HIVE TAX AI
Lotus Li
Lotus Li is a CPA who has transformed 20 years of professional experience into building products with a mission to simplifying everyone’s tax journey. She is passionate about bringing cutting-edge AI into the world of tax and finance and is deeply immersed in designing, building, and launching innovative AI-powered tax solutions.
Should I accelerate or defer income?
For most cash-method individuals, the big limitation is constructive receipt: you generally cannot avoid tax just by asking to be paid later
Should I bunch deductions?
Bunching deductions usually makes sense only if you are close to the line between taking the standard deduction and itemizing.
Should I make estimated tax payments?
You should make estimated tax payments for 2026 if you expect both of these to be true
Should I increase retirement contributions?
Usually yes, if your goal is to reduce 2026 taxable income and you are not already maxing out your available retirement accounts.
Should I change withholding now instead of waiting until year-end?
Yes — if your current withholding looks off, changing it now is usually better than waiting until year-end.
Should I do a midyear tax projection?
A midyear projection helps you estimate your 2026 tax using year-to-date income, deductions, credits, withholding, and estimated payments
What should I do now to reduce my 2026 taxes?
For federal tax year 2026, the main ways to reduce tax are to lower adjusted gross income, maximize deductions, and claim credits you qualify for
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Why did my clean vehicle credit get reduced or denied?
Your income was over the limit. For a new clean vehicle, the modified AGI limit is $300,000 for married filing jointly or qualifying surviving spouse