As part of our effort to create a better client experience and streamline the e-signing and tax delivery process, DDK will now be using SafeSend Returns. SafeSend is a secure and easy program that allows our clients to receive, review, and e-sign their tax returns from their computer, tablet, and smartphone.
Easy 5-Step Electronic Tax Return Delivery Process
You will receive an email from noreply@safesendreturns.com. The DDK logo will appear in this email.
Click on the secure access link contained in the e-mail.
Verify your identity by entering the last four digits of your Social Security number.
Check your email for a unique Access Code. If you don’t see it in your inbox, check your spam or junk folders.
Congratulations! You now have access to your tax return. SafeSend Returns will walk you through the review and e-signature process with step-by-step instructions.
Video Walkthroughs of the Delivery Process:
Individual Client Tax Return Help
Entity Client Tax Return Help
Common Questions About our Tax Delivery System
Q: Is it safe to enter part of my Social Security Number?
A: Yes. SafeSend Returns offers a secure system to view and sign your e-file authorization form(s).Look for https:// at the beginning of the site URL and a locked padlock symbol in your browser’s URL bar to confirm you are on the secure site.
Q: What if I don’t receive an email with my access code?
A: Check your spam/junk email folder. You can also search your email for noreply@safesendreturns.com. Some email clients hide items they’ve labeled spam or junk, making certain emails difficult to find. If you do not receive your code within the 10-minute time limit, please request another code.
Q: Will this work on any internet-connected device? Does SafeSend Returns offer an app for my smartphone?
A: There is currently no SafeSend Returns app available, but the signature process can be completed on any computer, smartphone or tablet via a web browser.
Q: I’d rather print and sign my e-file authorization form(s). Can I do that?
A: Yes - You can still print, sign and mail your e-file form(s) back to DDK if you’d prefer to do so.
Q: Will I have to print and mail anything to the government?
A: The only items you may need to print and mail out to government authorities is the tax and estimate payment vouchers. If forms need to be printed and mailed, you will receive clear instructions. You will also be provided options to make tax payments electronically if you prefer not to mail payments.
Q: My Spouse and I are filing our return jointly – How can we both sign the e-file authorization form(s)?
A: There are a couple of options:
If both spouses have an email address on file, both will receive an email with a link to view the return and sign the e-file authorization form(s). First, one spouse will receive the link with identity verification questions specific to him/her. He or she will sign the e-file authorization form(s), and an email link will be sent to the second spouse. The second spouse will answer identity verification questions specific to him/her, then sign the form(s).
If only one spouse has an email address on file, that spouse will first receive the link with identity verification questions specific to him/her. He or she will sign the e-file authorization form(s) and then enter an email address for the second spouse. The second spouse will then receive the email link with identity verification questions specific to him/her. Once the second spouse electronically signs the e-file authorization form(s), DDK will be notified that signing is complete.
If a couple shares an email address, the primary signer will first receive a link with identity verification questions specific to him/her. After the primary signer signs the e-file authorization form(s), he/she can then enter the shared email address again. A new link will be sent with identity verification questions specific to the second spouse.
Q: Where do the identity verification questions come from? What if I don’t remember the answers?
A: The questions SafeSend Returns asks are knowledge-based questions pulled from government and credit sources. You may be asked questions such as where you lived in a given year, or when you bought your car or home. In the event the questions do not apply to you, simply choose the answer that accurately reflects this. If you don’t remember the answers to the questions, or you answer incorrectly, you won't be able to electronically sign your e-file authorization form(s). You can instead print, sign and return your e-file authorization form(s) to DDK.
Q: How is this process different from e-filing?
A: SafeSend Returns allows you to electronically sign your e-file authorization form(s), but it won't submit your return to the IRS. Once signed, DDK is automatically notified, and we will then complete the filing process for you, including submission to the IRS.
Q: Can I sign my dependent's individual return electronically?
A: DDK will deliver your dependent’s return using SafeSend Returns. However, some dependents may not have sufficient government and financial data available to successfully complete the electronic signature process. If there is not enough data available, your dependent will be given the option to download and sign their forms.
Q: Can I set up reminders for my quarterly estimated payment?
A: If estimated payments are included in your review copy, you will automatically receive an email reminder seven days before your payment is due.
Q: Will I receive a notification when my individual return is ready to sign?
A: Yes. Email notifications will be sent from DDK at noreply@safesendreturns.com. We recommend adding this email address to your safe list to prevent the email from getting filtered to spam/junk.
Q: After signing my individual e-file authorization form(s), will I receive confirmation that it was successfully submitted?
A: Yes, once you sign your e-file authorization form(s), you will receive an email stating it was successful. The email will also include a link to download a copy of your tax return for your records.
Once again the Small Business Administration (SBA) has released an Interim Final Rule (IFR) with regards to PPP loans. This IFR allows self-employed individuals who file Form 1040 Schedule C to use gross income in calculating Payroll Costs (as a refresher, payroll costs are a major factor in determining PPP loan amounts). Previously, the owner compensation portion of payroll costs had to be calculated using net income. This put self-employed individuals at a significant disadvantage, as their profit margins are often razor thin.
Under the new IFR, applicants without employees can choose to calculate owner compensation based on Schedule C gross income, subject to a $100,000 cap.
Applicants with employees can choose to calculate owner compensation based on:
Net profit (the original formula) or
Gross income minus certain expenses (employee benefit programs, pension and profit sharing plans, and wages)
The prior requirement that monthly owner compensation multiplied by 2.5 cannot exceed $20,833 still applies. For businesses with an NAICS code beginning in 72, monthly owner compensation multiplied by 3.5 cannot exceed $29,167.
This change is not retroactive. It only applies to PPP loans that are approved after the effective date of this rule.
To mitigate fraud and abuse, the SBA has added a few provisions to this ruling:
If a Schedule C filer uses gross income to calculate their loan amount on a First-draw PPP loan, and the borrower reported more than $150,000 in gross income, that borrower may be subject to a review by the SBA.
Borrowers must provide evidence they are self-employed, in the form of an IRS Form 1040 Schedule C or an IRS Form 1099-MISC from the year used to calculate the loan amount.
If a Schedule C filer has used gross income to calculate owner compensation, and that compensation is reported as greater than $150,000, they are no longer eligible for the safe harbor that the SBA previously provided. This safe harbor was intended for borrowers that, together with their affiliates, received PPP loans with an original principal amount of less than $2 million.
Finally, this updated IFR updated removes restrictions preventing businesses that are at least 20% owned by individuals in the following categories from applying for PPP loans.
Individuals with prior non-fraud felony convictions
Individuals who are delinquent or in default on their federal student loans
We can help
To find out how this rule applies to you, or if you have any other questions, your DDK Tax Advisor and the DDK PPP Team are here to assist you with further guidance.
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