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  • Declaración de impuestos 2026: 7 consejos clave para familias

    La temporada de impuestos llega todos los años, pero para mucha gente sigue sintiéndose como un juego de adivinanzas. ¿A qué créditos puedes acceder? ¿Estás dejando dinero sin reclamar? ¿Conviene presentar la declaración cuanto antes o esperar?

    Si trabajas duro para llegar a fin de mes y quieres aprovechar al máximo tu declaración de impuestos, esta información es para ti. En Titan Tax llevamos más de una década ayudando a familias de Cincinnati, Dayton, Nashville y Cleveland a recibir cada dólar que les corresponde. Estas son algunas de las cosas que nos gustaría que más personas supieran antes de presentar sus impuestos.

    1. El Crédito Tributario por Ingreso del Trabajo puede representar miles de dólares

    El Crédito Tributario por Ingreso del Trabajo, conocido como EITC por sus siglas en inglés, es uno de los créditos fiscales más importantes para trabajadores con ingresos bajos o moderados. También es uno de los que más personas dejan de reclamar o reclaman de forma incorrecta.

    Para el año fiscal 2026, el EITC puede alcanzar hasta $8,231 si tienes tres o más hijos que cumplen con los requisitos. Con dos hijos, el máximo es de $7,316. Con un hijo, $4,427. Y aunque no tengas hijos, podrías calificar para hasta $664.

    Esos son los montos máximos, no una cantidad garantizada. Lo que realmente recibes depende de tus ingresos, tu estado civil al presentar y cuántos dependientes califiquen.

    ¿Por qué tanta gente lo pierde? Porque las reglas cambian todos los años, los límites de ingresos son específicos y un pequeño error, como declarar incorrectamente a un dependiente o elegir un estado civil equivocado al presentar la declaración, puede hacer que pierdas el crédito o recibas un reembolso menor.

    Esta es una de las razones por las que trabajar con un preparador de impuestos profesional puede hacer una gran diferencia. Nosotros conocemos los cambios del EITC y revisamos cada situación posible para asegurarnos de que recibas el monto máximo para el que calificas.

    ¿Quién puede calificar? Tienes que haber recibido ingresos por trabajo, ya sea como empleado, trabajador independiente o mediante trabajos por cuenta propia o aplicaciones. También necesitas un número de Seguro Social válido y cumplir con los límites de ingresos correspondientes a tu situación. ¿Soltero y sin hijos? Igual podrías calificar. ¿Madre o padre soltero con dos hijos? Es muy probable que sí.

    Un detalle importante: el EITC requiere número de Seguro Social válido, así que quien declara con un ITIN no califica para este crédito en particular. Eso no significa que no te convenga declarar. Hay otros créditos y deducciones que sí aplican, y presentar tu declaración tiene beneficios más allá del EITC.

    2. Si tienes hijos, el Crédito Tributario por Hijos es dinero que te corresponde

    Para el año fiscal 2026, el Crédito Tributario por Hijos es de hasta $2,200 por cada hijo que cumpla con los requisitos y sea menor de 17 años.

    Mucha gente no sabe que este crédito es parcialmente reembolsable. Hasta $1,700 por hijo pueden devolverse como reembolso a través del Crédito Tributario Adicional por Hijos. En otras palabras, aunque tu deuda de impuestos sea de $0, todavía podrías recibir dinero.

    Lo importante es presentar correctamente la declaración e incluir a todos los dependientes que legalmente tienes derecho a reclamar.

    Si compartes la custodia de tus hijos, la situación puede ser un poco más complicada y es todavía más importante hacerlo bien. Dos personas no pueden reclamar al mismo menor: si eso pasa, el IRS revisa el caso y retrasa los dos reembolsos. En Titan Tax podemos ayudarte a determinar quién debe reclamar al menor y cómo asegurarte de que el crédito se aplique correctamente.

    3. Presentar como Cabeza de Familia puede aumentar considerablemente tu reembolso

    Si eres madre o padre soltero, o mantienes económicamente a un familiar que vive contigo, podrías calificar para presentar tu declaración como Cabeza de Familia (Head of Household) en lugar de hacerlo como Soltero (Single). Y esta diferencia puede tener un impacto mucho mayor de lo que parece.

    El estado de Cabeza de Familia ofrece una deducción estándar más alta y tasas impositivas más bajas que la categoría de Soltero. Esa deducción estándar mayor reduce directamente la parte de tus ingresos sobre la que pagas impuestos y puede traducirse en un reembolso más alto.

