Tax Library
Retirement Planning Tax Library
Navigate Taxes for a Secure Financial Future
Understanding the tax implications of retirement planning is crucial for maximizing savings and ensuring long-term financial success, especially for college students and young professionals laying the groundwork for their futures.
The Protection Plus Insurance Retirement Planning Tax Library equips you with essential resources—Federal Tax Forms, Federal Tax Rates, Federal Tax Publications, and a Federal Tax Calendar—to confidently navigate the complexities of tax-advantaged retirement strategies. Explore this hub to optimize your investments, minimize liabilities, and protect your retirement goals with informed tax planning.
Federal Tax Forms
Here you can view, print, or save commonly used tax forms and accompanying instructions for completing the forms. The links below will take you to the Internal Revenue Service website.
| Form | Description | Instructions |
|---|---|---|
| 1040 | U.S. Individual Income Tax Return | Instructions |
| Sch A | Itemized Deductions | Instructions |
| Sch B | Interest and Ordinary Dividends | n/a |
| Sch C | Profit and Loss from Business | Instructions |
| Sch D | Capital Gains and Losses | Instructions |
| Sch E | Supplemental Income and Loss | Instructions |
| Sch EIC | Earned Income Credit | n/a |
| Sch F | Profit and Loss from Farming | Instructions |
| Sch H | Household Employment Taxes | Instructions |
| Sch J | Farm Income Averaging | Instructions |
| Sch R | Credit for the Elderly or the Disabled | Instructions |
| Sch SE | Self-Employment Tax | Instructions |
| W-4 | Employee’s Withholding Allowance Certificate | n/a |
| W-4P | Withholding Certificate for Pension or Annuity Payments | n/a |
| W9 | Request for Taxpayer Identification Number and Certification | Instructions |
Federal Tax Publications
You can view or print the most popular IRS publications by simply clicking on the appropriate publication number.
| Publication | Description |
|---|---|
| 1 | Your Rights as a Tax Payer |
| 3 | Armed Forces’ Tax Guide |
| 5 | Your Appeal Rights and How to Prepare a Protest If You Don’t Agree |
| 17 | Your Federal Income Tax (for individuals) |
| 225 | Farmer’s Tax Guide |
| 334 | Tax Guide for Small Business (for individuals who use Schedule C or C-EZ) |
| 463 | Travel, Entertainment, Gift, and Car Expenses |
| 501 | Exemptions, Standard Deductions, and Filing Information |
| 502 | Medical Expenses |
| 503 | Child and Dependent Care Expenses |
| 590-A | Contributions to Individual Retirement Arrangements (IRAs) |
| 590-B | Distributions from Individual Retirement Arrangements (IRAs) |
| 969 | Health Savings Accounts and Other Tax-Favored Health Plans |
Federal Tax Rates
These figures are for the 2025 tax year. Find your tax rate below.
Schedule X – Single
| If taxable income is over: | But not over: | The tax is: |
|---|---|---|
| $0 | $11,925 | 10% of taxable income |
| $11,925 | $48,475 | $1,192.50 plus 12% of the amount over $11,925 |
| $48,475 | $103,350 | $5,578.50 plus 22% of the amount over $48,475 |
| $103,350 | $197,300 | $17,651.00 plus 24% of the amount over $103,350 |
| $197,300 | $250,525 | $40,199.00 plus 32% of the amount over $197,300 |
| $250,525 | $626,350 | $57,231.00 plus 35% of the amount over $250,525 |
| $626,350 | no limit | $188,769.75 plus 37% of the amount over $626,350 |
Schedule Y-1 – Married Filing Jointly or Qualifying Widow(er)
| If taxable income is over: | But not over: | The tax is: |
|---|---|---|
| $0 | $23,850 | 10% of taxable income |
| $23,850 | $96,950 | $2,385.00 plus 12% of the amount over $23,850 |
| $96,950 | $206,700 | $11,157.00 plus 22% of the amount over $96,950 |
| $206,700 | $394,600 | $35,302.00 plus 24% of the amount over $206,700 |
| $394,600 | $501,050 | $80,398.00 plus 32% of the amount over $394,600 |
| $501,050 | $751,600 | $114,462.00 plus 35% of the amount over $501,050 |
