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At Financial Unity Network Tax and Business Services, we believe that true strength comes from knowledge and unity. That’s why our mission is clear:
“Building Unity Through Financial Empowerment.”

Whether you’re an entrepreneur, individual, or family, our expert team is here to guide you with personalized tax solutions and business services designed to help you grow and succeed.
From maximizing your refund to strategic business planning, we’ve got your back—every step of the way!

Let’s work together to unlock your financial potential. 💼💰
Because when we unite, we ALL thrive.

📞 Call us today: 954-758-4103
📧 Email: [email protected]

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📌 Smart Tax Planning Starts Here

Stay Ahead. Stay Compliant. Save More.

As tax laws continue to change in 2025, proactive planning is key. Keeping your financial records organized year‑round can help maximize deductions, reduce stress during tax season, and avoid costly mistakes

✅ Our Tax Services Include:

Individual & Business Tax Preparation
Tax Planning & Strategy
IRS Letters & Resolution Support
Prior-Year & Amended Returns

Self‑Employed & Small Business Taxes
💡 2025 Tax Tip:
Organize your income, expenses, and receipts throughout the year. This ensures faster filing and helps you capture every credit and deduction you qualify for.

🌟 Why Choose Us?
Accurate & Reliable Service
Personalized Tax Solutions

Year‑Round Support

Confidential & Professional Care

Warm Holiday Wishes from Financial Unity Network! ✨

We are truly thankful for the trust and loyalty you’ve shown us—our clients, friends, and family make our community special.

As tax time approaches, we’re ready to support you with:
• Refund advance loans for faster cash in hand
• Speedy refund processing
• Multiple payment methods: debit, check, or direct deposit
• Great referral bonuses when you share our services

May your holidays be filled with joy, and your New Year bring prosperity! Let’s partner to ensure a smooth and rewarding tax season.

Questions or ready to begin? Call 954-758-4103, today.

— Financial Unity Network

Financial Unity Network
Building Unity Through Financial Empowerment
Tax and Business Services

2026 Tax Filing FAQ

Understanding OBBBA & “Low-Income” Tax Benefits

1. What is OBBBA?

The 'One Big Beautiful Bill Act (OBBBA)' is a tax law that 'keeps the current tax rates and deductions in place permanently'. It did not create new tax credits, but it helps keep taxes stable and predictable.

2. Does OBBBA define who is “low income”?

No.
OBBBA does **not** set one income amount that qualifies as “low income.”

Instead, 'each tax credit has its own income rules'. Your eligibility depends on 'which benefit you are claiming', not on OBBBA itself.

3. How does OBBBA help low-income taxpayers?

OBBBA helps by:

Keeping 'lower tax rates'(10% and 12%)
Keeping a 'high standard deduction'
Adjusting income limits for inflation each year

This means many people:
-Owe 'little or no federal income tax'
-Still qualify for 'refunds through tax credits'

4. What is the standard deduction for 2026?

The standard deduction reduces the amount of income you are taxed on.

For 2026 filings (amounts adjusted annually for inflation):

-Married Filing Jointly: High enough to shield most basic income
-Head of Household:** Higher than single filers
-Single Filers: Still historically high

👉 Many low-income taxpayers pay $0 in federal income tax before credits are applied.

5. What is the Earned Income Tax Credit (EITC)?

The EITC is a refundable credit for working individuals and families.

-Based on **income, filing status, and number of children**
-You can get a refund 'even if you owe no taxes'.
- Income limits increase slightly each year

👉 EITC is one of the 'largest refunds available' to low-income workers.

6. Will I still qualify for EITC in 2026?

Possibly, if:

-Your income is below IRS limits
- You worked and earned income
-You meet filing and residency rules

The IRS updates the 'income limits every year', so eligibility must be checked annually.

7. How does health insurance affect my taxes?

If you buy insurance through the Marketplace (Healthcare.gov):

- You may qualify for the **Premium Tax Credit**
- Eligibility is based on **household income compared to the federal poverty level**
- Usually between **100% and 400%** of the poverty level

👉 This credit can lower monthly premiums or increase your refund.

