In this episode:

• Why the IRS is phasing out paper checks and what that means for paying or receiving tax refunds going forward

• How misleading labels on draft IRS forms could confuse clients (hint: "No Tax on Tips" doesn't actually mean that)

• A major 401(k) rule change for high earners that could impact catch-up contributions starting in 2027

• Year-end tax planning tips for business owners, including strategies you must act on before December 31

• Smart ways to manage estimates, avoid penalties, and use paycheck withholdings to your advantage

If you want fewer surprises come April and smarter decisions in Q4, don't miss this one.