In-Home Tax Preparation for Seniors in Clearwater

What Iris checks for retirees

• Social Security. How much of your benefit is taxable depends on your other income. Iris calculates it from your SSA-1099.
• Required minimum distributions. Most IRA and 401(k) owners must take yearly withdrawals once they reach the required age. Missing one brings a penalty, which can often be reduced when corrected quickly.
• Qualified charitable distributions. Giving to charity directly from an IRA can lower taxable income for those who qualify.
• The senior deduction. Taxpayers 65 and older get an added standard deduction, plus a newer federal deduction for tax years 2025 through 2028, with income limits.
• Medical expenses. Large out-of-pocket costs, including some assisted living and long-term care costs, may be deductible if you itemize.
• Form 1040-SR. A larger-print version of the return for taxpayers 65 and older.

A typical example

An illustrative example, not a client testimonial. A daughter in Ohio calls about her father, 82, who lives alone in a Clearwater condo and no longer drives. Iris visits him on a Tuesday afternoon, calls the daughter on speaker, and goes through his Social Security statement, pension 1099-R and IRA distribution.

She confirms he took his required minimum distribution, applies the added deduction for taxpayers 65 and older, and leaves him a printed copy with large type. He gets a small refund of pension withholding.

For adult children and caregivers

Many calls come from a son or daughter in another state helping a parent in Clearwater. Iris can meet your parent at home or in their community and call you during the visit so you hear the result. If you hold a power of attorney, bring a copy.

If your parent needs a power of attorney signed, Iris can notarize it at the same visit; Florida requires two witnesses, so plan for them. Visit our tax preparation page for other services.

How the appointment works

1. Call 678-614-4636 and tell Iris what kind of return you have. She'll tell you what to gather and quote the price.
2. Iris comes to your home or business, reviews your documents with you and asks about anything that changed this year.
3. She prepares the return, walks you through the result, and e-files after you approve and sign. You keep a copy.

What it costs

Senior returns start at [senior return starting price], and you get the price before Iris begins. Ask about the rate for residents of the same community booked on the same day.

Mobile service across Pinellas County

Iris is based in Clearwater, from Countryside and Island Estates to downtown and Clearwater Beach, and drives to clients across Pinellas County:

• Clearwater
• Largo
• St. Petersburg
• Pinellas Park
• Seminole
• Dunedin
• Palm Harbor
• Tarpon Springs
• Safety Harbor
• Oldsmar
• Gulfport
• Belleair
• Indian Rocks Beach
• Madeira Beach
• Treasure Island
• St. Pete Beach

She also serves nearby parts of Pasco and Hillsborough counties when her schedule allows. Appointments can be at your home, your business, or a hospital or care community. Family out of state can book a visit for a parent and join by phone.