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The S Corp still can open and fund a SEP, which is an employer only plan.

@Christian It doesn't matter when the child was born as long as it lived with the parent for half the time it was alive. Even if born on Dec. 31, it is considered qualified for both credits. Enter 12 months in the software and forget about a paper return. How long it was in the womb counts for nothing as far as the credits. This is just overthinking.

Who would authorize you to prepare the return? Unless the son will help you, there's nothing you can do.

Up to the lessor of 25% of compensation or $66,000. SEPs work well with S Corps.

Apparently, from the OP there are no records. I wonder if her phone was checked, if she had one. It could have a calendar and other info. all of this is for naught as the son is reluctant to cooperate.

Well that would allow him to make a 2 % non elective contribution. "You must deposit employees' salary reduction contributions to their SIMPLE IRAs within 30 days after the end of the month in which the amounts would otherwise have been payable to the employees in cash, according to IRS rules (IRC section 408(p)(5)(A)(i)). For self-employed persons with no common-law employees, the latest date for depositing salary reduction contributions for a calendar year is 30 days after the end of the year, or January 30th" Due to this rule, amending his payroll won't work either.

correct

From bank accounts? but might be only record of any income, whether complete or not.

@Patti in Upstate NY I hope I did not scare you into dumping your clients. That was not my intent. I think how I would handle this is just have a conversation with each, explain that you have a conflict between the two, ask each what it is that they want to do, document in your engagement letter, and do the returns per their wishes if they agree. If they cannot agree, decline the engagement. I want to thank you for bringing this up. It was a very good discussion and it made me think about how I would go about it. Tom Longview, TX

I'd prefer that this topic not be sidetracked into another gripe session until the poster's situation has been adequately discussed. It seems we already have several of those topics already going, so please stick to the subject of what the best approach and handling is, ethically, for the poster and the facts presented. Thanks.

I'm counting. Ha.

I was thinking a 25% SEP plan works out to 20% but that may just be for self-employed? Anyway, in trying to verify that, I discovered I may have allowed a client to put too much money into his IRA's--I thought you could contribute to your SEP and an IRA as well. This is correct; however, your total contributions cannot exceed the SEP IRA contribution limits. IRA's are trickier than many folks think. I had a client who would tell me about his Traditional IRA contributions--one year I mentioned Roth's and he said, oh I put $6,000 in my Roth as well but I didn't think I needed to tell you about that. He had been putting the limit into both types for years, what a mess to straighten out. Then the year after he retired, he was still putting money into his IRA... geez

No one scared me into dumping them and I won't be replacing them with anyone new. I've already refused about 10 prospective clients this year and I've fired four others since February 1. It's highly likely this will be my last tax season because I'm just done. There's no joy in solving the puzzles anymore. The reason I read this board every day is because there is always something to learn. There's always a warning to heed. And thank God, there's always another preparer on the verge of losing their mind and so I've felt less alone. I'm glad my asking about this fiasco returned the favor