Stop Losing Money on Health Care: How OBBB HSA Changes Protect Colorado Families

 

The One Big Beautiful Bill, or OBBB, brings new rules that help more people use Health Savings Accounts, or HSAs, to save for medical costs tax free. These changes make it easier to get care and still add money to an HSA.​

What is an HSA?

• An HSA is a special account you use to save money for doctor visits, medicine, and other health costs.​

• The money you put in is not taxed, and you can spend it on many health needs.​

• To use an HSA, you usually need a high deductible health plan, called an HDHP.​

Telehealth gets a big boost

• Starting with plan years on or after Jan. 1, 2025, you can get telehealth and other remote care before you meet your deductible and still be allowed to put money in an HSA.​

• This means you can talk to a doctor by phone or video sooner and keep your HSA benefits.​

Bronze and catastrophic plans now count

• On Jan. 1, 2026, bronze and catastrophic health plans will be treated like HDHPs for HSA rules.​

• People in these plans, even if they did not buy them on an Exchange, will be able to contribute to an HSA, which many could not do before.​

Help for direct primary care

• Also starting Jan. 1, 2026, some people in direct primary care (DPC) service plans can still put money in an HSA.​

• They can even use HSA dollars, tax free, to pay the regular DPC fees if the plan meets the new rules.​

Why this matters

• These OBBB changes mean more families can save tax-free money to pay for both in-person and online health care.​

• Notice 2026-05 explains the details so people, employers, and tax pros know how to use these new HSA benefits.

Reach out now, before another year slips by. One calm conversation can turn fear and confusion into a clear HSA game plan that protects your family, your business, and your future.  Click here or call now.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Divorced and Blindsided by His Tax Bill? You Don't Have to Pay It!

 

Divorce is already one of life’s most challenging transitions. The last thing you need is the shock of discovering hidden tax debts left behind by an ex-spouse. It feels like a betrayal twice over—first the relationship ended, and now the financial fallout threatens to drag you under. That sudden realization can leave you feeling exposed, vulnerable, and deeply isolated.

You shouldn't have to carry the weight of someone else's financial choices. I recently worked with a client facing this exact nightmare. Her ex-husband had prepared and submitted their joint tax returns for years. Without her knowledge, he had omitted significant income and claimed tax credits they were never eligible for. The IRS caught the discrepancies and demanded she pay back thousands of dollars. She felt victimized, terrified that her fresh start was being clawed back by the government because of his dishonesty.

This is where the specific expertise of an Enrolled Agent (EA) and a Certified Tax Representation Consultant (CTRC) changes the outcome. We stepped in immediately. By compiling the necessary evidence and filing for Innocent Spouse Relief, we demonstrated that she had been misled and should not be held liable for his deceit. The IRS agreed, and those thousands of dollars in debt were lifted from her shoulders.

As your advocate, I act as your shield, stopping the harassment and ensuring you never face the IRS alone. We dismantle the shame and frustration of these surprise attacks. Instead of feeling inferior or afraid of liens and levies, you can reclaim your confidence. We turn that overwhelming stress into a concrete victory, ensuring you walk away not just compliant, but optimistic about a future that is finally, truly your own.

You feel isolated, victimized, and stuck—but you are not alone. I specialize in turning 'victims' into 'victors' against the IRS. Don’t let fear paralyze you for one more second.   Click here or call my number now and let’s start your true independence day.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Sleepless in the Springs? End the Nightmare of Back Taxes Today

 

Waking up with the weight of IRS debt feels like carrying a backpack full of stones. It’s not just about the money; it’s the constant, low-level hum of anxiety that follows you everywhere. That sinking feeling of isolation, the shame of unfiled returns, and the fear of the next letter in the mailbox can make you feel exposed and vulnerable. You aren't just worried about your bank account; you are worried about your future.

But there is a turning point where that narrative changes. The Offer in Compromise (OIC) program is more than a tax form; it is a profound shift from feeling victimized by the system to reclaiming control of your life. When you successfully navigate an OIC, the relief is physical. The harassment stops. The threat of liens vanishes. Suddenly, instead of looking over your shoulder, you are looking forward.

