Your Complete Tax Preparation Checklist for 2026

Walking into a tax appointment unprepared means missed deductions, longer filing times, and potential errors that could trigger IRS scrutiny. After 48 years of preparing returns for individuals and businesses in Hendersonville and across Sumner County, I've compiled the definitive checklist of what to bring to your tax appointment.

Whether you're a W-2 employee, a small business owner, or a retiree with investment income, this guide covers what you need to file an accurate return and maximize your refund.

Personal Information

Start with the basics. Even if you've been a client for years, confirm that we have your current information on file.

• Social Security numbers for you, your spouse, and all dependents
• Date of birth for each family member on the return
• Current mailing address (if it changed since last year)
• Bank routing and account numbers for direct deposit refunds
• Copy of last year's tax return (if you're a new client)
• Valid government-issued photo ID

Income Documents

The IRS receives copies of every income form issued to you. If you leave one out, the discrepancy will generate a notice. Gather all income documentation, including forms you might not expect.

• W-2 forms from all employers
• 1099-NEC or 1099-MISC for freelance or contract work
• 1099-INT and 1099-DIV for interest and dividend income
• 1099-B for stock sales and investment transactions
• 1099-R for retirement distributions (IRA, 401k, pension)
• 1099-SSA for Social Security benefits
• 1099-G for state tax refunds or unemployment compensation
• K-1 forms from partnerships, S-corporations, or trusts
• Rental income records and expense documentation

Deduction Documentation

Tennessee doesn't have a state income tax on wages, but federal deductions still matter significantly. For many Hendersonville residents, the choice between standard and itemized deductions can mean thousands of dollars.

• Mortgage interest statement (Form 1098)
• Property tax statements from Sumner County
• Charitable donation receipts (cash and non-cash)
• Medical and dental expense records exceeding 7.5% of AGI
• Student loan interest statement (Form 1098-E)
• Tuition statement (Form 1098-T)
• Childcare expenses and provider information (for Child and Dependent Care Credit)
• Educator expenses if you are a teacher (up to $300 for 2025)

Business Owners: Additional Documents

If you operate a business in Hendersonville or Sumner County, whether as a sole proprietor, partnership, or corporation, bring these additional items to your appointment.

• Profit and loss statement for the year
• Balance sheet as of December 31
• Business expense receipts organized by category
• Vehicle mileage log for business use
• Home office measurements (if claiming home office deduction)
• Equipment purchase records for depreciation
• Payroll reports if you have employees
• Estimated tax payment records (dates and amounts paid)

Commonly Overlooked Deductions

In 48 years of practice, I've seen clients leave money on the table because they didn't think to bring documentation for these items.

• Sales tax on major purchases (vehicles, boats, home improvements)
• Unreimbursed casualty or theft losses in federally declared disaster areas
• Energy-efficient home improvement credits (new in recent years with expanded limits)
• Health Savings Account (HSA) contributions
• IRA contributions made before the April filing deadline
• Moving expenses for active-duty military

What Happens at Your Appointment

When you visit our office at 102 Iris Dr, Suite B in Hendersonville, you'll sit down directly with an experienced tax professional. We review every document, ask follow-up questions about life changes (new home, new child, new business, retirement), and identify deductions and credits that apply to your specific situation.

Most individual returns are completed in a single appointment. Business returns with bookkeeping coordination may require a follow-up, but we'll tell you up front what to expect.

Schedule Your Appointment

Owen's Tax Service is open year-round, not just during tax season. Whether you're filing on time, need an extension, or want to start planning for next year, call (615) 826-2956 or contact us online to schedule your appointment.