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IMPACT ON YOU If you underpay your taxes, youll owe slightly less in penalties Quarterly estimated taxpayers, including retirees and self-employed individuals, will benefit the most WHAT SHOULD YOU DO Adjust estimated tax payments to avoid penalties Use the IRS tax withholding estimator to ensure proper withholding If you frequently owe at tax time, increase paycheck withholding to avoid penalties Tax Change #10: State Tax Law Changes Several states are adjusting tax policies, with some lowering income tax rates and others expanding tax credits for retirees

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