    Los requisitos son bastante claros: tienes que haber pagado más de la mitad de los gastos necesarios para mantener tu hogar durante el año y contar con un dependiente que cumpla con los requisitos.

    Si esa es tu situación, no presentes como Soltero. Es uno de los errores más comunes que vemos y puede hacerte perder dinero.

    4. Los ingresos por trabajos independientes también deben declararse, pero puedes descontar tus gastos

    Si manejas para Uber o Lyft, haces trabajos de peluquería, vendes productos en Marketplace, cuidas niños o tienes cualquier otro ingreso extra, ese dinero generalmente debe declararse.

    Mucha gente comete uno de dos errores: no declara esos ingresos, lo que puede generar problemas con el IRS más adelante, o los declara sin descontar los gastos relacionados con su trabajo. Y eso puede hacer que termine pagando más impuestos de los necesarios.

    La buena noticia es que, si trabajas por cuenta propia o generas ingresos con trabajos independientes, puedes deducir muchos de los gastos relacionados con esa actividad. Por ejemplo, las millas recorridas con tu vehículo, materiales, una parte de la factura del teléfono e incluso ciertos gastos de tu hogar si trabajas desde casa.

    Estas deducciones reducen tus ingresos netos como trabajador independiente y, en consecuencia, pueden reducir lo que debes pagar en impuestos.

    Lo más importante es guardar algún registro. Incluso algo tan sencillo como anotar en el teléfono las millas recorridas o los gastos que vas teniendo puede terminar representando una deducción importante cuando llegue el momento de declarar.

    Trae a tu cita con Titan Tax todo lo que tengas y te ayudaremos a identificar cada deducción que legalmente puedas reclamar.

    5. No necesariamente tienes que esperar semanas para recibir tu reembolso

    Una de las principales razones por las que muchas personas eligen Titan Tax es nuestro adelanto de reembolso el mismo día. Cuando el dinero está justo y las cuentas siguen llegando, esperar varias semanas para recibir un reembolso del IRS simplemente no es una opción para todo el mundo.

    A partir del 2 de enero, los clientes que califiquen pueden recibir un adelanto de reembolso de hasta $7,000, muchas veces pocos minutos después de presentar su declaración.

    Cuando el IRS envía tu reembolso completo, el monto adelantado se descuenta de ese dinero, por lo que no estás asumiendo una deuda nueva.

    Es un préstamo sujeto a aprobación, así que no todos califican. Lo revisamos junto con tu declaración y te decimos enseguida si aplica en tu caso. Puedes ver el proceso completo en nuestra guía sobre cómo funciona el Adelanto de Reembolso.

    Si sabes que vas a recibir un reembolso y necesitas acceder a ese dinero cuanto antes, no esperes. Ven a partir del 2 de enero con tu formulario W-2 o los documentos que comprueben tus ingresos y te ayudaremos a comenzar.

    6. Existen opciones para presentar los impuestos gratis, pero no siempre son la mejor alternativa

    Quizás hayas escuchado hablar de programas gratuitos para presentar impuestos, como IRS Free File, los centros VITA o programas de preparación de impuestos que ofrecen una versión gratuita.

    Son opciones reales y, para declaraciones muy sencillas, por ejemplo, si solamente tienes un W-2, no tienes dependientes ni ingresos adicionales, pueden funcionar perfectamente.

    El problema es que estas herramientas dependen mucho de que la persona que las utiliza sepa exactamente qué información ingresar y qué beneficios buscar.

    Si calificas para el EITC, tienes dependientes, recibiste beneficios de desempleo, hiciste trabajos independientes o tuviste algún cambio importante en tu hogar, una herramienta gratuita para preparar tus propios impuestos puede pasar por alto créditos o generar errores que terminen costándote más que contratar a un profesional.

    En Titan Tax, nuestros preparadores tienen más de una década de experiencia trabajando precisamente con declaraciones como la tuya. Sabemos qué preguntas hacer y qué créditos buscar.

    Además, nuestros honorarios pueden descontarse directamente de tu reembolso, por lo que no tienes que pagar nada por adelantado.

    7. Presenta tu declaración temprano, incluso si sientes que todavía no estás listo

    El IRS abre la temporada de presentación a fines de enero y anuncia la fecha exacta cada año. Presentar temprano tiene varias ventajas: tu declaración entra antes en la fila de procesamiento, se procesa antes de que se produzcan muchos intentos de fraude con identidades robadas y, si llegas a deber impuestos, tienes más tiempo para organizarte.

