个人报税Personal Tax Returns
联邦及各州个人所得税申报。工资、自雇、出租房、股票投资和多州收入，都由联邦注册税务师亲自准备和审核，用中文或英文把每个数字讲清楚。Federal and state individual income tax returns covering wages, self-employment, rental property, investments and multistate income, prepared and reviewed by an Enrolled Agent and explained in English or Mandarin.
这些情况，可以找我们Is this you?
我们为你处理What's included
联邦个人所得税申报Federal income tax return
逐项核对你能用的扣除和抵免，比如子女税收抵免、教育抵免和退休账户供款。We check every deduction and credit you qualify for, such as the child tax credit, education credits and retirement contributions.
州税申报State tax returns
德州没有州个人所得税，但在其他州有收入、远程为外州公司工作或年内搬家的，可能要报那个州的税。Texas has no state income tax, but income from another state, remote work for an out-of-state employer or a mid-year move can mean a state return elsewhere.
自雇及副业收入Self-employment income
整理业务收入和开支，计算自雇税，把能扣的费用都扣上。We organize business income and expenses, compute self-employment tax and claim the deductions you're entitled to.
出租房Rental property
租金收入、维修费、房贷利息、房产税和折旧，一年年接着算准。Rent, repairs, mortgage interest, property tax and depreciation, tracked correctly year after year.
投资收益Investment income
股票、基金和加密货币的买卖盈亏，以及利息和股息。Gains and losses on stocks, funds and crypto, plus interest and dividends.
季度预估税Estimated taxes
自雇或投资收入多的，帮你算好每季度要交多少，避免少缴罚款。If you're self-employed or have investment income, we work out quarterly payments so you avoid underpayment penalties.
非美国税务居民的房产申报Nonresidents with U.S. property
已离开美国或不在美国居住、但在美国有出租房的，每年需要申报非居民税表，我们可以为你办理。For owners who live outside the U.S. and have rental property here, we prepare the annual nonresident tax return.
你的报税资料清单Your document checklist
选出符合你的情况，下面会列出要准备的资料。不用一次备齐，预约后我们会再帮你核对。Pick what applies to you and the list below updates. You don't need everything up front; we'll go over it with you after we talk.
每个人都需要Everyone needs
- 带照片的身份证件（驾照或护照）Photo ID (driver's license or passport)
- 本人、配偶和受抚养人的 SSN 或 ITINSSNs or ITINs for you, your spouse and dependents
- 去年的报税表（新客户）Last year's tax return (new clients)
- 收退税用的银行账户和路由号码Bank account and routing number for your refund
- IRS 或州税局寄来的信件（如有）Any letters from the IRS or a state tax agency
有工资收入I have a job
- 雇主发的 W-2W-2s from each employer
自雇或副业Self-employed / side gig
- 1099-NEC、1099-K 等收入单1099-NEC, 1099-K and other income forms
- 全年业务收入和开支记录Income and expense records for the year
- 业务用车里程记录Business mileage log
- 已交的季度预估税金额和日期Estimated tax payments made, with dates
有子女或受抚养人Children or dependents
- 受抚养人的出生日期和 SSN 或 ITINDependents' birth dates and SSNs or ITINs
- 托儿费用收据，以及托儿机构的名称、地址和税号Child care receipts with the provider's name, address and tax ID
有自住房I own a home
- 房贷利息单（1098）Mortgage interest statement (1098)
- 房产税单Property tax bill
- 当年买房或卖房的成交文件Closing documents if you bought or sold this year
有出租房Rental property
- 全年租金收入Rent received for the year
- 维修、保险、管理费、HOA 等支出Repairs, insurance, management, HOA and other expenses
- 购房成交文件（第一年出租时）Purchase closing documents (first rental year)
股票、基金或加密货币Stocks, funds or crypto
- 券商的综合 1099（含利息、股息和买卖记录）Consolidated 1099 from each brokerage (interest, dividends, sales)
- 加密货币交易记录Crypto transaction history
- 银行利息单（1099-INT）Bank interest statements (1099-INT)
学费或学生贷款Tuition or student loans
- 学校发的学费单（1098-T）Tuition statement from the school (1098-T)
- 学生贷款利息单（1098-E）Student loan interest statement (1098-E)
