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is it possible that the IRS notice is about something besides the extra withholding? sometimes they send W-4s for other reasons too like if your allowances are way off from what they think you should claim. did the notice mention anything specific?
Good point! When I got a W-4 notice last year, it wasn't about extra withholding at all. It was because I had claimed "exempt" the previous year when I was a student, and then I started a full-time job. They wanted me to update my status since I no longer qualified for exemption.
I've been through this exact situation! Got a similar notice when I increased my withholding by about $40 per paycheck. The IRS notice can be scary at first, but it's really just their way of confirming you made the change intentionally. What you did is totally normal and smart - having extra withholding helps ensure you don't owe money at tax time. The IRS automated system flagged the change because it was different from your previous withholding pattern, not because you did anything wrong. Make sure to read the notice carefully for response instructions. Usually they just want you to confirm that you authorized the W-4 change. You can typically respond by phone or mail. Don't stress about it - this is more of a security check than anything punitive. Keep doing the extra withholding if it works for your financial planning!
This is really reassuring to hear from someone who went through the same thing! I was definitely panicking when I first saw the notice. How long did it take for you to get confirmation back from the IRS after you responded? I'm worried they might keep sending more notices if I don't handle this correctly.
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14 Also worth mentioning - gambling winnings are subject to different withholding requirements. If you win over certain thresholds (like $5,000 in a lottery), taxes should be withheld immediately. But for most online betting apps, they don't withhold taxes automatically, which is probably why you're in this situation.
21 I got a W-2G from a casino when I hit a $1,200 jackpot on a slot machine, but nothing from any of my sports betting apps even though I had some big wins. Is that normal or should I be getting tax forms from them too?
Sports betting apps typically only issue W-2G forms for winnings that meet specific thresholds - usually when you win over $5,000 AND the winnings are at least 300 times your wager. So if you bet $10 and won $3,000, you wouldn't get a W-2G even though it's a nice win. But you're still required to report ALL gambling winnings on your tax return, regardless of whether you receive a form or not. The apps should have year-end statements available in your account that show your total activity for tax purposes.
Don't forget about state taxes too! Each state handles gambling income differently. Some states don't tax gambling winnings at all, while others treat them as regular income. A few states even have different rules for online vs. in-person gambling. You'll want to check your state's specific requirements because you might owe state taxes on that $30k in winnings even if your federal situation gets sorted out with itemizing. Some states also don't allow gambling loss deductions even if you can take them federally, which could really impact your overall tax bill. If you're in a state that recently legalized sports betting, the tax rules might still be evolving too. Definitely worth researching or asking a tax pro about your specific state's treatment of online gambling income.
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Just a heads up on the marketplace HDHP option - make sure you check the deductible amounts carefully! Not all "high deductible" plans on healthcare.gov actually qualify as HDHPs for HSA purposes. For 2024, a qualifying HDHP needs to have a minimum deductible of $1,650 for self-only coverage and a maximum out-of-pocket limit of $8,050. I nearly messed this up when I was shopping for plans.
Also, don't forget that losing your employer coverage qualifies as a Special Enrollment Period (SEP) on the marketplace, so you'll have 60 days after your coverage ends to enroll. But like others mentioned, you'll want new coverage to start by Nov 1st to maintain eligibility.
Great question about the HSA last-month rule and job transitions! I went through something similar a few years ago and learned a lot about maintaining eligibility during the testing period. One thing I'd add to the excellent advice already given is to consider the network differences between your current plan and potential new coverage. If you have any ongoing medical needs or preferred providers, COBRA might be worth the extra cost to maintain your existing network relationships through the end of the year. Also, when comparing marketplace HDHPs, pay close attention to the HSA contribution limits if the plan comes with an HSA from a different provider. Some HSA administrators have higher fees or limited investment options compared to others. Since you're only looking at a few months of coverage, the fees might not matter much, but it's worth checking. The timing advice others have shared is spot-on - you have until October 31st to remain HSA-eligible after your coverage ends on the 10th, and you'll want new HDHP coverage starting November 1st. This gives you a comfortable window to shop and compare options without rushing into a decision.
This is really helpful context about the network considerations! I hadn't thought about that aspect. Since I'm generally healthy and don't have any ongoing treatments, I'm leaning toward the marketplace option to save money. But you make a good point about HSA provider fees - I should definitely compare those when looking at different plans. My current HSA has pretty low fees and decent investment options, so I'd hate to end up with a plan that forces me into a more expensive HSA administrator for just a few months of coverage.