    Hay una excepción que conviene conocer. Por ley, el IRS no puede emitir reembolsos que incluyan el EITC o la parte reembolsable del Crédito por Hijos antes de mediados de febrero, aunque hayas presentado en enero. Presentar temprano igual te conviene, porque quedas primero en la fila, pero el dinero de esos créditos no sale antes de esa fecha.

    Además, si estás contando con un adelanto de reembolso, presentar temprano es la única forma de acceder a él. El programa de adelantos de Titan Tax funciona desde el 2 de enero hasta mediados de marzo. Cuanto antes presentes tus impuestos, antes vas a poder acceder a tu dinero.

    No esperes hasta febrero. Trae tu W-2 apenas lo recibas. La mayoría de los empleadores deben entregarlo antes de que termine enero y, en muchos casos, ya está disponible en formato digital incluso antes.

    ¿Listo para empezar?

    Revisamos tu situación, te explicamos el costo antes de empezar y nos aseguramos de que reclames todos los créditos que te correspondan.

    Escríbenos en español o busca la oficina más cercana. Y si te atrasaste con años anteriores, aquí te explicamos qué pasa si no presentas tus impuestos y cómo ponerte al día.

  • The Earned Income Credit and Cincinnati Families

    The Earned Income Tax Credit, or EITC, is one of the most valuable federal tax credits available to low- and moderate-income workers and families. For many Cincinnati households, it can make a meaningful difference in the final tax refund.

    However, many eligible taxpayers still miss the credit. The IRS estimates that about one in five people who qualify for the EITC do not claim it. Some do not realize they are eligible, while others may overlook important filing or qualifying-child rules.

    For tax year 2026, the EITC can be worth as much as $8,231. Here is what the credit is worth, the income limits to know, and several common mistakes to avoid before filing your 2026 return in 2027.

    What the EITC is worth for 2026

    The maximum Earned Income Tax Credit depends on how many qualifying children you have. For tax year 2026, the maximum amounts are:

    • No qualifying children: up to $664
    • One qualifying child: up to $4,427
    • Two qualifying children: up to $7,316
    • Three or more qualifying children: up to $8,231

    The EITC is refundable. As a result, eligible taxpayers may receive part or all of the credit even if they owe little or no federal income tax.

    Families may also qualify for the Child Tax Credit. For 2026, the maximum Child Tax Credit is $2,200 per qualifying child, and up to $1,700 per qualifying child may be refundable through the Additional Child Tax Credit. Eligibility rules apply to each credit separately.

    Do Cincinnati incomes qualify?

    Income is one of the main factors that determines EITC eligibility. For tax year 2026, taxpayers using filing statuses other than Married Filing Jointly must generally have earned income and adjusted gross income below these limits:

    • No qualifying children: $19,540
    • One qualifying child: $51,593
    • Two qualifying children: $58,629
    • Three or more qualifying children: $62,974

    The limits are higher for taxpayers who file Married Filing Jointly. In addition, investment income must not exceed the annual IRS limit, which is $12,200 for tax year 2026.

    Therefore, income alone does not determine whether you qualify. Filing status, earned income, adjusted gross income, qualifying-child rules, Social Security number requirements, investment income, and other factors can all affect eligibility.

    If you work in healthcare, food service, retail, logistics, transportation, or self-employment and your household falls within these income ranges, it is worth checking your eligibility before you file.

    Four common EITC mistakes to avoid

    Using the wrong filing status

    Your filing status can affect your overall tax return, so it is important to choose the correct one. For example, some unmarried parents may qualify for Head of Household instead of Single.

    However, having a child does not automatically make someone eligible for Head of Household. Generally, you must be considered unmarried, have a qualifying person who meets the applicable rules, and pay more than half the cost of keeping up your home.

    For tax year 2026, the standard deduction is $24,150 for Head of Household compared with $16,100 for Single. Choosing the correct filing status can therefore have a significant effect on taxable income and the overall return.

    Mishandling custody situations

    Custody and shared-living arrangements can make EITC claims more complicated. For the EITC, a qualifying child generally must have lived in the same home as the taxpayer in the United States for more than half of the tax year.

    In addition, the child must meet the IRS relationship, age, residency, and joint-return tests, along with applicable Social Security number requirements.

    If more than one person can treat the same child as a qualifying child, IRS tiebreaker rules determine who may claim the child. For example, when two parents filing separately both claim the same qualifying child, the IRS generally looks first at which parent the child lived with longer during the year. If the time was equal, adjusted gross income can become the deciding factor.

