Top 3 Essential Questions Every Taxpayer Should Ask Their Tax Preparer

Tax season often brings stress and confusion for many people. One of the best ways to ease that burden is by working with a tax preparer. But not all tax preparers are the same, and knowing the right questions to ask can make a big difference in your tax experience and outcome. Asking the right questions helps ensure your taxes are done accurately, you get all the deductions and credits you qualify for, and you are prepared if the IRS has any follow-up questions.

This post highlights the top three questions every taxpayer should ask their tax preparer. These questions will help you avoid common pitfalls, protect your financial interests, and gain confidence in the tax filing process.

Tax preparer and client discussing tax documents

What Documents Should I Bring to Avoid Red Flags?

Many taxpayers think bringing just their W-2 form is enough. While the W-2 is essential, it is rarely the only document needed to file a complete and accurate return. Asking your tax preparer what documents you should bring upfront helps avoid delays and red flags that could trigger audits or errors.

Common Documents to Bring

• W-2 forms from all employers

• 1099 forms for freelance or contract work, interest, dividends, or other income

• Receipts or records for deductible expenses such as medical bills, charitable donations, or business expenses

• Mortgage interest statements (Form 1098)

• Property tax statements

• Records of educational expenses (Form 1098-T)

• Social Security numbers for dependents

  
  

Why This Matters

If you only bring your W-2, your preparer might miss important income or deductions. For example, missing a 1099 form for freelance income could lead to underreporting income, which the IRS flags quickly. On the other hand, failing to provide receipts for deductible expenses means you lose out on potential tax savings.

By asking this question, you ensure your tax preparer has everything needed to file your return correctly and avoid red flags that could delay processing or trigger audits.

Have You Checked to Ensure I Have All Deductions and Credits Before Filing?

Once your tax preparer has your documents and completes your return, it is critical to ask if they have reviewed it thoroughly for all possible deductions and credits. This question helps confirm that you are not leaving money on the table.

Examples of Common Deductions and Credits

• Earned Income Tax Credit (EITC) for low to moderate-income earners

• Child Tax Credit for qualifying dependents

• Education credits such as the American Opportunity Credit or Lifetime Learning Credit

• Medical expense deductions if they exceed a certain percentage of your income

• Home office deduction for self-employed individuals

• Retirement savings contributions credit

  
  

How to Verify

A good tax preparer will explain which deductions and credits apply to your situation and how they calculated them. They should also ask questions about your life changes, such as having a child, buying a home, or going back to school, which can affect your tax benefits.

If your preparer simply files without this review, you might miss out on significant tax savings. Asking this question shows you care about maximizing your refund or minimizing your tax owed.

What Happens If the IRS Has Questions About My Tax Return?

Even with careful preparation, the IRS may contact you with questions or requests for more information. Knowing how your tax preparer handles this situation is crucial.

What to Expect

• Will your preparer represent you if the IRS audits or questions your return?

• Do they offer support or advice if you receive an IRS notice?

• Is there an additional fee for audit assistance?

• How quickly do they respond to IRS inquiries?

  
  

Why This Matters

Some tax preparers simply file your return and disappear if problems arise. Others provide ongoing support and can communicate with the IRS on your behalf, which can save you time and stress.

For example, if the IRS questions a deduction you claimed, your preparer can help gather the necessary documentation and explain the situation clearly. This support can prevent penalties or delays.

Asking this question upfront clarifies your tax preparer’s role after filing and helps you choose someone who stands behind their work.

Final Thoughts

Choosing the right tax preparer and asking the right questions can make tax season less stressful and more rewarding. Bringing all necessary documents, confirming all deductions and credits are claimed, and understanding how your preparer handles IRS questions are three essential steps to protect your financial interests.

Before your next tax appointment, prepare these questions. A trustworthy tax preparer will welcome them and provide clear, helpful answers. Taking this proactive approach helps you file with confidence and peace of mind.