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Heinlein said there may be no one you wish to vote FOR -- but there will inevitably be someone to vote AGAINST. Sometimes that is as good as it gets. Unfortunately. I do wish, sometimes, that I would have to agonize over the better of two good candidates rather than the less slimy and disgusting of two.

As a CFP I only give advice to point people in the right direction, much as joanmcq does. I also agree that it feels like a conflict of interest if I would try to sell a product to put in someone's retirement plan so they could reduce their taxes. My clients know I am a CFP and if they need me to review an insurance policy, retirement plan, or an estate plan or lack of one, I will charge accordingly if it becomes time intensive. I was doing taxes before any financial planning and worked on getting the CFP designation because I wanted a better knowledge of the field to answer all the questions that were being presented because as you know, our clients trust us. But selling....that's just not me, and be careful if that's what you decide to do.

"Jonnelle Marte notes that the new measures do not change the deadline for when employers need to send W-2 forms with taxpayer information to the IRS - a move that would give the agency a chance to verify returns before issuing..." That speaks volumes. Verify the W2s before allowing any return to be filed. So your refund is late. Big deal. If you are getting WITHHOLDING back, adjust your withholding so that you aren't getting a big fat refund. If you are getting any refundable tax credits, "free money," you can wait for it. It's not right that somebody can walk into any tax office and walk out with thousands of OUR tax dollars, many times using OUR tax dollars to pad the pockets of companies who overcharge and hide the fees by withholding the fee from the refund. I love what I do. And I only do taxes. But in my 20 year career, it sickens me to no end the money that is given away fraudulently. Verifying the W2's and doing away with refundable tax credits would clean house. CLEAN. HOUSE. Why does that seem so simple to me? Am I right?