    Not reporting gig income correctly

    Many Cincinnati residents earn money through rideshare driving, delivery apps, freelance work, or other independent work. This type of income may count as earned income for EITC purposes, but it still needs to be reported accurately.

    At the same time, legitimate business expenses may affect the net profit reported from self-employment. Keeping accurate records of income and deductible expenses can make filing easier and help ensure the EITC calculation uses the correct figures.

    Claiming a child who does not meet the residency test

    Being a biological parent does not automatically mean a child qualifies for the EITC on your return. In most cases, the child must have lived with you in the United States for more than half of the tax year.

    For example, if a child lived primarily with the other parent, a grandparent, or another relative, the residency and tiebreaker rules may affect who can use that child to claim the EITC. Because these situations can become complicated, it is important to review the details before filing.

    Have your prior returns reviewed

    If you have not had a professional review your tax returns in several years, it may be worth taking another look. Changes in income, filing status, dependents, and tax-credit rules can affect eligibility from one year to the next.

    If you discover that you missed a credit on a prior return, you may still have time to amend it. Generally, the IRS allows taxpayers seeking a refund to file an amended return within three years after filing the original return or two years after paying the tax, whichever is later. Special rules and exceptions may apply.

    Get tax help in Roselawn

    Titan Tax Roselawn is located at 7617 Reading Road, Cincinnati, OH 45237. The office is open Monday through Friday from 10 AM to 6 PM, and Saturdays from 10 AM to 4 PM. Call 513-948-1040 to speak with the Roselawn team.

    If you are also wondering how quickly you may be able to access money after filing, read our guide to how the Refund Advance works in Cincinnati.

    This article provides general educational information and does not constitute individual tax advice. Tax credits, income limits, filing-status rules, and eligibility requirements can vary based on individual circumstances. The figures above apply to tax year 2026. Confirm your eligibility with current IRS guidance or a qualified tax professional before filing.

  • Can I Claim My Boyfriend, Girlfriend, or Roommate as a Dependent?

    Every tax season the same question comes up, and almost nobody guesses right: can I claim my girlfriend as a dependent? Or a boyfriend, a roommate, a parent, a friend who has been sleeping on your couch since March of last year. Most people assume dependents means children and stop there. That assumption costs real money.

    The Short Answer

    You can claim your girlfriend as a dependent if she lived with you all twelve months of the year, earned less than $5,300 in gross income for 2026, you provided more than half of her total support, and no one else can claim her as a qualifying child. The same four tests apply to a boyfriend or a roommate. If they pass, you get a $500 Credit for Other Dependents.

    That is the summary. The rest of this article covers what each test actually means, the two places people get tripped up, and the one benefit a live-in partner does not unlock, no matter what you may have read elsewhere.

    At Titan Tax we work with a lot of people raising families in non-traditional living arrangements, supporting partners who are not working, or helping out relatives who moved in during a hard stretch. A surprising number of them qualify to claim someone they never thought of as a dependent, and they miss the credit entirely because nobody asked the question.


    Two Types of Dependents: Qualifying Child vs. Qualifying Relative

    The IRS recognizes two categories of dependents. Everyone knows the first. The second is where a partner, roommate, or parent fits, and despite the name, a Qualifying Relative does not have to be related to you at all.

    TestQualifying ChildQualifying Relative
    RelationshipChild, stepchild, foster child, sibling, or a descendant of any of theseAny relative on the IRS list, or any person who lived with you all year
    AgeUnder 19, under 24 if a full-time student, or any age if permanently disabledNo age limit at all
    ResidencyLived with you more than half the yearAll twelve months, unless they are a listed relative
    Income limitNo income limitLess than $5,300 gross income for 2026
    SupportThey did not provide more than half of their own supportYou provided more than half of their support
    CreditChild Tax Credit, up to $2,200Credit for Other Dependents, $500

    The relatives who do not need to live with you include parents, siblings, grandparents, aunts, uncles, nieces, nephews, and in-laws. Everyone else, including a partner, roommate, or friend, has to have lived in your home for the full calendar year. The relationship also cannot violate local law.


    Can I Claim My Girlfriend as a Dependent?

    Yes, if she clears all four tests above. To claim your girlfriend as a dependent, she has to have lived with you all year, earned under $5,300 because she was out of work, on disability, or only working part-time, and you have to have covered the majority of her living expenses.

