{"id":34938,"date":"2020-06-18T23:56:54","date_gmt":"2020-06-19T03:56:54","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=34938"},"modified":"2020-06-19T10:05:30","modified_gmt":"2020-06-19T14:05:30","slug":"business-report-explaining-the-2020-w-4-form","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2020\/06\/business-report-explaining-the-2020-w-4-form\/","title":{"rendered":"Business Report: Explaining The 2020 W-4 Form"},"content":{"rendered":"<figure id=\"attachment_34939\" aria-describedby=\"caption-attachment-34939\" style=\"width: 195px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-34939 size-medium\" src=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2020\/06\/dubiac-column-c-195x300.jpg\" alt=\"\" width=\"195\" height=\"300\" srcset=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2020\/06\/dubiac-column-c-195x300.jpg 195w, https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2020\/06\/dubiac-column-c.jpg 432w\" sizes=\"auto, (max-width: 195px) 100vw, 195px\" \/><figcaption id=\"caption-attachment-34939\" class=\"wp-caption-text\">Jeannine Dubiac, FPC is a partner at Priority One Payroll in Malta.<\/figcaption><\/figure>\n<p class=\"p1\">BY JEANNINE DUBIAC, FPC<\/p>\n<p class=\"p2\"><span class=\"s1\">Employers be aware. The IRS has updated the 2020 Form W-4 Employee\u2019s Withholding Certificate.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">This new version of the W-4 form is required for all new hires in 2020 and for employees who want to make a change to their withholding for 2020. Employees hired prior to Jan. 1 are not required to submit a new form.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">This new 2020 W-4 form will look different! There is no longer the ability to select withholding allowances to account for additional income, deductions and tax credits. The new form include lines where employees can enter those amounts directly that will be used in calculating the withholding amount.<\/span><!--more--><\/p>\n<p class=\"p2\"><span class=\"s1\">The IRS is not requiring all employees to complete the new W-4. Only those employees that are new hires or those that would like to make changes to their withholdings will be required to use the new revised form. The IRS has designed the tax tables to work with both the new form and the prior year versions of the form.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Is your withholding correct for your personal situation? The IRS does not require all employees to complete the new revised W-4 form, however they are recommending that all individuals perform a \u201cpaycheck checkup\u201d to see if they need to make adjustments to their withholding.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">To conduct the checkup, individuals can use the IRS\u2019s Tax Withholding Estimator (www.irs.gov\/W4App). To effectively use the estimator, it is helpful to have a copy of a recent pay stub and tax return. Please note: if the new 2020 W-4 form is not provided, withholding will continue based on your previously submitted form.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">What to expect when completing the new form:<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">The form W-4 has five steps, however only steps 1 and 5 are required. The form can be found at https:\/\/www.irs.gov\/pub\/irs-pdf\/fw4.pdf<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Step 1. For an employee\u2019s personal information. Name, address, social security number and filing status.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Step 2. For an employee or households who have multiple jobs.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Step 3. Provides instructions to determine the amount of the child tax credit and the credit for other dependents that you may be able to claim when you file your tax return.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Step 4. Is for other adjustments such as interest and dividends, deductions other than the standard deduction to reduce withholding and any additional tax the employee wants withheld for each pay period.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Step 5. The employee signs and dates the form.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Compete steps 2-4 only if they apply to your situation, doing so will make your withholding more accurately match your tax liability.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">The IRS also created a new publication \u2013 Publication 15-T, Federal Income Tax Withholding Methods www.irs.gov\/pub\/irs-pdf\/p15t.pdf\u2013 to explain how withholding is calculated with the prior year and 2020 Forms W-4.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Because the 2020 Form W-4, Employee\u2019s Withholding Certificate, is very different from previous versions, communicating the changes to employees will be challenging. Employers should understand that they need to be careful not to give tax or legal advice. Employees should seek the advice of their tax advisor or accountant if they have questions on how to complete the form.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BY JEANNINE DUBIAC, FPC Employers be aware. The IRS has updated the 2020 Form W-4 Employee\u2019s Withholding Certificate. This new version of the W-4 form is required for all new hires in 2020 and for employees who want to make a change to their withholding for 2020. Employees hired prior to Jan. 1 are not [&hellip;]<\/p>\n","protected":false},"author":196,"featured_media":34939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-34938","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning-investments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Business Report: Explaining The 2020 W-4 Form - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2020\/06\/business-report-explaining-the-2020-w-4-form\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Business Report: Explaining The 2020 W-4 Form - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"BY JEANNINE DUBIAC, FPC Employers be aware. The IRS has updated the 2020 Form W-4 Employee\u2019s Withholding Certificate. This new version of the W-4 form is required for all new hires in 2020 and for employees who want to make a change to their withholding for 2020. Employees hired prior to Jan. 1 are not [&hellip;]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2020\/06\/business-report-explaining-the-2020-w-4-form\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Saratoga Business Journal\" \/>\r\n<meta property=\"article:published_time\" content=\"2020-06-19T03:56:54+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2020-06-19T14:05:30+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2020\/06\/dubiac-column-c.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"432\" \/>\r\n\t<meta property=\"og:image:height\" content=\"665\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"jessewinters\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jessewinters\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/\"},\"author\":{\"name\":\"jessewinters\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/b937a48daf87d7a8bd713a73b5d6a1ae\"},\"headline\":\"Business Report: Explaining The 2020 W-4 Form\",\"datePublished\":\"2020-06-19T03:56:54+00:00\",\"dateModified\":\"2020-06-19T14:05:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/\"},\"wordCount\":537,\"image\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2020\\\/06\\\/dubiac-column-c.jpg\",\"articleSection\":[\"Financial Planning \\\/ Investments\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2020\\\/06\\\/business-report-explaining-the-2020-w-4-form\\\/\",\"name\":\"Business Report: Explaining The 2020 W-4 Form - 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