, 
33:18
second [10] - 8:1, 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 81 of 83

16:9, 17:7, 48:16, 
48:17, 57:15, 57:25, 
61:17, 62:12, 65:15
section [28] - 7:9, 
8:2, 8:3, 8:12, 9:21, 
10:3, 10:13, 13:3, 
13:4, 13:7, 13:9, 
15:15, 16:14, 17:6, 
19:12, 21:19, 23:10, 
24:22, 25:17, 26:13, 
31:4, 31:12, 32:1, 
37:20, 38:19, 43:4, 
47:15
sections [2] - 23:5, 
23:7
secure [2] - 35:19, 
43:7
secured [1] - 43:14
SECURITY [3] - 33:7, 
33:10, 33:14
security [5] - 12:17, 
15:8, 15:9, 17:1, 
29:12
see [27] - 4:19, 
19:12, 23:10, 27:8, 
31:5, 33:4, 45:20, 
46:8, 48:21, 48:25, 
49:9, 49:21, 50:7, 
52:4, 52:9, 55:17, 
55:19, 56:4, 57:2, 
57:7, 57:9, 57:18, 
59:8, 59:25, 60:13, 
60:15, 69:16
seeing [2] - 7:9, 
26:14
send [2] - 28:17, 
41:15
sending [2] - 41:18, 
42:14
sense [2] - 12:5, 
66:14
sent [9] - 4:12, 6:6, 
34:23, 35:24, 37:12, 
42:16, 47:6, 58:17, 
65:24
sentence [7] - 23:11, 
36:18, 65:15, 65:17, 
66:9, 66:12, 66:13
sentences [1] - 
28:12
separate [4] - 21:16, 
52:17, 69:24
separately [1] - 25:8
service [1] - 6:8
Service [1] - 3:20
session [1] - 26:22
set [6] - 25:10, 35:20, 
43:11, 44:19, 48:16, 
59:16
several [1] - 45:23
SHARON [2] - 2:2, 
73:12
sharon_pellvelazco
@flsd.uscourts.gov 
[1] - 2:5
sheet [1] - 65:6
sheets [2] - 35:25, 
41:3
show [7] - 13:22, 
28:20, 31:4, 38:4, 
45:4, 66:7, 67:7
showing [12] - 11:10, 
15:2, 16:20, 21:11, 
21:18, 26:11, 30:24, 
37:23, 46:22, 48:19, 
57:6, 63:4
shown [2] - 6:23, 
37:23
side [3] - 26:11, 
26:25
sidetracked [1] - 
7:25
sign [6] - 9:22, 43:6, 
46:2, 56:1, 58:9, 
66:17
signature [12] - 
10:11, 14:6, 14:7, 
14:8, 14:9, 14:12, 
14:14, 55:22, 56:5, 
56:8, 57:17, 64:11
signatures [1] - 
63:15
signed [20] - 14:9, 
17:19, 27:17, 28:4, 
32:17, 34:5, 37:3, 
43:7, 43:20, 45:16, 
57:2, 57:3, 57:18, 
57:19, 57:20, 58:1, 
58:7, 64:9
signify [1] - 37:11
SILBER [17] - 1:21, 
6:13, 21:4, 32:10, 
48:11, 54:10, 54:12, 
62:12, 62:14, 62:20, 
62:24, 63:2, 63:6, 
63:10, 69:3, 69:7, 
69:9
Silber [6] - 1:22, 
2:12, 65:5, 67:5, 72:9, 
72:19
silberlaw@gmail.
