Toni’s Notary and Tax Services

03/04/2026

• Personal Tax Returns
• Business Taxes
• Self-Employed / Side Gigs
• Tax Amendments
• Prior Year Taxes
• IRS Letter Assistance 📄

02/11/2026

Top Tax Deductions Every American Should Know in 2026

1. Standard Deduction (Most Common)
Single: $14,900
Married Filing Jointly: $29,800
Head of Household: $22,350

2. SALT Deduction (State & Local Taxes)
Up to $10,000 for state income tax, property tax, or sales tax.

3. Mortgage Interest Deduction
Homeowners can deduct interest on qualified mortgages (limits apply).

4. Charitable Contributions
Cash donations to qualifying charities are deductible with proof.

5. Student Loan Interest Deduction
Up to $2,500 deductible (income limits apply).

6. Medical & Dental Expenses
Deduct the portion that exceeds 7.5% of adjusted gross income (AGI).

7. Retirement Contributions
Traditional IRA, 401(k), and HSA contributions reduce taxable income.

8. Educator Expenses
Teachers can deduct up to $300 (or $600 for married educators).

9. Self-Employed Deductions
Home office
Phone/internet
Business travel
Health insurance premiums
Equipment depreciation

10. Energy-Efficient Home Improvements
Tax credits for solar panels, efficient windows, appliances, etc.

02/01/2026

We provide accurate, compliant tax preparation for individuals and businesses. ☑️ 🖊️

Our goal is simple: minimize errors, maximize savings, and give you peace of mind. ✨

Schedule your Virtual/ InPerson consultation today. 📱

📞 956-701-8912
📧 [email protected]

01/29/2026

🚨Alert 🚨
If you receive an email like this, do not open it. It’s a scam. Do not enter any personal info. The IRS does NOT email you.

01/22/2026

Klarna, Afterpay, Cashapp, Apple Pay accepted 💰 ✅

Good news y’all!!
We now accept Klarna!

01/20/2026

🚨 JANUARY 31ST DEADLINE ALERT 🚨
If you paid contractors or had employees in 2025, this is NOT optional!

Form 1099-NEC & W-2s are due January 31st to BOTH the recipient and the IRS. Missing this deadline can result in penalties, IRS notices, and unnecessary stress to you and your employees or contractors.

If you’re not sure whether you need to file, here’s a simple checklist 👇

✅ You need to file a 1099-NEC if you:
• Paid a contractor, freelancer, or consultant $600 or more
• Paid via cash, check, Zelle, ACH, or bank transfer
• Did business with a sole proprietor or LLC (not taxed as a corporation)

✅ You need to file a W-2 if you:
• Had employees on payroll
• Withheld federal/state taxes
• Paid wages at any point in 2025

📝 Quick To-Do List (Before Jan 31):
1️⃣ Confirm who you paid in 2025
2️⃣ Collect missing W-9s or employee info
3️⃣ Prepare and file 1099-NECs & W-2s
4️⃣ Send copies to recipients
5️⃣ File with the IRS on time

⏰ Procrastinating costs more.
Penalties start at $60 per form and increase the longer you wait even if the mistake was unintentional.

✨ Questions? DM
👉 “1099” or “W2” to get started today
👉 Or click the link 🔗 www.riostaxandinsurance.com

Don’t let a simple filing turn into a costly problem. File smart. File on time. 💼📄

01/04/2026

Client Testimonial 2025 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️

01/03/2026

🚨TAX MYTH ALERT CHILD SUPPORT EDITION

Paying child support does NOT mean you automatically get to claim the child on your taxes.

Here’s how it really works ⬇️

✔️ Only ONE parent can claim the child each tax year
✔️ Usually it’s the custodial parent (child lived with them more than half the year)
✔️ The non-custodial parent can ONLY claim the child if the custodial parent signs IRS Form 8332
✔️ Paying child support alone gives ZERO tax rights

No form = no claim. Simple. Clear. IRS rules not opinions.

💬 If you’re unsure who should claim the child, ask before you file, not after the IRS flags it.

12/20/2025

CONSIDERING A TAX ADVANCE LOAN: STARTING JANUARY 2nd!!! 💵 💰

💸 What Is a Tax Advance Loan?

It’s NOT your actual refund yet

It’s a loan based on your estimated refund

You receive money the same day or within 24 hours

When the IRS issues your refund, it goes directly to the lender to repay the loan you initially borrowed.

Any remaining refund is sent to you
📌 The IRS does not offer tax advance loans — only tax prep companies do.
✅ What You Need to Qualify
📄 1. Filed Tax Return

You must file your tax return through the tax preparer offering the advance
Return must be accepted by the IRS (not just submitted)

📄 1. Last paycheck stub
🆔 2. Valid Identification
🪪 Government-issued photo ID
Social Security card or ITIN documentation
💼 3. Proof of Income

W-2s, 1099s, or other income documents
Accurate income reporting is critical

🏦 4. Refund Delivery Method
You usually must choose one:
🏦 Bank account Info
🏦 Debit Card Info

💰 5. Expected Refund Amount
Typically must qualify for a minimum refund (often $500–$1,000+)

Advance amounts usually range:
$250 – $6,000 (varies by company)

🧾 6. No Major IRS Red Flags
You may be denied if:
‼️ You have back taxes
‼️IRS offsets (child support, student loans)
‼️Errors or inconsistencies
‼️Identity verification issues
‼️Amended returns (usually not eligible)

⏳ How It Works (Step-by-Step)
File your taxes with a participating tax preparer
IRS accepts your return
You’re approved for an advance
Money is issued same day or next day
IRS sends refund to lender
Loan is repaid automatically
Remaining refund goes to you

⚠️ Important Pros & Cons
👍 Pros
✔ Fast access to cash
✔ No upfront out-of-pocket cost
✔ Up to $1,000 no interest

👎 Cons
❌ Fees may be built into prep costs
❌ Reduced refund flexibility
❌ Risk if refund is delayed or reduced
❌ Not available to everyone

🧠 Who Should Consider One?
People needing emergency funds
Those with stable refunds
Filers without offsets or tax issues

🚫 Who Should Avoid One?
Anyone with unpaid debts subject to IRS offset
Uncertain income situations
Amended return filers

📝 What to Bring to your tax preparer for a Tax Advance
✔ Photo ID
✔ Social Security card
✔ All income forms
✔ Last year’s tax return (if available)
✔ Bank or debit card info

Ready to help you!
📞 📱 956-701-8912
Tax Specialist & Notary Public

12/20/2025

💡 Tax Tip 💡

🚨 Do NOT throw this away if it comes in the mail! 🚨

This is your 1095-A from Marketplace insurance. Even if you have insurance through your employer, you may still receive this form.

If you file your taxes without it, the system will reject your return. ❌ We CANNOT file your taxes without this form.

If you purchased coverage through Marketplace and created a HealthCare.gov account, you can download your Form 1095-A directly from your account.

12/14/2025

It’s almost time to file your taxes! ⏰
Please feel free to reach out to me if you have any questions! 📱 📞

Ready to help you out with any of your TAX or NOTARY documents 🤗 👩🏼‍💻 🖊️