Don't worry if you don't have everything. TaxWave can obtain IRS transcripts directly to fill in gaps — we have tools that let us see everything the IRS knows about your account. Bring what you have and we'll identify what's missing.
Personal Information
- Social Security Number (yours, spouse if filing jointly)
- Current address and contact information
- Filing status (single, married filing jointly, married filing separately, head of household)
- Names, SSNs, and ages of dependents
- Current employer name and address
Income Documentation
- Last 2–3 years of filed tax returns (if available)
- Last 3 months of pay stubs (all employers)
- All W-2 forms for the past 2 years
- All 1099 forms for the past 2 years (1099-NEC, 1099-MISC, 1099-INT, 1099-DIV, 1099-R)
- Social Security award letter (if receiving SS benefits)
- Pension/retirement income statements
- Rental income documentation (leases, rental schedules)
- Business income records if self-employed (profit & loss statement, bank statements)
- Unemployment benefit statements (Form 1099-G)
Monthly Expenses
- Rent or mortgage statement showing monthly payment
- Utility bills: electric, gas, water, trash, internet, phone
- Vehicle loan or lease statements
- Health insurance premium statements
- Out-of-pocket medical expenses (statements, prescription receipts)
- Child care or dependent care expenses
- Child support or alimony obligation orders
- Minimum monthly credit card payments (statements)
- Student loan monthly payment statements
- Any court-ordered payment obligations
Assets
- Most recent mortgage statement (with balance and current payment)
- Most recent vehicle loan payoff statement
- Bank account statements for ALL accounts (last 3 months)
- Investment account statements (brokerage, mutual funds)
- Retirement account statements (401k, IRA, pension — last statement)
- Life insurance policies with cash value
- Business assets: equipment lists, accounts receivable, inventory value
- Any pending lawsuit settlements or inheritance
- Real property you own other than primary residence (rental, land)
IRS-Specific Documents
- All IRS notices and letters received (bring everything — even old ones)
- Most recent IRS balance due statement if available
- Prior installment agreement or OIC correspondence if applicable
- Any IRS transcripts you've already requested
- Power of Attorney or prior representative correspondence
- Any IRS audit notices or examination letters
Business Owners & Self-Employed
- Employer Identification Number (EIN)
- Business bank account statements (last 3 months)
- Accounts receivable aging report
- Business profit & loss statement (last 12 months)
- Payroll records if you have employees (Form 941 history)
- Business asset list (equipment, vehicles, property)
- Corporate formation documents (articles of incorporation, operating agreement)
Self-Employed Owners: Extra Documents Matter Most
For self-employed taxpayers, the business expense documentation is where the largest reductions in IRS-calculated liability are typically found. The IRS's Substitute for Return (SFR) includes zero business expenses. A complete profit & loss with supporting records can dramatically reduce your balance before any negotiation even begins.
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