JCB Financials

Up to $5,120 of the Adoption Tax Credit Is Refundable for 2026 – Did You Know?

The Adoption Tax Credit helps eligible families manage qualified costs such as adoption fees, travel, legal services and home studies. In recent years, the credit was nonrefundable: it could reduce a person's federal income tax, but any unused amount generally had to be carried forward.

Under rules that took effect in 2025, part of the credit is now refundable. For tax year 2026, up to $5,120 per eligible child may be refundable, even if the taxpayer owes no federal income tax. Any unused nonrefundable portion may be carried forward for up to five years, but a carryforward cannot become refundable in a later year.

The Adoption Tax Credit is subject to income limits and other restrictions, and the timing of a claim depends on the circumstances of the adoption. A tax professional can help determine whether you qualify and how much credit you may claim.

There’s a big difference between having your taxes done and having them planned. Without a plan, tax season is a reaction to what happened the year before. You find out the amount after the year is over, when there’s nothing left to change. With a plan, you see it coming months out and make moves that lower your bill while you still can.

JCB Financials offers tax planning services that take you from reacting when taxes are due to deciding all year long.

At JCB Financials, we handle payroll with precision and compliance to help Fresno businesses avoid expensive mistakes. Payroll mistakes can result in fines, missed tax deadlines, employee dissatisfaction, and even legal trouble—and that’s why it matters to get it right.

With trusted expertise as a Licensed Enrolled Agent, we support your bookkeeping, payroll, and taxes so you can focus on running your business.

☎️ Contact us today to learn more!

At JCB Financials, we specialize in expert tax preparation, ensuring your returns are complete, accurate, and compliant. With years of experience organizing financial records, calculating income and deductions, and learning the complexities of ever-changing tax laws, our Fresno tax preparation services give you peace of mind and maximize your refund potential.

☎️Contact our experts today to learn more!

New Instant Quote Calculator is now live!

We’re excited to introduce our new instant quote calculator—built to make it easier for you to see transparent rates for our services.

With this update, you can now get estimates for bookkeeping and payroll directly through the calculator, so you’re not left guessing or waiting to understand pricing.

Here’s how it works:
- Choose the service(s) you need
- Enter a few details about your business
- Get an instant quote with clear pricing

If you have questions while using the calculator, just message us—we’re happy to help you confirm the best fit for your needs.

🔗 Try the calculator here: www.jcbfinancials.com/live-quote/

Online Scam Alert (Shopify Email / IRS Tax Scam)

A client recently received a fake Shopify email and was tempted to respond. We want to share a reminder to help everyone stay safe.

What to do if you receive a suspicious email:
1) Do not click any links in the email.
2) Do not reply to the email.
3) Do not share any login or personal information.
4) Instead, log into your account directly by typing the website address yourself, then review your account activity.

If needed, contact the vendor using the official support options inside your account (not through the email).

IRS scam reminder:
The IRS is also reporting that many taxpayers are becoming victims of online scams.
The IRS will never call, text, or email you. All IRS communication is sent through U.S. Mail.

Most common IRS notices begin with: CP or LT (examples: CP2000, CP504, LT16, LT11).

We’re here to help:
We provide monthly monitoring for any unusual account activity, new notices, or pending audit indicators. Monitoring helps you address concerns immediately, rather than waiting for a letter in the mail—which can help reduce penalties and interest.

If you’re unsure whether something is legitimate, reach out to us—we’re happy to help you verify.

Reconciling your bank accounts is an important part of ensuring all of your finances are in order. By matching your internal records to your bank statements, you can catch what might become costly errors, fraudulent transactions, and any discrepancies that prevent your books from being totally accurate and compliant. Bank reconciliation, however, is no small task for a busy business owner like yourself. That’s why at JCB Financials, we offer expert bank reconciliation services designed to help you ensure your books are organized, accurate, and compliant.

Contact us today to learn more!

Running your books shouldn’t feel like a second job.

I’m a Licensed Enrolled Agent (EA) with 20+ years of experience helping small to mid-size businesses stay organized and tax-compliant.

I help with: bookkeeping, sales tax, payroll, business tax prep, and IRS audit representation.

Industries: Construction, manufacturing, restaurants, and more.
Remote + secure online document storage.
Free 15-minute discovery call.

Comment “BOOKS” or DM me for a no-obligation quote.
www.jcbfinancials.com