IN THIS ISSUE: 

• Missing Returns: What to do if the IRS claims they didn’t get your paperwork.
• IRS Notices: When to call us and when to handle it directly.
• RMD Deadlines: A reminder on your Required Minimum Distribution.
• Clergy Social Security Exemption: A new, temporary window opens to reverse your exemption.

MISSING RETURNS

If you receive an IRS notice claiming your tax return was never filed, do not panic. This is a frequent error—the IRS has even been known to claim a return is missing after cashing the check that accompanied it.

How to fix it:

• Locate the version of your return stamped “COPY”.
• Sign it and mail it exactly as you would an original.

Staple any relevant withholding statements to the front before sending.

IRS NOTICES

You do not need to alert our office every time you receive a piece of government mail.

• Contact us if:  The IRS or state is attempting to change calculated amounts that our team originally prepared for you.
• Do no contact us if:  The notice is simply requesting missing documentation, charging interest on a late payment, or billing you for routine penalties.

RMD DEADLINES

• The Rule: Normally, once you file Form 4361 to exempt your wages from Social Security and Medicare, the decision is permanent unless Congress opens a specific legislative window.
• The Catch: If you choose to opt back into the system during this upcoming window, that choice becomes completely permanent.
• Eligibility Note: Opting back in does not automatically grant you benefits. You are still required to accumulate the standard 40 Social Security credits (roughly 10 years of covered employment) to qualify for full retired-worker benefits.

Sincerely in Christ,

James W. Rickard

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