As wedding season is kicking off this summer, the important post-nuptial steps of merging finances and tax preparation tasks begin. Taking care of these tax tasks early helps to avoid refund delays, incorrect withholding, and IRS notices. Below are some ways to make the process easier.

Key Tax Moves Every Newlywed Should Make

Update Your Name with the Social Security Administration

If either spouse decides to change their last name, they must notify the Social Security Administration before filing their tax return. The name on a tax return must match the record that the SSA has. File form SS-5 to update your Social Security card. You can do this at SSA.gov, by calling 800-772-1213, or visiting a local SSA office.

Notify the IRS and USPS of Your New Address

Your address must be updated with:

• USPS (for mail forwarding)
• Your employer (for accurate W-2 delivery)
• The IRS, using Form 8822 (Change of Address)

This lets notices and refunds from the IRS reach you without delay. Some IRS mail is not forwarded by USPS, so Form 8822 is essential.

Submit a New Form W-4 Within 10 Days

Newly married couples are required to provide their employers with an updated Form W-4 within 10 days of their marriage. This is because dual‑income couples may move into a higher tax bracket, and they may be subject to the Additional Medicare Tax. The IRS Tax Withholding Estimator can help you calculate the correct withholding. https://www.irs.gov/individuals/tax-withholding-estimator

Understand Your New Tax Bracket

Your marital status on December 31 determines your filing status for the entire tax year. Most couples benefit from Married Filing Jointly, but not always, especially when incomes are similar. Running both scenarios (MFJ vs. MFS) helps determine the best outcome.

Married Filing Jointly allows you to file only one return, have a higher deduction, and be qualified for more credits.

How to Complete IRS Form 8822 (Change of Address)

Below is a step-by-step guide to make updating your address easy.

1. Select the Correct Part of the Form
   1. Part I is home mailing address change, and Part II is business address change (if applicable).
2. Enter your Personal Information
   1. This includes your full name, Social Security Number(s), old address, and new address.
3. Indicate the Tax Forms Affected
   1. Check the box for Form 1040 to make sure that your individual tax return address is updated.
4. Provide Spouse Information
   1. If you have decided to file jointly with your spouse, include their name and SSN.
5. Sign and Date the Form
   1. Both spouses must sign if you are filing jointly.
6. Mail to the Correct IRS Address
   8822. The mailing address depends on your state, and a list appears on page 2 of Form 8822.

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