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SS&J Solutions Plus Personal Financial Advisior, Tax and Accounting
Tax Preparer/Planner
18 years of finance experience

Prepared over 4000 returns
over 20 years of financial markets investor and industry experience
credit strategist and repair
real estate investor
Mortgage inspection
real estate license
loan signing agent
business consultant
provides bookkeeping

10/30/2026

SUBMITTED. ACCEPTED. PROCESSED. 🖤✨

These are not the same step when you electronically file your tax return.

📤 Submitted: Your return was transmitted electronically.
âś… Accepted: The IRS received it and accepted it for processing.
đź“‹ Processed: The IRS has completed processing, which doesn't necessarily mean every item was verified or approved.

If a return is rejected, the issue generally needs to be corrected and the return retransmitted. Keep your acceptance acknowledgment, completed return, and supporting documents.

You deserve to understand what happens after you sign—not just before.

Have tax preparation questions? DM FILE SMART or call/text 904-900-2462.

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.


SMALL BUSINESS OWNERS: COLLECT THE W-9 BEFORE YOU NEED IT. 📋January is not the time to discover that a contractor’s info...
10/28/2026

SMALL BUSINESS OWNERS: COLLECT THE W-9 BEFORE YOU NEED IT. đź“‹

January is not the time to discover that a contractor’s information is missing.

If your business works with properly classified independent contractors, get a completed Form W-9 early and keep accurate payment records.

Before year-end, review:
âś” Contractor names and contact information
âś” W-9 forms and tax identification details
âś” Payments made during the year
âś” Any missing records that need follow-up

Not every vendor payment requires a Form 1099, and worker classification matters. The point is to be organized before reporting deadlines arrive.

Need help getting your business records in order? DM CONTRACTORS or call/text 904-900-2462.

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.
Shanell Terrell

BusinessRecords

SMALL BUSINESS OWNERS: COLLECT THE W-9 BEFORE YOU NEED IT. đź“‹January is not the time to discover that a contractor's info...
10/28/2026

SMALL BUSINESS OWNERS: COLLECT THE W-9 BEFORE YOU NEED IT. đź“‹

January is not the time to discover that a contractor's information is missing.

If your business works with properly classified independent contractors, get a completed Form W-9 early and keep accurate payment records.

Before year-end, review:
âś” Contractor names and contact information
âś” W-9 forms and tax identification details
âś” Payments made during the year
âś” Any missing records that need follow-up

Not every vendor payment requires a Form 1099, and worker classification matters. The point is to be organized before reporting deadlines arrive.

Need help getting your business records in order? DM CONTRACTORS or call/text 904-900-2462.

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.


10/28/2026

WHO CAN CLAIM THE CHILD? 🖤✨

Separated, divorced, or unmarried parents: don't wait until tax season to sort out dependent eligibility.

Two people generally cannot claim the same child on separate tax returns for the same year. And an agreement to alternate years doesn't automatically transfer every federal tax benefit.

Before filing, review the child's living arrangements, applicable IRS rules, and any required documentation, including Form 8332 where relevant.

The rules for claiming a dependent, head of household status, and certain credits are not all the same. The facts matter.

Have questions about which records to gather? DM DEPENDENT or call/text 904-900-2462.

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.


General tax education; eligibility depends on individual circumstances.

10/25/2026

SUNDAY RESET | PREPARE BEFORE TAX SEASON 🖤✨

You don't have to solve your entire financial picture today. But you can take one step toward understanding it.

Before the new week begins:
âś” Update your income records.
âś” Organize business expenses and receipts.
âś” Review estimated tax payments, if applicable.
âś” Gather missing documents.
âś” Write down the questions you've been putting off.

Preparation gives you options. Procrastination gives you surprises.

For taxpayers required to make quarterly estimated payments, the fourth 2026 payment is generally due January 15, 2027. Your situation may differ.

Ready for a year-end tax conversation? DM Q4 or call 904-900-2462.

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.


10/21/2026

A BANK STATEMENT IS NOT A COMPLETE SET OF BOOKS.

Your bank statement tells you money moved. But does it explain why?