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This thread has been incredibly helpful! I'm in a similar boat with my landscaping business - we have a multi-member LLC that owns two SMLLCs (one for lawn care, one for hardscaping). I've been stressing about this for weeks because my previous accountant moved and the new one I consulted gave me conflicting advice about whether I needed three separate 1065s. Reading through all these responses, especially the confirmation from actual IRS agents that some folks were able to reach, gives me confidence that we only need the one consolidated 1065. The tip about maintaining separate bank accounts even though they're disregarded entities is gold - we already do this but I was wondering if it was necessary. Sounds like it makes the consolidated filing much cleaner when everything is properly separated on the books even if it all flows to one tax return. Thanks everyone for sharing your experiences. This community is such a valuable resource for navigating these complex business structures!
I'm so glad this thread helped clarify things for you! I was in almost the exact same situation a few months ago with my property management business - multi-member LLC with three SMLLCs for different property types. The conflicting advice from different accountants was driving me crazy too. One thing I learned through this process is that many accountants default to the "safer" approach of separate filings because they're not as familiar with disregarded entity rules, especially when it comes to more complex structures. But the IRS guidance is actually pretty clear once you dig into it. Your setup with separate banking is perfect - it'll make that consolidated 1065 so much easier to prepare and will keep you organized if you ever need to provide documentation to the IRS or for any business purposes. Best of luck with your filing!
This is exactly the kind of detailed discussion I was hoping to find! I'm dealing with a very similar structure - a multi-member LLC that holds two SMLLCs for different aspects of our HVAC business (service calls vs. new installations). What really stands out to me from this thread is how many people initially got conflicting advice from their CPAs. It seems like there's a real knowledge gap among some tax professionals when it comes to disregarded entity rules in complex structures. The consensus here about only needing one 1065 filing matches what I found in the IRS regulations, but it's reassuring to hear from so many people who've actually implemented this approach successfully. I'm particularly interested in the point about state-level considerations that Paolo mentioned. We operate in multiple states, so I'll definitely need to research whether any of them treat these SMLLCs differently for state tax purposes, even if they're disregarded federally. Thanks to everyone who shared their experiences - this thread is going to save me a lot of headaches and probably some unnecessary filing fees!
Angelina Farar
Does anyone know if the 10-year rule applies in this situation or if you can stretch the distributions? I inherited my dad's IRA in 2022 also and my financial advisor is telling me I HAVE to empty it in 10 years, but I'm seeing conflicting info online.
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Sebastián Stevens
•The rules changed with the SECURE Act, but there are exceptions. If the original owner died after their Required Beginning Date (when they had to start RMDs), beneficiaries still need to take annual RMDs AND empty the account within 10 years. If they died before their Required Beginning Date, non-spouse beneficiaries just need to empty the account within 10 years, with no annual RMDs required during that period.
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Alexander Evans
The complexity of your situation actually highlights why many people struggle with inherited IRA rules. Since your father was 75+ when he passed in January 2022, he was definitely required to be taking RMDs, which means you'll need to continue taking annual distributions while also emptying the account within 10 years. The good news is that the IRS has been relatively lenient with inherited IRA penalties during 2022-2023 while they finalized regulations. Your court documentation showing when you actually gained control of the assets will be crucial evidence if any penalties are assessed. Here's what I'd recommend: First, contact the IRA custodian immediately to get a complete distribution history for your father's account - you need to know if he missed any RMDs before his death. Second, calculate your 2024 RMD based on the account balance as of December 31, 2023, and take it before year-end. Third, document everything related to your legal battle for control of the estate. The fact that you couldn't access the funds until 2024 due to legal proceedings should provide reasonable cause for any missed distributions. Just make sure you're current going forward and keep all your court documentation.
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Lucas Notre-Dame
•This is really helpful advice, thank you! I'm definitely going to contact the IRA custodian first thing Monday to get that distribution history. One question - when you mention calculating my 2024 RMD based on the December 31, 2023 balance, how do I figure out what that balance should be if my dad potentially missed RMDs before he died? Do I use the actual balance on that date, or do I need to calculate what it would have been if he had taken proper distributions? Also, since I only got control of my portion in June 2024 when it was rolled into the Inherited IRA, should I be calculating based on the full original account balance or just my 50% share?
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