This journey requires a guide who understands the terrain. This is where the dual expertise of an Enrolled Agent (EA) and a Certified Tax Representation Consultant (CTRC) becomes your lifeline. As an EA, I am federally licensed to represent you, standing between you and the IRS to ensure your rights are protected. Adding the CTRC designation means I specialize in the intricate strategies of tax resolution.

Together, we dismantle the overwhelming stress. We replace the embarrassment of past mistakes with a clear, compliant path forward. You move from feeling inferior and afraid of government claw-backs to feeling confident and secure. Gaining approval for an OIC doesn't just clear the ledger; it restores your peace of mind, allowing you to walk into tomorrow with your head held high, free from the shadows of yesterday’s tax burdens.

The secret you are keeping about your unfiled taxes is exhausting you. Drop that heavy load at my door. I have handled cases just like yours in Colorado Springs, and I know the way out.  Click here and let's stop the fear before it grows any larger.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Free Yourself from Your Ex’s Tax Nightmares. Stand Strong Today

Divorce changes everything. It is a time when the ground beneath you feels shaky, and you are just trying to find your footing again. The emotional toll is heavy enough without the sudden, crushing weight of financial surprises. Unfortunately, many people finalize their separation only to find a terrifying letter from the IRS regarding joint debts, unfiled returns, or hidden business liabilities they knew nothing about.

In that moment, feelings of embarrassment and annoyance can take over. You might feel ashamed for missing filings or terrified that the government will start clawing back your hard-earned money through liens and levies. It is easy to feel exposed, vulnerable, and completely isolated, believing you have to face the IRS alone while trying to rebuild your life.

You do not have to carry that burden.

This is where specialized professional help changes the narrative. As an Enrolled Agent (EA), I am licensed by the federal government to represent taxpayers. This means I stand directly between you and the IRS. You never have to talk to them; I handle the communication, stopping the harassment and the noise. Additionally, as a Certified Tax Representation Consultant (CTRC), I possess the specific training to navigate complex resolution options, such as Innocent Spouse Relief, ensuring you aren't penalized for an ex-spouse’s mistakes.

My goal is to eliminate the feeling of being victimized by the system. We work together to ensure you are not worrying about fines, penalties, or future surprises. We strip away the stress of non-compliance and the fear of inferiority. Instead of looking over your shoulder, you can look forward with confidence and optimism, knowing your financial future is secure and protected.

Stop hiding from the mailbox. Stop feeling embarrassed. You deserve a future free from your ex’s financial shadows. Contact us today,   Click here or call now and let’s silence the IRS together.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Left With a Broken Heart and an IRS Bill? Healing Starts Here

 

There is a unique kind of heaviness that settles in the chest when you realize a former partner has left you with more than just a broken heart—they’ve left you with the IRS. For many, this financial betrayal feels isolating. You might feel ashamed for missing filings, embarrassed by the mounting notices, or simply victimized by a mess you didn’t create. Waking up at 3:00 AM worrying about bank levies or wage garnishments is a lonely, terrifying experience.

But I have sat across from countless individuals who walked in with their shoulders slumped in defeat and walked out breathing freely for the first time in years. The turning point comes when they realize they do not have to face the government alone, and often, they do not owe the debts they feared.

This is where specialized advocacy changes everything. An Enrolled Agent (EA) is a federally licensed tax practitioner with unlimited rights to represent taxpayers before the IRS. Unlike a standard preparer, an EA is trained to navigate federal bureaucracy. When you pair that with a Certified Tax Representation Consultant (CTRC), you have a professional specifically trained to handle tax crises, from audits to Innocent Spouse Relief.

We step between you and the IRS. The harassment stops because we take the calls. The fear of surprise liens or money being clawed back fades because we construct a defense that protects your future. I have seen clients transform from feeling exposed and vulnerable to feeling empowered. That crushing sense of annoyance and frustration is replaced by a clear, manageable path forward.

You deserve to look at your mailbox without panic. You deserve to feel optimistic about your financial future, knowing you are compliant, protected, and finally free from the shadows of the past.

