Welcome to ATB Financial Services, Inc.! Whether you are new to our site, or returning for a visit, we hope to provide you with timely and valuable information. As your business partner, we understand your need to save time and will work with you to find effective solutions for your business needs. We strive to build and maintain long-lasting business relationships, and this website is an extension of our commitment to youTax Planning Articles General tax planning Am I having enough withheld? Choosing an income tax filing status Help! I can't pay my tax bill Income tax planning and 529 plans Surviving an audit Tax benefits of home ownership Tax planning for income Tax planning for the self-employed Taxation of investments Year-end tax planning Tax credits and deductions Education tax credits Personal deduction planning Qualifying for the home office deduction Understanding personal tax credits Taxes and insurance Income tax tips: business insurance Tax planning for annuities Tax planning tips: auto insurance Tax planning tips: disability insurance Tax planning tips: life insurance Tax tips: health insurance Tax tips: homeowners insurance Tax tips: long-term care insurance Decision Tools General tax planning Accelerating deductions/postponing Income Accelerating income/postponing deductions Federal individual income tax fundamentals Remarriage with children: income tax considerations Tax credits and deductions Comparison of education tax credits and deductions General business tax credits Is my home mortgage interest fully deductible? Tax credit sampler FAQs General tax planning Am I having enough tax withheld from my paycheck? Are my Social Security benefits subject to income tax? Are scholarships and grants subject to federal income tax? Do I have to file a federal income tax return? Do I have to pay U.S. taxes when I work abroad? How did the Jobs and Growth Tax Relief Reconciliation Act of 2003 change capital gains tax rates? I don't have the cash to pay my taxes. What can I do? I have investment property. What does basis mean, and how do I determine the basis of my property? I received a state tax refund last year. Must I include that amount as income on my federal return this year? My spouse passed away this year. When I file my taxes, what filing status should I claim? What is my tax bracket? What is the alternative minimum tax? What is the basis of property received as a gift? What is the kiddie tax? What penalties and interest will I be charged for paying and filing my federal income taxes late? What's the difference between an "injured spouse" and an "innocent spouse"? Will I have to pay tax on my investment income?