Prepare Now for a Smooth 2026 Tax Filing Season
Tax season may feel far away, but the IRS is encouraging taxpayers to prepare now. Early organization saves time, reduces stress, and helps ensure that your return is filed accurately and without delays. The IRS has launched a new “Get Ready” campaign to help taxpayers understand what has changed and what to prepare for in 2026, and Braden CPA is here to break down the highlights.
Why Getting Ready Early Matters
For the 2026 filing season, tax planning will be more important than usual. The recently enacted “One, Big, Beautiful Bill” significantly changes how certain forms of income, deductions, and credits are taxed. The IRS and U.S. Treasury are continuing to issue guidance, but here are a few key features under the new legislation:
No tax on tips
No tax on overtime
No tax on car loan interest
New temporary deduction for seniors and others
While additional clarification is still in progress, taxpayers should stay informed as new IRS updates are released. Braden CPA will continue monitoring these developments so our clients understand how to apply them when filing.
Step 1: Gather and Organize Your Records
Having complete, organized records is one of the best ways to avoid errors and refund delays. Start your tax prep by collecting the essentials:
Bank account information
Form W-2s from employers
Form 1099s from banks, investment firms, or other payers
Records of digital asset transactions (cryptocurrency, NFTs, etc.)
Incorrect filing will often lead to amended returns and IRS notices. Organization now prevents headaches later.
Step 2: Set Up (or Access) Your IRS Online Account
Whether you file on your own or work with a tax professional, an IRS Online Account is one of the best tools available. It allows you to securely access personal tax information at any time. Through the IRS online portal, taxpayers can:
View past filings and tax records, including adjusted gross income (AGI) and transcripts
Make, schedule, and view payments
Obtain an Identity Protection PIN (IP PIN)
Authorize a tax professional to access tax records digitally
Access copies of certain W-2 and 1099 forms
If you plan to work with Braden CPA, having these records available can speed up the preparation process and reduce back-and-forth document collection.
Step 3: Prepare for Faster Refunds With Direct Deposit
The IRS has officially begun phasing out paper refund checks. Under Executive Order 14247, paper refunds started winding down on September 30, 2025. Going forward, most taxpayers will need to provide routing and account numbers to receive their refunds via direct deposit.
Direct deposit benefits you in several ways:
It is secure and trackable
It is typically faster than a paper check
It reduces processing errors and lost mail issues
If you don’t currently have a bank account, you still have options:
Explore FDIC-insured banking options
Use the National Credit Union Locator tool
Veterans can use the Veterans Benefits Banking Program, which helps connect service members and their families with participating banks
Some prepaid cards, digital wallets and mobile app banking services also accept direct deposits—but you must use routing and account numbers connected to your personal account. Always verify these numbers with your provider.
A Final Note
The 2026 tax season will be unlike any other. The new legislation changes how income is taxed and introduces deductions that may strongly benefit certain groups—especially employees earning tips, hourly overtime workers, seniors, and anyone with auto financing. While the IRS is still releasing guidance, taking a proactive approach now will help you file confidently later.
Braden CPA will be monitoring updates as they are issued so our clients get accurate, practical advice—not guesswork. If you would like help organizing your financial documents, setting up digital tools, or planning how the new tax changes may impact your return, we are here to guide you through the numbers with accuracy and clarity.
Ready to prepare for 2026?
Contact Braden CPA today for personalized assistance and tax planning strategies tailored to your needs.
Source: IR-2025-116, Nov. 26, 2025