退休金或社安金Retirement or Social Security
- 退休账户取款单（1099-R）Retirement distribution statements (1099-R)
- 社安金年度收入单（SSA-1099）Social Security benefit statement (SSA-1099)
- 当年的 IRA 供款金额IRA contributions for the year
通过 Marketplace 买医保Marketplace health insurance
- 1095-A 医保表Form 1095-A
非美国居民，在美国有房产Nonresident with U.S. property
- 护照，以及 SSN 或 ITINPassport, plus SSN or ITIN
- 当年在美国停留的天数Days spent in the U.S. this year
- 房产管理公司的全年租金明细Annual rent statement from your property manager
- 已被预扣税款的证明（如有）Proof of any tax withheld
- 全年费用：维修、保险、管理费、地税等Expenses for the year: repairs, insurance, management, property tax
- 第一年出租时的购房成交文件Purchase closing documents (first rental year)
- 当年卖房的成交文件和预扣税单Sale closing documents and withholding statement if you sold
有海外账户或收入Accounts or income abroad
- 每个海外账户全年最高余额Highest balance of each foreign account during the year
- 海外收入和在当地已交税的证明Foreign income and proof of foreign tax paid
海外账户和资产可能还需要单独申报，见海外收入、账户及资产申报。Foreign accounts and assets may need separate reporting. See foreign accounts & assets.
在上面选出你的情况，这里会加上对应的资料。Select your situation above to add the matching documents here.
请不要通过邮件、微信或网站表单发送社会安全号、护照或税表。预约后我们会提供加密上传方式。Please don't send Social Security numbers, passports or tax forms by email, WeChat or the website form. We'll share a secure upload link after we talk.
客户常问的问题Common questions
德州没有州所得税，我还要报州税吗？Texas has no income tax. Do I need a state return?
住在德州、收入也都在德州的，通常只报联邦。如果在其他州有出租房、为外州公司远程工作，或者年内从外州搬来，可能还要报那个州的税。If you live in Texas and all your income is from Texas, usually only a federal return is needed. Rental property in another state, remote work for an out-of-state employer or moving to Texas during the year can require a return in that state.
报税截止日期是哪天？可以延期吗？When is the deadline? Can I extend?
联邦个人报税一般是 4 月 15 日，遇到周末或假日顺延。可以申请延期到 10 月 15 日，但延期只是延后申报，欠的税还是要在 4 月 15 日前交，否则会有利息和罚款。Federal individual returns are generally due April 15, moved to the next business day if it falls on a weekend or holiday. You can extend to October 15, but an extension gives more time to file, not to pay. Tax owed is still due by April 15 to avoid interest and penalties.
我在国内还有银行账户或收入，怎么办？I still have bank accounts or income outside the U.S. What then?
美国税务居民要申报全球收入，海外账户超过门槛还要另外申报。请看海外收入、账户及资产申报。U.S. tax residents report worldwide income, and foreign accounts above certain thresholds need separate reporting. See foreign accounts & assets.
我已经不住在美国，但在美国有房子出租，还要报税吗？I no longer live in the U.S. but rent out a home here. Do I still file?
要。非美国税务居民在美国有房产收入，每年都要报非居民税表，需要 SSN 或 ITIN，没有的我们可以协助申请 ITIN。卖房时，买方一般要从成交价中预扣 15%；卖房后按实际收益申报，多扣的部分可以申请退回。Yes. Nonresidents with U.S. rental income file a nonresident return every year, using an SSN or ITIN; we can help you apply for an ITIN if you don’t have one. When you sell, the buyer generally withholds 15% of the sale price. After the sale, you file based on your actual gain and claim back any excess.
收费怎么算？How are fees set?
按申报的复杂程度收费。了解你的情况后，我们会在开始前报价。Fees depend on how complex your return is. We quote before any work begins.
说说你的情况Tell us about your situation
由张帆 Fan Zhang, EA, CAA 亲自跟进。服务 McKinney、Allen、Plano、Frisco、达拉斯，全美客户远程服务。欢迎来电或微信咨询，面谈需预约。Handled personally by Fan Zhang, EA, CAA. Serving McKinney, Allen, Plano, Frisco and Dallas, and clients nationwide remotely. Call or WeChat anytime. In-person meetings by appointment.
