What should happen before you sign your tax return
Some of the worst tax-office reviews I've read describe a return that was filed before the client ever saw it, or a preparer who slid the signature page across without going over a single line.
It shouldn't work that way. Here's what should happen, and what to look at before you sign.
Your signature is required before e-filing
When a preparer e-files your return, they need your signed Form 8879, IRS e-file Signature Authorization, first. The IRS requires the preparer to have it before the return is transmitted (IRS Publication 1345). New York has its own version, Form TR-579-IT.
Signing Form 8879 says you've reviewed the return and it's true and complete to the best of your knowledge. It's your signature on the line, so you should know what's on the return.
The 5 things to check before you sign
- Names, Social Security numbers and dependents. A typo here is the most common reason a return gets rejected or a credit gets denied.
- Every W-2 and 1099 made it in. Compare the income lines to the forms you sent, or to your IRS wage and income transcript. A missing 1099 is how a lot of IRS letters start.
- Your filing status. Single, married filing jointly, head of household. It changes your tax a lot, so make sure it's right for your year.
- The refund or balance due, and where it goes. The refund should go to your bank account, never the preparer's. Check the routing and account numbers digit by digit.
- Anything you don't understand. Ask. "What's this number?" is a fair question about your own return.
Questions to ask on the review call
- Why is my refund higher or lower than last year?
- Which deductions or credits did you take, and what do you need from me to back them up?
- Is there anything I should change this year so next year isn't a surprise?
- When will it be filed, and how will I know it was accepted?
After it's filed
You're entitled to a copy of your return (IRC §6107). Keep it with your records. You'll need it for loans, financial aid and next year's return.
How we do it
- A walkthrough before you sign. We go through your return together on a video or phone call, screen by screen.
- Nothing is filed until you e-sign. You get Form 8879 electronically after the review, not before.
- Your copy goes to your portal. The filed return is saved to your secure client portal, so it's there whenever you need it.
- The person who prepared it is the person you talk to. I prepare every return myself, start to finish.
Shane Panas is a New York State registered tax return preparer and IRS PTIN holder. He is not a CPA or an enrolled agent, and he doesn't represent clients before the IRS.
See also 8 questions to ask before you hire a tax preparer.
Frequently asked questions
Can a tax preparer file my return without my signature?
No. Before e-filing, the preparer must have your signed Form 8879 authorizing the electronic filing (IRS Publication 1345). If a return was filed without your authorization, contact the preparer in writing right away.
What is Form 8879?
Form 8879 is the IRS e-file Signature Authorization. By signing it you confirm you've reviewed the return and authorize the preparer to file it electronically. New York uses Form TR-579-IT for the state return.
What should I check before signing my tax return?
Check names, Social Security numbers and dependents, that every W-2 and 1099 is included, your filing status, and the refund or balance due with the bank account numbers. Ask about anything you don't understand.
Am I entitled to a copy of my tax return?
Yes. A paid preparer must give you a copy of the return they prepared (IRC §6107). Keep it for your records.