com [1] - 1:23
simple [1] - 8:23
simply [1] - 27:20
single [5] - 6:3, 
46:13, 49:22, 50:7, 
69:17
sit [2] - 46:3, 66:18
six [1] - 56:11
sixth [1] - 23:11
skipped [1] - 16:13
social [5] - 12:17, 
15:8, 15:9, 17:1, 
29:12
sole [1] - 6:3
solicited [2] - 43:9, 
44:17
someone [3] - 8:19, 
54:21, 58:9
soon [2] - 40:18, 
41:16
sorry [19] - 12:4, 
14:10, 19:5, 40:23, 
43:4, 43:16, 45:5, 
47:21, 52:3, 53:22, 
54:10, 55:6, 55:17, 
59:22, 61:17, 61:18, 
63:6, 67:21, 68:16
sounds [1] - 8:23
source [1] - 34:24
South [1] - 1:22
SOUTHERN [1] - 1:1
specific [3] - 5:20, 
38:14, 58:19
specifically [2] - 
46:4, 66:19
speculation [1] - 
32:10
spell [1] - 3:10
spend [1] - 7:7
spent [1] - 27:11
split [1] - 30:24
St [27] - 10:19, 11:7, 
23:25, 25:5, 25:6, 
26:2, 27:1, 27:16, 
44:15, 45:23, 46:3, 
46:5, 46:11, 46:13, 
49:20, 53:4, 53:16, 
58:20, 61:8, 61:13, 
65:16, 66:10, 66:18, 
66:19, 69:15, 72:12, 
72:14
stand [4] - 11:1, 
23:8, 39:19, 69:19
standard [1] - 7:20
start [1] - 66:13
started [1] - 23:1
starting [1] - 23:11
starts [1] - 40:6
state [6] - 3:10, 
30:13, 34:15, 47:1, 
65:12, 65:15
statement [11] - 6:6, 
9:22, 40:18, 41:14, 
41:16, 41:17, 42:8, 
42:13, 42:18, 44:25, 
47:18
statements [10] - 
9:25, 27:5, 40:9, 
40:11, 41:2, 45:24, 
46:8, 46:10, 50:3, 
67:1
states [8] - 26:7, 
28:5, 35:6, 35:8, 
42:11, 43:10, 51:8, 
72:22
STATES [3] - 1:1, 
1:4, 1:11
States [3] - 2:3, 65:2, 
73:13
stating [4] - 32:14, 
34:17, 34:22, 72:19
status [1] - 41:19
STENOGRAPHICA
LLY [1] - 2:1
step [1] - 58:21
steps [2] - 26:3, 26:6
sticker [1] - 48:21
still [6] - 7:25, 19:20, 
25:5, 29:20, 33:12, 
42:22
stop [1] - 25:1
studied [1] - 69:12
stuff [1] - 50:23
submit [2] - 41:13, 
59:15
submitted [8] - 
11:19, 19:23, 26:10, 
44:10, 56:25, 57:1, 
57:17, 60:8
subsection [3] - 
39:3, 39:9, 68:4
subsets [1] - 21:3
substantiate [1] - 
34:25
substantiated [2] - 
41:7, 41:10
substantiating [2] - 
34:20, 67:3
substantiation [2] - 
35:19, 40:4
substantive [1] - 
26:22
subtract [1] - 13:17
Suite [1] - 1:15
sum [1] - 13:19
summarize [1] - 
25:23
summary [2] - 38:21, 
47:8
SunTrust [3] - 29:21, 
40:9, 40:11
superseding [4] - 
30:11, 30:15, 30:16, 
30:19
supplies [4] - 13:11, 
15:22, 27:5, 68:17
supported [1] - 
67:20
supporting [2] - 
 
9
28:17, 65:23
Susan [1] - 26:9
sworn [1] - 3:6
systems [1] - 4:25
T
Tamarac [3] - 17:5, 
22:8, 37:19
tax [121] - 4:7, 4:11, 
4:20, 4:22, 5:6, 5:9, 
5:13, 5:17, 5:18, 7:4, 
8:17, 8:18, 8:20, 11:2, 
11:15, 11:21, 11:24, 
12:7, 14:1, 14:7, 
15:14, 16:4, 16:22, 
17:8, 17:11, 17:13, 
18:5, 20:9, 20:10, 
21:25, 25:1, 25:5, 
25:7, 25:25, 26:3, 
26:6, 28:13, 28:17, 
30:4, 30:7, 31:3, 
31:16, 32:8, 32:24, 
33:25, 34:3, 35:6, 
