OnPoint Tax Relief, Inc.

09/30/2026

💡 Did You Know?

Owing the IRS $25,000 does NOT necessarily mean you have to write a $25,000 check today. 😳

That number on the IRS notice tells you what the IRS says you owe. It does not tell you what resolution options may be available to you.

Depending on your financial circumstances, you may qualify for options such as:

💰 An installment agreement
🤝 An Offer in Compromise
⏸️ Currently Not Collectible status
📄 Penalty relief
⚖️ Other IRS collection alternatives

Here’s the important part: your income, expenses, assets, equity, compliance, and ability to pay can all matter when determining your options.

So before you panic over the number on that notice… 🛑

Get the facts. Understand your options. Then make your financial decision. 💚

Sometimes the amount you owe and the amount you ultimately have to pay are two very different conversations. 😉

— Tracie Lowe, CPA

📞 813-685-8400
🌐 TracieLoweCPA.com

CPA TaxRelief

09/30/2026

💡 Did You Know?

Owing the IRS $25,000 does NOT necessarily mean you have to write a $25,000 check today. 😳

That number on the IRS notice tells you what the IRS says you owe. It does not tell you what resolution options may be available to you.

Depending on your financial circumstances, you may qualify for options such as:

💰 An installment agreement
🤝 An Offer in Compromise
⏸️ Currently Not Collectible status
📄 Penalty relief
⚖️ Other IRS collection alternatives

Here’s the important part: your income, expenses, assets, equity, compliance, and ability to pay can all matter when determining your options.

So before you panic over the number on that notice… 🛑

Get the facts. Understand your options. Then make your financial decision. 💚

Sometimes the amount you owe and the amount you ultimately have to pay are two very different conversations. 😉

— Tracie Lowe, CPA

📞 813-685-8400
🌐 TracieLoweCPA.com

OnPoint Financiala & Legal Services

09/26/2026

🏆 WIN OF THE DAY 🏆

What started as a 60-minute consultation turned into a full financial turnaround strategy.

During our meeting, we addressed:

✅ Credit card debt relief options
✅ IRS tax relief and resolution concerns
✅ And most importantly — a potential $7,000 tax refund identified after reviewing a previously prepared tax return.

The return had been prepared by a tax preparation agency in North Carolina. After reviewing the numbers, Tracie Lowe, CPA identified issues that warrant an amended return — and approximately $7,000 that may be coming back to the taxpayer once the correction is properly filed and processed.

That is why a second set of experienced eyes matters.

Sometimes the biggest financial win isn’t creating something new. It’s finding what was missed.

One 60-minute consultation.
Multiple financial solutions.
One corrected tax return potentially worth approximately $7,000.

This is what happens when you move beyond simply preparing a tax return and actually review the taxpayer’s complete financial picture.

Tracie Lowe, CPA
Over 30 Years of Experience
📞 813-685-8400

07/13/2026

📨Today’s mail included another stack of IRS notices for my clients who need help, answers, and a clear plan. Yes, this is really my desk top😌

An IRS notice should never be ignored. The sooner it is reviewed, the more options you may have to protect your income, bank account, property, and peace of mind.

You do not have to handle the IRS alone. Let Tracie Lowe, CPA review the notice, explain what it means, and respond on your behalf.

Contact me now:
📞 813-685-8400
🌐 OnPointTaxRelief.com

I protect you from the IRS.

04/29/2026

Tracie Lowe is a Certified Public Accountant (CPA), financial strategist, and business leader known for helping individuals and businesses navigate complex financial situations with confidence.

She is the owner of multiple brands including:

* OnPoint Tax Relief – specializing in IRS resolution and tax strategy
* OnPoint Financial Services – providing accounting, audit, and advisory services
* RefundCPA – focused on locating and processing refund settlements and unclaimed funds

With over 30 years of experience, including time at a Big 4 firm and serving as a Corporate CFO for a multi-million-dollar global company, Tracie brings both high-level corporate expertise and real-world problem-solving to her clients.

Today, she is recognized for:
✨ Turning complex tax situations into clear strategies
✨ Helping clients legally minimize what they owe and protect their income
✨ Providing year-round support—not just during tax season
✨ Building businesses and teaching financial literacy through initiatives like OnPoint Futures

At her core, Tracie Lowe is more than a CPA—she’s a financial advocate, strategist, and educator committed to helping people gain control of their financial future.

04/16/2026

🚨 Missed the Tax Deadline… Now What?
Answers From Tracie Lowe, CPA

So April 15th came and went… and you didn’t file. Now what? First—don’t panic. This happens more often than you think, and there are still smart steps you can take right now.

If you missed the deadline, the most important thing you can do is FILE YOUR RETURN ASAP. Even if you cannot pay the balance, filing reduces one of the biggest penalties. The IRS charges a higher penalty for not filing than for not paying—so getting that return submitted is your first win.

Next, if you owe, don’t ignore it. The balance will continue to grow with penalties and interest, but there are options. You may qualify for payment plans, temporary holds, or even reductions based on your situation. The key is to take action early before the IRS takes action on you.

And here’s the truth most people don’t realize—waiting only limits your options. The sooner you address it, the more control you keep over the outcome.

