Your personal return, prepared and explained
- To
- You
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- Blaga Veleva, EA
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- Individual returns
Blaga Veleva, EA, prepares individual federal returns (Form 1040) for Houston families, retirees, employees and investors, including returns for past years you never filed. She reviews your withholding and deductions, files electronically, and explains every line before you sign. Because Texas has no personal income tax, the federal return is usually the only one you need.
What does an individual return cover here?
It covers the full Form 1040 and the schedules that come with real life. Wages, interest, dividends, brokerage sales, retirement distributions, Social Security, rental houses, education costs, dependents and itemized deductions all fit here.
If you also earn freelance or 1099 income, the self-employed page covers the extra pieces. If you are handling a parent's estate or a family trust, that return is separate: see estate and trust returns.
Why have an Enrolled Agent prepare a simple return?
Because simple returns still get letters. Software can fill boxes, but it cannot tell you that your withholding is off by a paycheck a month, or that a 1099 the IRS has on file never made it into your stack. Blaga reads the return as the IRS would before it goes in.
And if a letter arrives anyway, she can answer it. Enrolled Agents have "unlimited practice rights" before the IRS (IRS), so the preparer and the representative are the same person.
Can you file returns for years you skipped?
Yes. Prior-year returns are prepared with the tax law of that year, using wage and income records the IRS already holds when your own papers are gone. Filing sooner matters: the IRS failure-to-file penalty is "5% of the tax due... for each month or partial month the return is late," up to 25% (IRS failure to file penalty).
If you owe for those years, the back taxes page explains the options for paying. If several years are missing, start with unfiled returns.
Is your withholding working against you?
It might be, in either direction. A big refund means you overpaid all year and lent that money to the government at no interest. A balance due every April can mean too little is coming out. Blaga looks at your W-4 situation and shows you how to change it, so your paycheck matches what you will actually owe. That kind of forward look is the bridge into tax planning.
What should you bring or upload?
- Last year's return, if someone else prepared it.
- W-2s, 1099s (interest, dividends, brokerage, retirement, SSA-1099) and any 1098 for mortgage interest or tuition.
- Records for rentals, charitable gifts, medical costs and property taxes if you itemize.
- Any IRS letter you received this year.
- Photo ID and Social Security numbers or ITINs for everyone on the return.
Missing something? Bring what you have. Gaps can often be filled from the IRS's own records.
What if you owe and cannot pay in full?
File on time anyway, then sort out payment. Filing stops the larger failure-to-file penalty from building, and the IRS offers payment plans. Individuals can apply online for a long-term plan if they owe $50,000 or less in combined tax, penalties and interest and have filed all required returns, and a short-term plan of 180 days or less has a $0 setup fee (IRS payment plans). The installment agreement page walks through the choices.
Penalty relief may also be possible: First Time Abate for earlier years, and the IRS's new Automatic Exemption from Penalty for 2025 and later returns.
A client, in their own words
“Blaga was extremely professional and always responded to my texts/emails very quickly. She was very fast with preparing my taxes — less than 1 week! Her prices are very reasonable as well. I highly recommend Tax and Business Solutions for all your tax needs. I will definitely use her services again and gladly refer her to friends and family.”
Questions people ask
Q1Can I file prior-year returns with a preparer?
Yes. Each past year is prepared on that year's forms and rules. Late returns can still carry penalties, and penalty relief may be available: First Time Abate for earlier years and the IRS's new Automatic Exemption from Penalty for 2025 and later returns.
Q2Do I need to file a Texas state return?
Not for personal income. Texas does not have a personal income tax, so Houston residents usually file only the federal return. If you lived or worked in another state during the year, that state may want its own return, so mention it.
Q3My return is just a W-2. Is it worth paying someone?
Many people decide yes for the review alone: someone who checks withholding, credits and income the IRS already knows about. Ask about the fee during the free consultation and decide with the number in front of you.
Q4Can I send my documents without coming in?
Yes. Upload them through the secure client portal, talk by phone, and sign electronically. You can also bring them to 5629 FM 1960 West, Suite 221, if you prefer to sit across the desk.
Q5We married, divorced or had a baby this year. What changes?
Possibly your filing status, the credits you can claim, and how much should be withheld from each paycheck. Mention any big life event when you book, so the return reflects it and your withholding is reset for the new year before the next April surprise.