Stop letting shame tell you that this is your fault. It isn’t. You were betrayed, but you don't have to be a victim forever. Contact us immediately to stop the levies, stop the lies, and start your recovery.  Click here or call now.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

From Shame to Strength: How Tax Professionals Navigate OIC for Real Peace

 

The pile of IRS letters sits unopened on your kitchen counter. Each one stirs a knot of anxiety in your chest. An Offer in Compromise (OIC) sounds like hope—a way to settle your tax debt for less—but the process feels impossibly complex. The forms, the documentation, the fear of rejection... it's overwhelming. Many people feel trapped between desperation and confusion, wondering if professional help is worth the investment.

Here's what changes everything: when you stop trying to navigate this alone.

An Enrolled Agent (EA) or Certified Tax Representation Consultant (CTRC) brings more than expertise to your OIC journey. They bring understanding. They know the IRS doesn't see you as a case number—they see someone ready for a fresh start. These professionals have spent years mastering the nuances of OIC applications, understanding exactly what documentation strengthens your case and what language resonates with IRS reviewers.

More importantly, they transform your emotional experience. The shame of owing debt lifts when someone competent is managing the process. The fear of dealing with government agencies diminishes. The frustration of confusing forms disappears. Instead of feeling helpless, you feel supported. Instead of feeling ashamed, you feel empowered.

A skilled tax professional doesn't just file paperwork—they advocate for you. They build a compelling narrative around your circumstances, presenting your financial situation in the strongest possible light. They handle appeals if needed, shoulder the communication burden, and keep you informed every step of the way.

Your tax story doesn't have to be one of frustration and defeat. With the right professional partnership, it becomes one of resolution, relief, and hope for tomorrow.

Stop hiding from those IRS letters—let a professional transform your tax burden into hope and healing.  Click here or call now.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Innocent but Entangled: Colorado Springs Divorce Tax Relief You Can Trust

When facing tax debt or an innocent spouse situation, the emotional toll can feel heavier than the paperwork itself. The letters, deadlines, and confusing terminology from both the IRS and the State of Colorado can make anyone’s heart race. It’s more than numbers—it’s about trust, fairness, and relief from the constant worry that your financial life is under scrutiny.

Colorado follows many of the same principles as the IRS when it comes to tax relief, yet subtle differences can make all the difference in a successful resolution. Just like the IRS, Colorado offers relief options for innocent spouses—those who were unaware of their partner’s inaccurate or unreported income. However, the state process has its own procedures and deadlines, and coordinating both state and federal claims takes careful alignment. When handled correctly, this coordination creates a unified approach, easing the burden and helping you rebuild your financial peace of mind.

As an Enrolled Agent (EA) and Certified Tax Representation Consultant (CTRC), guiding clients through that maze means more than filing forms—it’s restoring confidence. Through open communication and thoughtful representation, the stress of dealing with government notices fades. Clients who once felt embarrassed, ashamed, or isolated find reassurance knowing someone fully understands the path toward resolution. Tax relief isn’t just about fixing the problem; it’s about restoring calm, dignity, and control.

No one deserves to feel harassed or helpless when facing tax challenges. Colorado’s connection to the IRS system may be complex, but with expert, empathetic representation, finding balance and peace is absolutely possible.

The tax burden isn’t yours to bear—reach out today for compassionate help. Click here or call now.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Colorado Springs Tax Fear Stops Here: Compassionate Help for Unfiled and Overdue Taxes

Feeling financially exposed can be emotionally draining. The weight of tax debt often brings feelings of shame, fear, and helplessness. Many people quietly wrestle with sleepless nights, worrying about IRS notices, liens, and penalties that seem to grow out of control. But those painful feelings don’t have to define your future.

When life feels unmanageable, one powerful solution is an Offer in Compromise (OIC)—a program that allows qualifying taxpayers to settle their tax debt for less than the full amount owed. Beyond the financial relief, OIC offers something deeper: the peace of knowing that recovery is possible, that second chances exist, and that control can be regained.

An Enrolled Agent (EA) and Certified Tax Representation Consultant (CTRC) bring not only technical skill but also empathy grounded in years of working with individuals feeling overwhelmed and isolated. Their role is to step between you and the IRS, eliminating the constant fear of collection calls and ensuring no one faces the system alone.