8. Does being in a low tax bracket mean I’m “low income”?

Not necessarily.
Tax brackets only show 'how your taxable income is taxed' after deductions.
They do not determine eligibility for credits like EITC or health subsidies.

9. Why do income limits change every year?

Income limits change because:
-The IRS adjusts them for **inflation**
-Poverty guidelines are updated annually
-Family size and filing status matter

👉 Always check eligibility 'each year', even if you qualified before.

10. Can OBBBA increase my refund?
OBBBA does 'not automatically increase refunds, but it:
-Helps protect refunds by keeping credits in place
-Prevents sudden tax increases
-Allows more income to remain untaxed
Your refund depends on:
- Income
- Credits claimed
- Filing status
- Dependents

11. What’s the biggest mistake low-income taxpayers make?
Common mistakes include:
* Not claiming credits they qualify for
* Filing incorrectly as single instead of head of household
* Missing income or dependent documentation
* Using paid preparers who don’t maximize credits

12. What should I do to protect my refund?
✔ File accurately
✔ Report all income
✔ Claim eligible credits
✔ Use trusted or free tax help
✔ Ask questions before filing
Need help?

If you’re unsure how OBBBA or tax credits apply to you, speak with a qualified tax professional or contact Financial Unity Network.

What OBBBA does for LOW-INCOME taxpayers in 2026

✔ Keeps taxes PREDICTABLE
✔ Prevents tax brackets from shrinking
✔ Protects refunds by:
-Keeping credits intact
-Shielding income with a higher standard deduction
✔ Reduces the chance of sudden tax increases for working families

What OBBBA does NOT do in 2026

✘ Does not create a single low-income threshold
✘ Does not automatically increase refunds
✘ Does not replace IRS income tests
✘ Does not change how EITC or health credits are calculated

Bottom line for 2026 filers

-OBBBA keeps the tax rules 'stable and predictable'
- “Low income” still depends on 'the specific tax credit'
- Most low-income taxpayers benefit because:
* Less income is taxed
* Credits still apply
* Refunds remain available for eligible workers and families

For more contact Financial Unity Network.

2026 TAX FACTS
OBBBA does not create a new “low-income” definition. Instead, it 'keeps the current tax system in place' and continues adjusting it for inflation. Whether you are considered “low income” still depends on which tax credit or benefit you’re claiming, not on OBBBA itself.

What stays the same in 2026 under OBBBA
1. Tax brackets stay permanent

OBBBA made the current tax brackets 'permanent', meaning:

-The 10% and 12% brackets still apply to lower incomes
-Income limits for each bracket 'increase slightly every year' due to inflation

👉 Being in a low tax bracket "does not define low income'—it only determines **how your taxable income is taxed**.

2. The standard deduction stays high (and increases with inflation)

For 2026 filings:

-The 'standard deduction remains historically high'
- It increases slightly each year to keep up with cost of living

This means:

A large portion of your income is **NOT TAXED AT ALL**
-Many low-income filers still owe **$0 in federal income tax** before credits.

👉 This is one of the **biggest benefits for low-income taxpayers** under OBBBA.

How “low income” is still measured in 2026

3. Earned Income Tax Credit (EITC)

For 2026:
EITC **still uses income limits**
Limits depend on:
* Filing status
* Number of qualifying children
* Adjusted Gross Income (AGI)

The exact dollar amounts will be higher than 2024, because they are:
- Adjusted annually for inflation
- Published by the IRS each year

👉 If your income stays in the same range, you may still qualify—and possibly for a **LARGER CREDIT**.

4. Premium Tax Credit (health insurance)
For Marketplace health insurance in 2026:
-Eligibility is still based on 'household income as a percentage of the federal poverty level'
- Usually between **100% and 400% of the poverty level**
- Adjusted yearly based on:
- Family size
- State
- Updated poverty guidelines

👉 OBBBA does not change this system.

5. Federal poverty guidelines still guide benefits

Programs continue to use poverty levels as a reference point, such as:
-150%
- 200%
- 300% of the federal poverty level

These numbers:
-Change every year
-Are NOT set by OBBBA
-Are used to decide eligibility for credits and assistance