35:8, 35:10, 35:19, 
36:9, 36:22, 37:23, 
38:9, 38:13, 38:16, 
39:15, 39:17, 41:13, 
41:17, 41:22, 42:13, 
43:5, 44:2, 44:4, 44:8, 
44:22, 45:22, 46:4, 
46:7, 46:9, 46:15, 
46:17, 46:20, 49:20, 
50:3, 50:4, 50:22, 
50:24, 51:3, 51:24, 
52:5, 52:11, 52:16, 
53:12, 53:20, 53:22, 
54:4, 58:10, 58:19, 
59:3, 60:21, 60:24, 
61:6, 61:12, 62:7, 
62:9, 63:15, 63:17, 
64:4, 64:17, 66:18, 
69:18, 70:4, 70:20, 
70:23, 70:25, 71:6, 
71:13, 71:20, 71:22, 
72:11, 72:16, 72:19
Tax [8] - 9:20, 11:9, 
16:17, 18:3, 29:3, 
36:11, 38:8, 57:23
tax-law [1] - 51:3
taxable [3] - 7:24, 
16:3, 54:18
taxes [18] - 5:20, 
13:11, 35:2, 36:3, 
38:21, 38:22, 39:1, 
45:24, 46:6, 52:24, 
54:3, 54:16, 65:23, 
66:21, 68:8, 68:19, 
68:23, 70:9
Taxes [2] - 31:18, 
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 82 of 83

45:23
Taxpayer [2] - 26:2, 
32:2
taxpayer [92] - 8:15, 
10:4, 10:5, 10:7, 
10:14, 11:25, 12:3, 
12:6, 14:13, 16:2, 
19:24, 19:25, 22:5, 
22:17, 23:9, 24:3, 
24:13, 25:2, 25:6, 
25:7, 25:10, 25:15, 
26:25, 27:2, 27:23, 
28:3, 28:4, 28:5, 28:9, 
28:15, 29:6, 32:17, 
32:22, 34:23, 35:10, 
35:16, 35:24, 36:2, 
36:10, 36:14, 36:19, 
36:22, 37:5, 37:12, 
40:2, 40:3, 40:12, 
40:17, 40:21, 41:7, 
41:10, 41:13, 41:15, 
41:19, 42:9, 42:12, 
43:6, 43:10, 43:11, 
43:20, 43:21, 44:2, 
44:5, 44:11, 44:12, 
44:14, 44:19, 44:20, 
44:25, 50:3, 51:15, 
52:23, 53:4, 53:8, 
53:12, 53:15, 56:10, 
56:16, 58:9, 58:17, 
61:7, 63:23, 65:19, 
69:18, 70:5, 70:7, 
71:4, 71:12, 71:15, 
72:15, 72:23
taxpayer's [9] - 14:7, 
14:9, 23:16, 34:17, 
36:4, 40:11, 44:9, 
44:21, 52:25
taxpayers [1] - 23:25
TCO [3] - 52:15, 
61:4, 71:14
TCO's [1] - 66:22
technical [1] - 5:1
telephone [5] - 22:9, 
24:7, 25:19, 34:14, 
40:20
Telephone [4] - 40:1, 
42:7, 43:3, 43:25
tentative [2] - 13:17, 
15:24
term [2] - 38:9, 38:10
terms [1] - 4:4
terrible [2] - 17:12, 
59:22
testified [4] - 3:7, 
12:23, 63:19, 65:24
testify [1] - 47:13
testimony [11] - 
1:10, 5:5, 20:17, 
25:25, 30:3, 30:4, 
33:25, 41:20, 44:22, 
53:1, 64:6
THE [29] - 1:11, 1:14, 
1:21, 3:8, 3:9, 3:12, 
3:14, 6:15, 20:5, 21:6, 
29:20, 29:22, 29:25, 
32:11, 33:3, 33:11, 
33:13, 33:17, 48:9, 
54:8, 62:13, 62:17, 
62:23, 63:4, 63:8, 
63:11, 69:6, 72:6, 
73:1
themselves [1] - 
14:13
therefore [1] - 25:5
Thereupon [1] - 3:4
third [3] - 8:15, 8:16, 
57:21
Third [1] - 8:12
third-party [1] - 
57:21
Thomas [1] - 69:21
throughout [1] - 
58:20
tips [1] - 7:11
title [3] - 3:23, 38:7, 
48:23
today [5] - 20:13, 
20:18, 35:17, 46:16, 
48:15
today's [1] - 5:5
together [4] - 27:9, 
28:11, 65:14, 65:21
ton [1] - 7:7
tonight [1] - 40:22
took [3] - 25:25, 
55:12, 71:4
top [3] - 21:19, 29:4, 
45:8
total [8] - 13:14, 
15:24, 16:3, 16:4, 