📞 Call to Action:
Don’t sit in stress or confusion. Let’s fix it. Contact Onpoint Tax Relief today for your free consultation.
📲 813-685-8400
🌐 www.TracieLoweCPA.com

04/15/2026

🚨 Answers From The CPA: What Are the Main IRS Penalties on Tax Day? 🚨

Tax Day is here… and the IRS has a few “surprises” if you don’t meet your obligations. Let’s break this down in a simple way so you know exactly what to avoid:

⸻

1. Failure to File Penalty 📄
This is the BIG one.
If you don’t file your tax return on time, the IRS charges 5% per month of the unpaid taxes — up to 25% total.

👉 Translation: Not filing is worse than not paying.

⸻

2. Failure to Pay Penalty 💸
Filed your return but didn’t pay?
You’ll be charged 0.5% per month on the unpaid balance.

👉 This is much lower than not filing — so always FILE even if you can’t pay!

⸻

3. Interest Charges 📈
On top of penalties, the IRS adds daily interest on what you owe.

👉 The longer you wait, the more it grows — like a bill that never sleeps.

⸻

4. Accuracy-Related Penalty ⚠️
Made errors or underreported income?
You could face a penalty of 20% of the underpaid amount.

👉 This is why guessing on your taxes is expensive.

⸻

5. Late Payment on Extensions ⏳
An extension gives you more time to FILE…
❌ NOT more time to PAY.

👉 If you don’t pay by Tax Day, penalties and interest still apply.

⸻

💡 CPA TIP:
If you can’t pay your full balance — FILE anyway and set up a payment plan. This reduces your penalties significantly.

⸻

📣 Call to Action:
Don’t let penalties take your hard-earned money.

Contact Onpoint Tax Relief for a FREE consultation
📞 813-685-8400
🌐 www.TracieLoweCPA.com

Tracie Lowe, CPA — Bringing You Tax Freedom 💼✨

04/15/2026

🚫 What NOT to Do: Skip Filing Your Taxes Because You Can’t Pay 🚫

Let’s clear this up—because this mistake costs people more money every single year.

Too many taxpayers avoid filing by the deadline because they don’t have the money to pay the Internal Revenue Service.

❌ BIG mistake.

Here’s why:

👉 The IRS actually penalizes you more for not filing than for not paying.
👉 The failure-to-file penalty can be up to 5% per month of what you owe.
👉 The failure-to-pay penalty is much lower—typically 0.5% per month.

💡 Translation:
If you don’t file, your balance grows 10x faster in penalties.

⸻

✅ What you SHOULD do instead:

✔️ File your return on time — even if you can’t pay a dollar
✔️ Set up a payment plan with the IRS
✔️ Stay compliant to keep your options open for relief programs

⸻

💬 Real Talk from Tracie Lowe, CPA:
Not filing doesn’t make the problem disappear… it makes it more expensive.

The IRS is much easier to work with when you’re compliant. Filing shows good faith—and that matters when negotiating.

⸻

📌 Bottom Line:
File now. Pay later if you must.
But don’t let fear turn a manageable situation into a financial setback.

⸻

📲 Call to Action:
Contact Onpoint Tax Relief today for a FREE consultation and let’s get you back on track the right way.

📲 Tracie Lowe, CPA
🌐 www.TracieLoweCPA.com
📞 813-685-8400

04/11/2026

Here are the Top 5 Items to Bring to Your CPA Appointment for Taxes:

1. All Income Documents
Bring every form that shows income earned during the year—W-2s, 1099s, business income records, rental income, retirement distributions, and any side income. If it paid you, bring it.

2. Deduction & Expense Records
Include receipts, mileage logs, home office expenses, childcare costs, medical expenses (if applicable), and any business-related purchases. Proper documentation helps ensure you don’t miss valuable deductions.

3. Prior Year Tax Return
Your previous tax return helps your CPA track carryovers, credits, filing status, and ensures consistency year to year.

4. Identification & Family Documentation
Bring a valid federal ID (driver’s license or state ID) and Social Security cards for yourself, spouse, and dependents. For minors, also include birth certificates to verify dependent information.

5. Court or Custody Documents (If Applicable)
If there are shared custody arrangements or legal agreements, bring any court orders or custody documentation. This helps determine who can legally claim dependents and ensures proper filing compliance.

Being prepared helps your CPA work more efficiently and helps you avoid delays, corrections, or missed opportunities.

— Tracie Lowe CPA

04/11/2026

A dormant trust can completely destroy the reason you created it.

If no one is watching the accounts or knows where the documents are, the assets inside the trust may eventually be turned over to the state as unclaimed property. When that happens, your full intent to transfer those assets to your loved ones through the trust can be lost, delayed, and become much more expensive to recover.

3 things every family should do today:

✔️ Make sure the trustee has the signed trust documents and knows where they are stored.

✔️ Monitor the trust bank and investment accounts regularly so they do not become dormant.

✔️ Name an alternate trustee in case the first trustee cannot serve.

You worked too hard to build your assets. Don’t let a dormant trust leave your family fighting the state to recover what was meant for them.

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