If you're self-employed or running a small business, recordkeeping means more than downloading twelve months of transactions at tax time.

Record the date, amount, vendor, and business purpose of each expense. Keep receipts and supporting documents. Separate personal and business transactions.

A little organization now can save you a lot of confusion later.

Need help organizing your business records? DM CLEANUP or call 904-900-2462.

SS&J Solutions Plus | More Than Taxes. Your Financial Partner.


YOU PURCHASED A NEW VEHICLE. DOES THAT MAKE THE INTEREST DEDUCTIBLE?Not necessarily.For tax years 2025 through 2028, eli...
10/16/2026

YOU PURCHASED A NEW VEHICLE. DOES THAT MAKE THE INTEREST DEDUCTIBLE?

Not necessarily.

For tax years 2025 through 2028, eligible taxpayers may deduct up to $10,000 annually of qualified passenger vehicle loan interest.

But the rules matter:
• The debt must generally have been incurred after December 31, 2024
• The loan must be for the purchase of a qualified vehicle
• The vehicle must be for personal use
• The loan must be secured by a first lien
• The vehicle’s original use must begin with the taxpayer
• Final assembly must be in the United States
• Income limitations apply
• Lease payments do not qualify

The IRS finalized regulations in September 2026, with an effective date of November 9, 2026.

Do not assume “I bought a car” automatically means “I get the deduction.”

📞 904-900-2462
📱

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.

Educational information only. Eligibility and tax treatment depend on individual facts.

INFLATION IS NOT YOUR PRICING STRATEGY.The September Consumer Price Index is scheduled for release today at 8:30 a.m. ET...
10/14/2026

INFLATION IS NOT YOUR PRICING STRATEGY.

The September Consumer Price Index is scheduled for release today at 8:30 a.m. ET. Until that official report is published, the latest available CPI data remain August’s numbers: overall CPI was up 3.4% from a year earlier.

But here is the bigger point for business owners:

A national inflation rate does not tell you whether YOUR business is profitable.

Review your actual:
• Vendor and supply costs
• Insurance
• Payroll
• Fuel and transportation
• Merchant fees
• Software and subscriptions
• Rent and overhead
• Profit margin by product or service

Revenue can rise while your margin quietly shrinks.

Price from your numbers — not from fear, headlines, or guesswork.

📞 904-900-2462
📱

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.

Educational information only. Financial and tax decisions depend on individual facts.

NO TAX ON TIPS AND OVERTIME? READ THE FINE PRINT.Recent federal tax-law changes created deductions for certain qualified...
10/13/2026

NO TAX ON TIPS AND OVERTIME? READ THE FINE PRINT.

Recent federal tax-law changes created deductions for certain qualified tips and qualified overtime compensation — but not every dollar labeled “tips” or “overtime” automatically qualifies.

For qualified overtime, the deduction generally applies to the qualifying premium portion required under the Fair Labor Standards Act, not the entire overtime paycheck.

Income limits, reporting rules, occupation rules, and documentation can matter.

Employees: keep your pay records.
Employers: make sure payroll reporting is ready.
Taxpayers: do not assume social-media headlines tell the whole story.

📞 904-900-2462
📱

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.

Educational information only. Eligibility and tax treatment depend on individual facts.

AN EXTENSION IS NOT AN EXTENSION TO PAY.If you timely extended your 2025 individual federal tax return, October 15, 2026...
10/12/2026

AN EXTENSION IS NOT AN EXTENSION TO PAY.

If you timely extended your 2025 individual federal tax return, October 15, 2026 is generally your filing deadline.

Now is the time to:
• Finalize your documents
• Review income, deductions and credits
• Confirm estimated payments and withholding
• Make sure nothing important is missing
• Verify your return is filed and accepted

An extension gave you more time to FILE — not more time to PAY tax that was due by the original deadline.

Get the return right, not just done.

📞 904-900-2462
📱

SS&J Solutions Plus
More Than Taxes. Your Financial Partner.

Educational information only. Filing requirements and tax treatment depend on individual facts.

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Jacksonville, FL
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