Rock Creek Tax Service, LLC.

04/18/2026

IRS SCAM ALERT 🚨

This is an email Matt received. This is exactly what scammers are sending out right now.

Let me be clear

The IRS does NOT send emails like this
They do NOT send random documents as attachments
They do NOT ask you to open files like this

Red flags in this email

❌ Generic greeting Hello Mg
❌ Strange attachment HTML file which is a big warning sign
❌ Vague message about important updates
❌ Trying to get you to open a file

If you open that attachment, you are putting your information at risk.

What you should do

✔️ Do NOT open the attachment
✔️ Do NOT click anything
✔️ Delete the email
✔️ If you are unsure, call a trusted tax professional

We are seeing more of these every day. They are counting on you to react without thinking.

If you ever get something like this and are not sure, send it to me. I will look at it before it becomes a problem.

04/16/2026

04/13/2026

🚨 Important USPS Change – This Could Make You Late 🚨

April 15 is approaching fast. If you’re mailing your tax return or tax payment please be aware.

👉 Your mail is NOT considered “on time” based on when you drop it off anymore.
👉 It’s based on when USPS processes and postmarks it

That means:
📬 Drop it off on the deadline…
⏱️ It gets processed the next day…
❌ You could be considered late

How to protect yourself:

✔️ Take it to the counter and ask for a hand postmark
✔️ Send it Certified Mail or get a Certificate of Mailing
✔️ Or better yet — file electronically

Don’t risk penalties over something like this. Mail it early or get proof.

03/10/2026

Rock Creek Tax Service is celebrating 10 years in business.

What started as a small local tax office has grown thanks to the support and trust of our community. I’m grateful for every client, referral, and small business we’ve been able to serve along the way.

Thank you for helping make the last decade possible.

Here’s to many more years serving Bedford, Pendleton and the surrounding communities.

✔ Personal & Business Tax Preparation
✔ Bookkeeping

📍 Pendleton, Kentucky

01/29/2026

Worked Overtime in 2025? Keep More of Your Earnings!
A new law, the "One Big Beautiful Bill Act," was signed in July 2025 and is retroactively effective to January 1, 2025. This provides a federal tax deduction on the premium portion of your qualified overtime pay, allowing you to deduct up to $12,500 (single filers) or $25,000 (joint filers).

How to Calculate Your Overtime Deduction
The deduction only applies to the "premium" portion (the "extra half") of your time-and-a-half overtime pay required by the Fair Labor Standards Act (FLSA). It does not apply to the regular rate portion or state-mandated overtime not covered by FLSA.
Qualification Checklist
• Employment Status: You must be a non-exempt employee who receives a W-2 or 1099 form.
• Income Limits: The deduction starts phasing out for taxpayers with a Modified Adjusted Gross Income (MAGI) over $150,000 (single) or $300,000 (joint) and is completely eliminated at higher thresholds.
• Filing Status: You cannot use the Married Filing Separately status.
Calculation Steps (For Time-and-a-Half Pay)
To figure out your deductible amount for tax year 2025, you may need to use your pay stubs as employers were not required to separately report this on W-2 forms for this year.
1. Find Your Total Overtime Pay: Gather records (pay stubs, earning statements) to find the total amount you received for all overtime hours worked in 2025.
2. Calculate the Premium Portion: If you were paid time-and-a-half for overtime, the deductible premium portion is one-third of your total overtime pay.
1. Formula: Total Overtime Pay ÷ 3 = Deductible Amount
2. Example: If your total overtime pay was $15,000, your deductible amount is $5,000 ($15,000 ÷ 3).
3. Apply the Maximum Limit: Ensure your calculated amount does not exceed the maximum deduction limit of $12,500 (single) or $25,000 (joint).
For more information, give us a call to schedule you appointment.

01/20/2026

Finance a New U.S.-Built Car? Get a Massive Tax Break!
Buying American just got even better. Thanks to the new tax changes passed in July 2025, you can now deduct up to $10,000 annually in car loan interest. This is an "above-the-line" deduction, meaning you can claim it even if you don't itemize.
Check Your Eligibility:
• New Vehicles Only: Must be the first owner; used vehicles and leases do not qualify.
• Made in the USA: Final assembly must be in the United States (VIN typically starts with 1, 4, or 5).
• Personal Use: The vehicle must be for personal, non-commercial use and weigh under 14,000 lbs.
• Income Limits: Full deduction available for those with a MAGI up to $100,000 (single) or $200,000 (joint).

01/14/2025

We are ready to start the 2025 Tax Filing Season. Monday January 27, 2025 is the first day the IRS will begin accepting federal returns. Please review our checklist to make sure you are prepared for your appointment.

If you haven't made your appointment for 2025, please call 502-663-0067 or text 502-376-0647. We look forward to seeing everyone this year.