Ace Financial Services LLC

02/14/2026

🚨 PATH Act Refund Update – Here’s the Projected Schedule 🚨

For clients claiming EITC/ACTC, here’s what to expect:

🗓 Transcript Update: Feb 13 (overnight/early morning)
🗓 PATH Act Lifts: Feb 17
💰 Code 846 (Refund Issued) Appears: Feb 18 – Feb 20
🔎 “Where’s My Refund?” Updates: Feb 21

🏦 Early Deposit Banks: Feb 18 – Feb 20
🏦 Traditional Banks (Chase, Wells, etc.): Feb 23 – Feb 25

📌 Official IRS “By” Date: March 2, 2026

If you don’t see movement right away, don’t panic — updates happen in batches. Stay patient, it’s coming! 💸✨

If you need help checking your transcript or understanding your codes, you know who to call 😉

02/02/2026

We're reaching out with some information about when you are likely to receive your tax refund. You claimed the Earned Income Tax Credit (EITC), the Additional Child Tax Credit (ACTC), or both. We want to help you understand how this impacts when you'll get your refund.

The Protecting Americans from Tax Hikes Act (PATH Act) requires the IRS to hold refunds for tax filers who claim these credits. The earliest any PATH Act refund will be sent by the IRS is late February, with most refunds estimated to arrive in the first week of March.

01/25/2026

01/18/2026

Marcus Brian

01/18/2026

The IRS will literally give you $10,000+ for free if you fill out one form

Not a refund. Not a loan. Free money they allocated that almost nobody claims

There's $1.5 billion in unclaimed tax credits every year because the forms are confusing on purpose

The credits most people miss:

EARNED INCOME TAX CREDIT (EITC)

If you made under $60K, you might qualify for up to $7,430 back. Even if you owe $0 in taxes. It's "refundable" meaning they write you a check

1 in 5 eligible people don't claim it. That's free money left on the table

SAVER'S CREDIT

Put money in a retirement account? You get a tax credit up to $1,000 ($2,000 if married). Can wipe out your entire tax bill - though usually not refundable like the EITC

Still worth claiming if you owe taxes

AMERICAN OPPORTUNITY CREDIT

Paid for any education? Up to $2,500 credit per student. $1,000 of it is refundable even if you owe nothing

CHILD TAX CREDIT

$2,000 per kid, up to $1,600 is refundable even if you owe nothing

The exploit:

You can amend tax returns for the past 3 years

That means if you missed credits in 2022, 2023, 2024 - you can file amended returns and collect ALL of it now. One check for 3 years of missed credits

People have gotten $15-30K checks just by amending old returns with credits they didn't know about.

The IRS isn't going to call you and say "hey, you forgot to claim $7,000"

They're counting on you not knowing

01/16/2026

Taxpayers, if you had Marketplace health insurance, your 2025 Form 1095-A is now ready to download.

🔐 How to access your form:
1️⃣ Log in to your account at healthcare.gov
2️⃣ From the Welcome screen, check your Messages
3️⃣ Look for a message titled:
“You have a Form 1095-A for 2025”

📑 The document is 8 pages long, but for tax filing purposes, you typically only need Page 5 (Form 1095-A).

📌 Important: This form is required to prepare your tax return if you had Marketplace coverage accurately.

If you have any issues accessing this information call 1-800-318-2596

Welcome to the Health Insurance Marketplace®. Official government website.