    What you get is the Credit for Other Dependents, worth $500 per qualifying person. It is non-refundable, meaning it reduces your tax to zero but will not create a refund on its own.

    Two details disqualify more people than anything else:

    • “All year” means all twelve months. If she moved in during February, she does not qualify for that tax year. Next year she will.
    • Eligibility matters, not whether anyone actually claimed her. If her parents could claim her as a qualifying child, you cannot claim her, even if the parents never file a return.

    Can I Claim My Boyfriend as a Dependent?

    Identical rules. The IRS does not distinguish by gender here. If he lived with you the full year, earned under $5,300, and you paid more than half of what it cost to keep him fed, housed, and insured, you can claim your boyfriend as a dependent and take the same $500 credit.


    Does Claiming a Partner Let Me File as Head of Household?

    No, and this is the single most common piece of bad information on this topic. You will find articles telling you that claiming your significant other unlocks Head of Household. It does not. Claiming your girlfriend as a dependent gets you the credit and nothing more.

    The IRS draws a hard line here. To file as Head of Household, your qualifying person has to be related to you in one of the ways the IRS lists, or be your qualifying child. A person who is your dependent only because they lived with you all year does not count. IRS Publication 501 uses this exact example: a friend who lives with you all year may absolutely be your qualifying relative for the $500 credit, and still is not a qualifying person for Head of Household, because they are not related to you.

    So the practical breakdown looks like this:

    • Live-in partner, roommate, or friend: $500 credit, but you still file as Single.
    • Parent, sibling, grandparent, niece, nephew, or in-law: $500 credit and potentially Head of Household, which carries a much larger standard deduction.
    • A dependent parent specifically: can qualify you for Head of Household even if they live in their own home or a care facility, as long as you pay more than half the cost of keeping up that home.

    Getting this wrong is expensive in both directions. Filing Head of Household when you do not qualify invites an adjustment and a repayment. Filing Single when you do qualify quietly costs you thousands in standard deduction. We cover this and six other common filing mistakes in 7 Tax Tips Every Family Should Know Before Filing This Year.


    Can I Claim My Roommate on My Taxes?

    Same four tests. If your roommate lived with you the entire year, earned under $5,300, and you provided more than half their financial support, then yes. This comes up most often when one person in a shared household loses a job mid-year or has a medical situation that keeps them from working.

    The support test is what usually decides it. If you split rent and bills down the middle, you are not providing more than half of their support and the answer is no. If you have been carrying the household, the math likely works in your favor. Support counts food, housing, clothing, medical care, and transportation, so run the whole picture, not just rent.


    Can I Claim a Parent Who Lives With Me?

    Yes, and this is one of the most under-claimed situations we see. If your mother or father’s gross income was under $5,300 and you are covering their housing, food, and expenses, you can claim them. Parents do not have to live with you at all, so a parent in their own apartment or in a care facility can still qualify.

    Does Social Security Count Against the Income Limit?

    Here is the part that surprises almost everyone, and it works in your favor. Social Security benefits that are not taxable do not count toward the gross income test. A parent living on Social Security alone will often pass the income test comfortably, even when their annual benefit is far above $5,300. The same is generally true of veterans’ benefits. What counts toward the limit is taxable income: wages, interest, dividends, and taxable pension or retirement distributions.

    The catch is that Social Security still counts as support when you calculate whether you provided more than half. If your parent uses their benefit check to pay for their own housing, food, and medical costs, that money sits on their side of the ledger. So the same dollars are ignored by one test and counted by the other. That is exactly the kind of calculation where sitting down with a preparer changes the outcome.

    What If My Siblings and I Split the Cost?

    If several of you collectively cover more than half of a parent’s support but nobody individually crosses the 50% line, a Multiple Support Agreement using IRS Form 2120 lets one of you take the claim. The others sign off. Families often rotate it year to year.


    Not Sure If Someone in Your Household Qualifies?

    These tests involve numbers most people do not track through the year. Our preparers in Cincinnati, Dayton, Nashville, and Elyria walk through it with you in a few minutes and tell you exactly where you stand, before you file.


    Can Two People Claim the Same Dependent?

    No. Only one person can claim any given dependent in a tax year. If two people try, the second return filed is rejected electronically and both can be pulled for review, which holds up both refunds.

    For children of separated or divorced parents, the rules are specific. Generally the parent the child lived with for more than half the year has the right to claim them, and a custodial parent can release that claim to the other parent using IRS Form 8332. For partners, roommates, and other relatives, whoever provides more than half the financial support is the one who claims.