| $751,600 | no limit | $202,154.50 plus 37% of the amount over $751,600 |
Schedule Y-2 – Married Filing Separately
| If taxable income is over: | But not over: | The tax is: |
|---|---|---|
| $0 | $11,925 | 10% of taxable income |
| $11,925 | $48,475 | $1,192.50 plus 12% of the amount over $11,925 |
| $48,475 | $103,350 | $5,578.50 plus 22% of the amount over $48,475 |
| $103,350 | $197,300 | $17,651.00 plus 24% of the amount over $103,350 |
| $197,300 | $250,525 | $40,199.00 plus 32% of the amount over $197,300 |
| $250,525 | $375,800 | $57,231.00 plus 35% of the amount over $250,525 |
| $375,800 | no limit | $101,077.25 plus 37% of the amount over $375,800 |
Schedule Z – Head of Household
| If taxable income is over: | But not over: | The tax is: |
|---|---|---|
| $0 | $17,000 | 10% of taxable income |
| $17,000 | $64,850 | $1,700.00 plus 12% of the amount over $17,000 |
| $64,850 | $103,350 | $7,442.00 plus 22% of the amount over $64,850 |
| $103,350 | $197,300 | $15,912.00 plus 24% of the amount over $103,350 |
| $197,300 | $250,500 | $38,460.00 plus 32% of the amount over $197,300 |
| $250,500 | $626,350 | $55,484.00 plus 35% of the amount over $250,500 |
| $626,350 | no limit | $187,031.50 plus 37% of the amount over $626,350 |
Source: Internal Revenue Service, 2025
Federal Tax Calendar
Here are some key dates for the current tax year.
January 2025
15 –
Fourth quarter 2024 estimated tax due. Use Form 1040-ES.
31 –
Deadline for employers to provide copies of Forms W-2 and 1099 for 2024 to employees.
February
18 –
If you claimed exemption from income tax withholding last year on the Form W-4 you gave your employer, you must file a new Form W-4 by February 15 to continue your exemption for another year.
March
3 –
Deadline for farmers and fishermen who have a balance due on their taxes to file their 2024 individual income tax returns and pay the balance due without penalties.
17 –
Deadline for 2024 S corporation tax returns (Form 1120-S) or to request an extension using Form 7004.
17 –
Deadline to file 2024 partnership tax returns (Form 1065) or to request an automatic extension (Form 7004).
April
15 –
Deadline to file 2024 individual income tax returns (Form 1040) and any taxes owed, or to file for an automatic 6-month extension.
15 –
Last day to contribute to a traditional IRA, Roth IRA, or SEP-IRA for the 2024 tax year.
15 –
First quarter 2025 estimated tax due. Use Form 1040-ES.
15 –
Deadline to file 2024 trust tax returns (Form 1041) or to request an automatic extension.
15 –
Deadline to file 2024 corporate tax returns (Form 1120) or to request an automatic extension (Form 7004).
June
16 –
Deadline for U.S. citizens living abroad to file individual tax returns and pay any tax, interest, and penalties due, or to request a 4-month extension (Form 4868).
16 –
Second quarter 2025 estimated tax due. Use Form 1040-ES.
September
15 –
Third quarter 2025 estimated tax due. Use Form 1040-ES.
15 –
Final deadline to file 2024 partnership tax return if you were given a 6-month extension.
15 –
Final deadline to file 2024 S corporation tax return if you were given a 6-month extension.
October
1 –
Deadline for existing employers to establish a SIMPLE IRA plan.
15 –
If you were given a 6-month extension to file your income tax return for 2024, file Form 1040 and pay any tax, interest, and penalties due.
15 –
Final deadline to file 2024 corporate tax return if were given a 6-month extension.
Source: Internal Revenue Service, 2025
Secure Your Future with Protection Plus
Contact Us Today
Don’t leave your retirement to chance—take control of your financial future today. Contact Protection Plus Insurance for a free consultation and expert guidance on your retirement planning. Call us at (858) 352-6535 or send an email to glenn@protectionplusins.com to schedule your appointment. Let us help you build a secure and prosperous retirement!