Overpaying? TurboTax Might Be Why!

Chad Dickinson • May 22, 2025

More Than Just Software—It’s About Strategy

TurboTax and other DIY tax software programs promise convenience, affordability, and control. They’re sleek, simple, and often free—for basic returns. But for anyone with more than a single W-2, the cracks in the system become clear fast. When your financial life gets complex, your taxes do too. That’s where real tax professionals come in—and what they do is fundamentally different.

Why DIY Breaks Down

DIY software is built to file, not to think. It processes what you input, checks the math, and hits submit. But if you misclassify income, miss a deduction, or enter a number wrong, the software won’t stop you. Worse, it won’t tell you what opportunities you’ve left on the table.



You might get your refund—but you may have left thousands behind.

Real Tax Pros: Advisors, Not Just Filers

A real tax professional—whether a CPA, Enrolled Agent, or tax attorney—doesn’t just enter data. They:



  • Strategically plan your return to minimize taxes now and in the future
  • Interpret complex laws to find deductions you didn’t know existed
  • Represent you if the IRS comes knocking
  • Offer proactive advice tailored to your business, lifestyle, and goals


The Hidden Costs of DIY

That “free” return might cost you in other ways:



  • Missed deductions: Home office, QBI, depreciation, rental losses—often ignored or misunderstood
  • No audit defense: Limited or excluded with DIY platforms
  • Time and stress: 13+ hours is the average for self-filing. A pro gives you your life back.


Professional Planning = Real Money Saved

Pros don’t wait until tax season. They:



  • Help you form an S-Corp to save on self-employment tax
  • Maximize retirement contributions for current deductions and future gains
  • Time capital gains and losses strategically
  • Structure rental properties to optimize depreciation and passive income treatment


Peace of Mind Is a Premium Worth Paying For

IRS notice? Audit letter? Late penalty? With a pro, you’re not alone. You’ve got a knowledgeable advocate who handles the paperwork, calls, and strategy—so you can focus on what matters.

So, Forget TurboTax? Only If You Want To Win

TurboTax works great—for very basic returns. But once your financial life grows up, it’s time your tax strategy does too. Tax professionals aren’t just for the rich—they’re for the smart.

Ready to Think Bigger About Your Taxes?

At Arch Tax, we do more than file. We plan, optimize, protect, and advocate. Whether you’re self-employed, a small business owner, or just tired of DIY doubt—we’re here to help.

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