Through careful planning, compliance restoration, and strategic negotiation, an EA and CTRC remove the feelings of embarrassment, frustration, and vulnerability tied to unresolved tax issues. Clients move from being anxious and uncertain to feeling confident, prepared, and optimistic. Life feels manageable again—no longer trapped in financial chaos but standing on steady ground.

Colorado Springs, don’t suffer in silence one more day.  Click here or call now and let someone fight for you.

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

Colorado Springs: One Signature, Years of IRS Anxiety

Filing a joint return often feels like an act of trust—a shared signature meant to represent teamwork and togetherness. Yet, that same signature can also become the source of deep stress. When one spouse hides income, underreports earnings, or fails to pay the taxes owed, both partners can suddenly find themselves tangled in an IRS nightmare. The emotional toll can be heavy—embarrassment, fear, and a sense of betrayal often take hold long before the tax debt is even resolved.

Many taxpayers don’t realize that help exists in these situations. The IRS created Innocent Spouse Relief to protect those who unknowingly signed a return that wasn’t truthful or complete. This program can free an innocent spouse from responsibility for unpaid taxes, penalties, and interest caused by their partner’s actions. However, qualifying requires more than just a plea for fairness—it takes clear documentation, thoughtful representation, and careful understanding of complex IRS procedures.

That’s where working with an Enrolled Agent (EA) and a Certified Tax Representation Consultant (CTRC) can make all the difference. As federally licensed professionals, they represent taxpayers directly before the IRS and know how to navigate these difficult conversations with precision and care. They not only focus on the numbers but also on restoring peace of mind—helping clients who feel ashamed, frightened, or isolated regain confidence and control.

At Cash Tracks Financial and Panther Tax Resolution, the goal is simple: lift the burden, silence the IRS worries, and rebuild a client’s sense of stability. No one should feel trapped by a signature from the past; with the right guidance, financial freedom and emotional relief are within reach.

Tears, shame, and panic are not a tax plan: Click here to reach out today and let support replace fear with calm and clarity

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com

When Old Tax Problems Haunt Every Paycheck in Colorado Springs

 

Few things feel more humiliating than carrying tax debt in silence, bracing for judgment from friends, family, and even tax professionals. Many people believe that asking for help through the Fresh Start Initiative or an Offer in Compromise is a sign of failure, laziness, or “gaming the system.” In reality, these programs exist to give honest taxpayers a structured way to rebuild when life has knocked them down.

One common myth is that only “bad” people qualify, or that the IRS will punish anyone who even applies. Another misconception is that an Offer in Compromise is a “magic wand” that erases everything overnight. The truth sits in between: the IRS asks for full financial transparency and, in return, may agree to settle for less than the full balance when paying in full would create long‑term hardship. Used correctly, these tools reduce tax liens, stop aggressive collection, and allow a fresh start without endless shame.

An Enrolled Agent (EA) and a Certified Tax Representation Consultant (CTRC) can make this journey feel far less frightening. An EA understands IRS rules and negotiates directly with the government, helping structure requests that match the reality of income, expenses, and assets. A CTRC brings not only technical training in tax controversy, but also a deeper focus on the emotional weight of tax debt—calming the panic, clarifying options, and building a step‑by‑step relief strategy.

With the right guidance, clients move from feeling annoyed, embarrassed, and isolated to feeling informed, supported, and hopeful. Instead of staying stuck in shame about unfiled returns or past mistakes, they begin to see tax compliance as a pathway to confidence, stability, and a future they can finally look forward to.

If your chest tightens every time you think about the IRS, call now Call now or Click here and let someone in Colorado Springs fight for your calm!

Featured in the International Business Times, Marcelino Dodge, EA, CTRC shares how he helps taxpayers break free from IRS stress and rebuild financial confidence — read the full story now.

Learn more on The Tax Answers Advisor podcast.

Cash Tracks Financial of Colorado Springs

Marcelino Dodge, EA, CTRC

525 N Cascade Ave., Suite 200

Colorado Springs, CO 80903

(719) 359-8789

www.cashtracksfinancial.com

success@cashtracksfinancial.com