16:6, 47:20, 67:22
TP [9] - 23:7, 23:8, 
24:13, 27:10, 28:2, 
44:2, 44:18, 44:24, 
51:15
TP's [1] - 36:6
track [1] - 63:5
trained [1] - 51:3
training [1] - 50:21
transcription [1] - 
73:8
transmit [2] - 56:9, 
56:12
travel [5] - 13:12, 
15:22, 15:23, 68:21
traveling [1] - 48:6
TREVOR [1] - 1:14
trevor.jones@
usdoj.gov [1] - 1:16
trial [2] - 3:1, 20:24
TRIAL [1] - 1:10
tried [2] - 36:10, 61:8
truck [2] - 13:10, 
15:20
true [12] - 4:24, 10:1, 
32:5, 32:14, 49:20, 
49:23, 50:6, 53:19, 
54:2, 61:2, 61:11, 
61:24
Truist [2] - 29:21
try [2] - 25:11, 43:7
turn [1] - 5:15
twice [4] - 53:22, 
54:4, 54:9, 54:22
two [10] - 18:7, 
19:17, 19:19, 37:22, 
42:25, 52:17, 52:18, 
69:3, 70:9
type [3] - 12:5, 14:3, 
29:4
U
U.S [8] - 5:17, 7:3, 
14:1, 16:22, 20:23, 
26:18, 38:2, 39:23
ultimately [1] - 48:1
um-hmm [1] - 18:23
unable [1] - 61:8
unagreed [2] - 43:18, 
44:5
under [2] - 9:24, 24:3
understood [1] - 
52:20
unique [1] - 9:16
united [1] - 2:3
UNITED [3] - 1:1, 
1:4, 1:11
United [2] - 65:2, 
73:13
unpack [1] - 8:18
unpaid [1] - 38:25
unsupported [2] - 
38:18, 68:15
up [18] - 16:3, 18:9, 
26:16, 27:10, 28:10, 
31:21, 33:1, 33:24, 
37:13, 41:6, 41:9, 
43:11, 44:19, 47:1, 
48:16, 59:16, 64:20, 
65:21
upcoming [1] - 25:15
Updated [1] - 41:3
updated [1] - 47:5
US [1] - 1:18
USAO [1] - 1:14
V
valid [1] - 4:24
valor [1] - 12:16
Valor [1] - 13:19
VELAZCO [2] - 2:2, 
73:12
Velazco [1] - 73:11
via [2] - 25:7, 28:2
VICTORIA [2] - 1:10, 
3:5
Victoria [3] - 2:11, 
3:3, 3:12
Victory [8] - 9:20, 
11:9, 16:17, 18:3, 
29:3, 31:18, 45:23, 
57:23
Vilsaint [8] - 10:19, 
18:1, 23:25, 26:1, 
27:16, 45:22, 53:4, 
65:16
voicemail [1] - 36:11
vs [1] - 1:6
W
W-2 [3] - 16:2, 27:3, 
45:25
wage [1] - 6:6
wages [2] - 7:11, 
57:9
wait [1] - 41:17
warranted [1] - 23:15
welcome [1] - 33:17
whole [2] - 19:12, 
59:10
whoops [1] - 53:8
wife [1] - 69:21
WITNESS [3] - 2:10, 
3:8, 3:12
Witness [1] - 73:2
witness [7] - 3:6, 
3:24, 4:1, 4:2, 4:21, 
4:23, 62:15
word [1] - 54:10
words [1] - 55:16
works [1] - 11:8
write [2] - 9:12, 
41:15
writing [1] - 59:9
written [3] - 41:14, 
44:22, 52:12
wrote [1] - 52:13
Y
YAACOV [1] - 1:21
year [25] - 5:18, 5:19, 
5:20, 7:4, 11:25, 16:4, 
16:5, 17:8, 17:11, 
 
10
17:16, 18:17, 18:25, 
24:7, 27:24, 33:25, 
38:16, 38:23, 38:24, 
39:15, 39:17, 58:19, 
65:23, 67:9, 68:1
years [17] - 3:22, 5:6, 
5:13, 5:19, 20:10, 
21:22, 21:24, 21:25, 
27:1, 38:14, 38:15, 
39:1, 45:24, 46:3, 
46:6, 66:17, 66:21
yourself [2] - 3:9, 5:3
Z
zero [1] - 19:19
zeros [1] - 67:11
zoom [1] - 49:8
Case 0:23-cr-60170-RNS   Document 110   Entered on FLSD Docket 08/09/2024   Page 83 of 83

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