    Why This Matters More if You Earn Under $50,000

    When household income is under $50,000, every credit has an outsized effect on your effective tax rate and your refund. Adding a qualifying relative is not just $500 in isolation. It can also move:

    • Your filing status. A related dependent can shift you from Single to Head of Household, which is worth far more than the credit itself.
    • Your overall credit picture. The Earned Income Tax Credit requires a qualifying child, so a qualifying relative does not raise your EITC directly. But a change in filing status changes your income thresholds and phase-out ranges, which can move your final number.
    • Medical expense deductions. Medical bills you paid for a dependent may be deductible on your return.

    Your return is not a collection of isolated line items. It is a picture of your whole household, and every person you support deserves to be in that picture.


    What to Bring to Claim a Non-Child Dependent

    Your preparer will ask about everyone in your household. To support the claim, it helps to have:

    • Their Social Security number or ITIN
    • An estimate of their income for the year, from pay stubs, 1099s, or their own recollection
    • A rough picture of household expenses: rent, utilities, groceries, insurance, so we can verify the support test

    You do not need to walk in with a spreadsheet. A conversation covers it. But answer honestly, because the IRS can request documentation in an audit. Our full document checklist and FAQ covers what else to bring.


    Frequently Asked Questions

    Can I claim my girlfriend as a dependent if she has no income?

    Likely yes. Zero income clears the gross income test automatically. She still has to have lived with you for the entire calendar year, you must have provided more than half her total support, and she cannot be the qualifying child of anyone else.

    How much is the income limit to claim someone as a dependent in 2026?

    Less than $5,300 in gross income for tax year 2026, set by Revenue Procedure 2025-32. The 2025 figure was $5,200 and the 2024 figure was $5,050. Many older articles still quote the outdated numbers, so check the year before you rely on a figure.

    Does my partner have to live with me the whole year, or just most of it?

    The entire year. The qualifying child rules use a “more than half the year” standard, but a non-relative must be a member of your household for all twelve months. Someone who moved in mid-year does not qualify until the following tax year.

    Does Social Security count against the $5,300 income limit?

    Generally no. Non-taxable Social Security benefits do not count toward the gross income test, which is why many parents living on Social Security still qualify. Social Security does count as support the person provides for themselves, which affects the separate support test.

    Can I file as Head of Household if I claim my girlfriend as a dependent?

    No. A person who qualifies as your dependent only because they lived with you all year is not a qualifying person for Head of Household, because they are not related to you. You get the $500 credit and still file as Single. A parent, sibling, or other listed relative can qualify you.

    Can I claim someone if they file their own tax return?

    Yes. Filing a return does not disqualify someone from being your dependent. They check the box indicating that someone else can claim them, which affects their standard deduction. Filing a joint return with a spouse does disqualify them, unless they filed only to claim a refund of withheld tax.

    What happens if two people claim the same dependent?

    The second return filed is rejected electronically and both returns can be pulled for review. The IRS applies tiebreaker rules to decide who has the stronger claim, and whoever claimed incorrectly may owe back any credit received plus interest.

    How much is the credit for claiming a non-child dependent?

    The Credit for Other Dependents is $500 per qualifying person and is non-refundable, meaning it can reduce your tax to zero but will not generate a refund on its own. Its real value often comes from what it unlocks alongside it, such as a change in filing status.


    Come Talk to Us Before You Assume You Do Not Qualify

    The biggest mistake people make with dependent rules is assuming they already know the answer. Before you decide you cannot claim your girlfriend as a dependent, or your boyfriend, or the roommate you have been carrying since last spring, let someone run the four tests with you. There is a real chance you qualify, and a real chance tax software never asks the question.

    At Titan Tax we ask the questions that find those credits. It is what we do, at all four offices in Roselawn, Dayton, Nashville, and Elyria.

    Walk in to any Titan Tax location starting January 2nd. No appointment needed. Qualifying clients can receive a refund advance of up to $7,000 the same day, with no credit check, because the advance is based on your expected return rather than your credit history.

    Refund advance subject to approval. Terms apply.

    Disclaimer: This article provides general educational information and does not constitute tax advice. Dollar amounts for credits and income thresholds are set by tax year and adjusted annually for inflation. The $5,300 gross income limit applies to tax year 2026 per Revenue Procedure 2025-32. Consult a qualified tax professional regarding your circumstances, or see IRS Publication 501 for the full dependent rules.