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TETEEMA GROUP LLC
TAX PLANNING · 2025–2028 TAX LAW
The new tax law, explained. And a plan for your next return.
New deductions for tips, overtime, seniors and car loans, a bigger Child Tax Credit and higher SALT limits. We check what applies to you and plan ahead, in English, French, Wolof and more.
TETEEMA GROUP LLC dba TEMA Tax & Consulting Services · IRS Certifying Acceptance Agent.
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Every new deduction checked on your return.
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General consultation: free. Tax advisory consultation: $80.
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In our Brooklyn office, or from anywhere in the U.S. by phone or video.
NEW TAX LAW
The One Big Beautiful Bill Act: what changed for you.
Signed July 4, 2025, the law changed deductions and credits for 2025 and later returns. Here are the changes we see most often in Brooklyn. We check every one of them on your return.
TIP WORKERS
No tax on tips
Deduct up to $25,000 of qualified tips if you work in an occupation that customarily receives tips. Phases out above $150,000 of income ($300,000 married filing jointly).
Tax years 2025–2028
HOURLY WORKERS
No tax on overtime
Deduct the extra "half" of time-and-a-half overtime pay, up to $12,500 ($25,000 married filing jointly). Same income phase-out as tips.
Tax years 2025–2028
SENIORS
$6,000 senior deduction
An extra $6,000 deduction for each person age 65 or older ($12,000 if both spouses qualify), on top of the standard deduction. Phases out above $75,000 ($150,000 married filing jointly).
Tax years 2025–2028
FAMILIES
Child Tax Credit: $2,200
Up to $2,200 per child under 17, with up to $1,700 refundable. You need at least $2,500 of earned income for the refundable part.
2025 and later, now permanent
CAR BUYERS
Car loan interest deduction
Deduct up to $10,000 a year of interest on a loan for a new personal vehicle assembled in the U.S., bought after 2024. Phases out above $100,000 ($200,000 married filing jointly).
Tax years 2025–2028
NY HOMEOWNERS
Bigger SALT deduction
If you itemize, the cap on state and local taxes, including New York income and property taxes, rose from $10,000 to $40,000 for 2025 and $40,400 for 2026. It is reduced for incomes above $500,000.
2025–2029
EVERYONE
Higher standard deduction
For 2026: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
Tax year 2026
GIVERS
Charity without itemizing
Starting with 2026, you can deduct up to $1,000 of cash gifts to charity ($2,000 married filing jointly) even if you take the standard deduction.
2026 and later
ENDED
Energy and EV credits
The electric vehicle credits ended for vehicles bought after September 30, 2025. The home energy improvement and residential clean energy credits ended after December 31, 2025.
Changed in 2025
ITIN filers, please read: the tips, overtime and senior deductions need a Social Security number on the return, and married couples must file jointly to claim them. The Child Tax Credit needs a Social Security number for the child and for you, or for at least one spouse on a joint return. A $500 credit for other dependents may still apply. Ask us what applies to your family.
General information from IRS guidance, not tax advice for your situation. Amounts and rules can change, and your results depend on your full return.
TAX ADVISORY
Plan before the deadline, not after.
Tax advisory is year-round planning for a new business, a marriage, a new baby, a home purchase or retirement, before the deadline, not after.
• Starting a new business
• Getting married
• A new baby
• Buying a home
• Planning for retirement
• A letter from the IRS or New York State
A tax advisory consultation is $80, paid when you book. Cancel at least 24 hours before your appointment for a full refund.
Who we help
First-time filers to growing businesses, in the language you're most comfortable with.
W-2 employees & retirees
Federal, New York State and NYC returns.
Gig & delivery workers
Uber, Lyft, DoorDash and other 1099 income.
Self-employed & freelancers
Braiders, cleaners, contractors and consultants.
Small business owners
Bookkeeping, sales tax and payroll.
ITIN applicants
No Social Security number? We're an IRS Certifying Acceptance Agent.
New arrivals & first-time filers
Your first U.S. return, explained step by step.
How would you like to file?
Same careful review, whichever way works for you.
In person
At our Brooklyn office, 451 Rockaway Ave, Units 6 & 8.
Virtual
Review your return with us by phone or video, from anywhere in the U.S.
IRS CERTIFYING ACCEPTANCE AGENT · ITIN
Filing with an ITIN? Here is what changes for you.
Some new deductions, like no tax on tips and overtime, need a Social Security number. Other credits, like the $500 credit for other dependents, may still apply to ITIN families. We check what applies to you.
As an IRS Certifying Acceptance Agent, we help with new ITINs and renewals, usually filed with your tax return, and in most cases your passport goes home with you the same day. An ITIN is for tax purposes only. It does not give work authorization or change immigration status.