RefundCPA

💡 DID YOU KNOW…?

Yes — “loopholes” exist in the tax code… but they’re really built-in exceptions designed to help you when life happens.

👉 One of the biggest ones involves your retirement account withdrawals.

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📌 Example of a Tax Code Exception:

Normally, if you withdraw money early from a retirement plan like a
401(k) retirement plan or an
Individual Retirement Account (IRA) before age 59½…

🚫 You pay a 10% early withdrawal penalty
💸 PLUS regular income taxes

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BUT HERE’S THE EXCEPTION 👇

There are 10 situations where that 10% penalty is waived:

💥 That means you can access your money without the penalty — if you qualify.

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🧠 The Real Message:

This isn’t a “loophole”… it’s the tax code giving you flexibility when you need it most.

The difference between paying penalties and keeping your money often comes down to:
✔️ Knowing the rules
✔️ Timing your withdrawals
✔️ Having the right strategy

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📣 Don’t assume you’ll be penalized — you may qualify for an exception.

Let’s make sure you withdraw smart, not costly.

📲 813-685-8400
🌐 www.TracieLoweCPA.com

Tracie Lowe, CPA
Because knowing the rules changes the outcome 💼✨

$20,000: They Thought They Was Gone… But They Are Still Here.

Today, I processed refund resettlements for William — 90 — and Jane 103 who are very much alive.

This happens more often than people realize. As individuals age, institutions holding funds sometimes assume a person is deceased due to:
✔️ Age thresholds
✔️ Inactive accounts
✔️ Outdated records

And just like that… funds get flagged, restricted, or misclassified.

I’ve seen it firsthand.

✔️ William — 90 alive and well
✔️ Jane — 102 years young

Together, they recovered a total of $20,000 💰

Both required intervention to correct the record and recover what was rightfully theirs.

This is why proper review and verification matters.
Not assumptions. Not automation. Real due diligence.

At RefundCPA, we don’t just process claims — we investigate, validate, and advocate.

Because every name has a story… and every story deserves to be handled correctly.

If you’ve received a notice or have an elderly family member — don’t ignore it. There’s a reason we reached out or reach out to us.

📞 813-685-8400
🌐 RefundCPA.com
📍 Office Riverview

Tracie Lowe, CPA
Credentialed State of Florida Trustee

📬 RefundCPA Selection Process – What It Means When You Hear From Us

At Tracie Lowe, CPA – RefundCPA, our process is built on precision, research, and legitimacy.

We are a small, highly focused firm, and we do not conduct mass outreach. Each week, we carefully select less than 1% of claimants for contact.

👉 If you receive a mailed letter from our office, it is not random.

It means:

✔️ Extensive research has already been completed on your behalf
✔️ Your case has been reviewed and validated
✔️ A legitimate refund settlement opportunity has been identified in your name

We do the work before we ever reach out. That is what sets our process apart.

⚠️ Important:
Receiving a letter from RefundCPA means you have been intentionally selected, not broadly solicited.

📌 Your Next Step:
If you’ve received our letter, it’s time to move forward:

• Confirm your identity
• Complete the required processing steps
• Secure your refund settlement

This is a professional, structured process designed to protect and properly release your funds.

📞 813-685-8400
🌐 RefundCPA.com
📍 Tampa Bay Offices | Serving Nationwide & Expats

Tracie Lowe, CPA
Where research meets results — and legitimacy leads the process.

⏳Three-Minute Thursday ⏳|
Definition: “Taxable Income” 💵

It’s Three-Minute Thursday, and today’s quick definition can save you from BIG mistakes this tax season.

📘 Definition of the Month: Taxable Income

Taxable income is the amount of your income the IRS uses to calculate how much tax you owe after subtracting adjustments, deductions, and eligible credits.

Not your salary.
Not your gross receipts.
Not the number you “think” you made.
It’s the final number that matters most.

Why it matters:

So many taxpayers assume their tax bill is based on their total money earned. Not true. When you understand what actually reduces your taxable income—like business expenses, S-Corp strategies, HRAs, retirement contributions, and credits—you stop leaving money on the table.

Your Three-Minute Takeaway:

✔️ Learn what counts as taxable income
✔️ Track deductions year-round
✔️ Don’t wait until tax season to strategize

Your tax bill changes when your tax knowledge does.
— Tracie Lowe, CPA