Important Information for Filing Your 2025 Tax Return

January 6, 2026|Genevieve Guys

As you are preparing to file your taxes this year, we want to help make your life a little easier. Below, you’ll find a comprehensive guide with important dates, resources, and tips to help you complete your 2025 tax return. To start, here’s a handy checklist to organize your tax filing process.

At Pearl Planning, we are committed to assisting you and your tax professional in gathering the information needed for your tax return. Please don’t hesitate to contact us or have your Certified Public Accountant (CPA) or tax preparer reach out with questions. Once you’ve completed your tax return, clients are encouraged to securely upload a copy to us for a review of financial planning opportunities.

Raymond James 2025 Form 1099 Mailing Schedule

Get full information on Raymond James Tax Reporting.

Charles Schwab 2025 Form 1099 Mailing Schedule

Get full information on the product schedule

Fidelity 2025 Form 1099 Mailing Schedule

Get full information on Fidelity Tax Reporting

TIAA 2025 Form 1099 Mailing Schedule

Get full information on TIAA Tax Reporting

Altruist 2025 Form 1099 Mailing Schedule

Get full information on Altruist Tax Reporting

All custodians will mail 1099 tax statements by January 31st. The date your form will be produced typically depends on the complexity of the holdings in your account. We will notify you if we have information that your 1099 will be delayed until February 15^th.

Important Update: How to Pay Taxes and Estimated Payments

The IRS no longer accepts paper checks for federal tax payments, including estimated tax payments.

All federal tax payments must now be made electronically using one of the following methods:
• IRS Direct Pay from a bank account
• Electronic Federal Tax Payment System (EFTPS)
• Debit card, credit card, or digital wallet through an IRS-approved provider

If you typically mail checks for estimated payments or balance due amounts, please plan to use an electronic payment option to avoid delays or penalties.

Mark Your Calendar Now for Important 2026 Dates

April 15: Deadline to file your tax return (or request an extension). Also, the last day to make 2026 IRA, Roth IRA, or HSA contributions (if you file on time). First-quarter tax estimates are due.
June 15: Second-quarter tax estimates are due.
September 15: Third-quarter tax estimates are due.
October 15: Deadline to file if you receive a six-month extension.
December 31: Deadline for required minimum distributions (RMDs) if over age 73, and the last day to make 2026 401(k)/employee plan contributions.

Viewing Your Tax Documents Online

Access online tax documents by signing into your respective custodian client access pages. Please contact our office if you need assistance.

Qualified Charitable Distributions (QCDs), Donor Advised Gifts, and Charitable Giving

If you completed QCDs in 2025, information about these will be included with your tax forms. QCDs are a tax-efficient way to give to charity and count toward your RMDs if you are eligible.

If you made gifts to a donor-advised fund, please inform your CPA and make sure to mention the cost basis and date you acquired shares if you gifted appreciated stock.

Keep receipts and details of charitable gifts and gather them for your tax preparation.

Tax Planning Opportunities for 2026 and Beyond

Adjust Withholdings: If you have had a significant change in income or need to review withholdings because of either big, unexpected tax bills or significant refunds, it’s likely time to review your tax withholdings. A conversation with your tax professional or financial planner might be warranted in order to assist.
Maximize Retirement Contributions: Ensure you’ve maximized contributions to 401(k)s, IRAs, and HSAs by the deadlines. IRA and HSA contributions can be made for the prior tax year up until the April filing deadline, while 401(k) contributions must be completed by December 31 of the calendar year.
Charitable Giving: Consider donor-advised funds or QCDs to maximize tax benefits.
Investment Strategies: Review your portfolio for tax-loss harvesting opportunities and assess capital gains planning strategies.
State-Specific Tax Credits: Check for education savings plan contributions or energy-efficient home improvement credits.

We hope you find this information helpful as you navigate the 2025 tax season. Please contact Pearl Planning for assistance—we’re here to collaborate with you and your tax professional to simplify the process and uncover valuable tax planning opportunities.

Tax Return Docs Checklist - Free PDF

Genevieve Guys

Genevieve Guys is an Associate Financial Advisor at Pearl Planning. Reach out for a call today at 734.274.6744.

8031 Main St. Suite 201 Dexter, MI 48130

Categories

Taxes

Important Disclosure:
Please remember that past performance is no guarantee of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Pearl Planning, or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to their individual situation, you are encouraged to consult with the professional advisor of your choosing. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available for review upon request or at https://pearlplanning.com/. Please Note: Pearly Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Pearl’s web site or blog or incorporated herein and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Please Remember: If you are a PEARL PLANNING client, please contact PEARL PLANNING, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Unless, and until, you notify us, in writing, to the contrary, we shall continue to provide services as we do currently. Please Also Remember to advise us if you have not been receiving account statements (at least quarterly) from the account custodian.