{"id":995120,"date":"2026-09-22T07:10:03","date_gmt":"2026-09-22T07:10:03","guid":{"rendered":"https:\/\/ncsgx.com\/us\/?p=995120"},"modified":"2026-09-22T07:10:57","modified_gmt":"2026-09-22T07:10:57","slug":"savers-match-payroll-records","status":"publish","type":"post","link":"https:\/\/ncsgx.com\/us\/blog\/savers-match-payroll-records\/","title":{"rendered":"Saver&#8217;s Match 2027 &#8211; How US Accounting Firms Can Get Payroll Records Ready"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"995120\" class=\"elementor elementor-995120\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5200270 e-flex e-con-boxed e-con e-parent\" data-id=\"5200270\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4427eb elementor-widget elementor-widget-text-editor\" data-id=\"c4427eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span data-contrast=\"none\">Introduction<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">The Saver\u2019s Match begins with qualifying retirement contributions made for tax years beginning after December 31, 2026.<\/span> <a href=\"https:\/\/www.irs.gov\/credits-deductions\/savers-match\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">IRS guidance<\/span><\/a><span data-contrast=\"auto\"> confirms the program&#8217;s 2027 start and related filing requirements. For U.S. accounting firms, accurate <\/span><span data-contrast=\"auto\">Saver\u2019s Match payroll records<\/span><span data-contrast=\"auto\"> will help substantiate employee deferrals, IRA deposits, and other retirement contributions before 2027 activity flows into the 2028 tax-filing season. For firms supporting clients with ongoing bookkeeping and financial recordkeeping, <\/span><a href=\"https:\/\/ncsgx.com\/us\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">NCSGX<\/span><\/a><span data-contrast=\"auto\">\u2019s accounting services can help keep these records organized and easier to reconcile. Organizing records now can reduce reconciliation problems and make Form 8880-A preparation more efficient.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b159737 e-flex e-con-boxed e-con e-parent\" data-id=\"b159737\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48b4d46 elementor-widget elementor-widget-text-editor\" data-id=\"48b4d46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span data-contrast=\"none\">Key Takeaways<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">&nbsp;<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">The Saver\u2019s Match replaces the Saver\u2019s Credit for qualifying retirement contributions beginning with the 2027 tax year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Eligible taxpayers can receive up to 50% of their first $2,000 of qualified contributions, for a maximum of $1,000 per person.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Saver&#8217;s Match MAGI thresholds vary by filing status and determine whether the taxpayer receives a full, partial, or no match.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Payroll records should be reconciled with retirement plan contribution reports and other supporting documentation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">payroll deferral reconciliation retirement records can help identify missing or duplicate contribution transactions before tax filing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"22\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">The match is claimed on Form 8880-A with the taxpayer\u2019s 2027 federal return in 2028.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b58abc e-flex e-con-boxed e-con e-parent\" data-id=\"9b58abc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc94ecd elementor-widget elementor-widget-text-editor\" data-id=\"dc94ecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span data-contrast=\"none\">Saver&#8217;s Match 2027 &#8211; How US Accounting Firms Can Get Payroll Records Ready<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:322,&quot;335559739&quot;:322}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">The Saver\u2019s Match introduces new retirement savings considerations for the 2027 tax year. While employers do not fund the federal match, accurate payroll and retirement contribution records will help accounting firms reconcile client data and prepare for the 2028 tax-filing season.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de7bd2 e-flex e-con-boxed e-con e-parent\" data-id=\"9de7bd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b14303 elementor-widget elementor-widget-text-editor\" data-id=\"5b14303\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span data-contrast=\"none\">What the Saver&#8217;s Match Actually Changes for Clients<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h4><p><span data-contrast=\"auto\">The Saver\u2019s Match is a new federal retirement savings incentive created under SECURE 2.0. For qualifying retirement contributions beginning in 2027, it generally replaces the Saver\u2019s Credit. Unlike the previous non-refundable credit, the Saver\u2019s Match is generally paid as a contribution to an eligible retirement savings vehicle after the taxpayer claims it on the federal return.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span class=\"TextRun SCXW133580248 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133580248 BCX8\">An eligible individual can receive a match of up to 50% of the first $2,000 of qualified retirement savings contributions. That means the maximum <\/span><\/span><a class=\"Hyperlink SCXW133580248 BCX8\" href=\"https:\/\/www.irs.gov\/irb\/2026-35_IRB\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW133580248 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW133580248 BCX8\" data-ccp-charstyle=\"Hyperlink\">Saver\u2019s Match<\/span><\/span><\/a><span class=\"TextRun SCXW133580248 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133580248 BCX8\"> is $1,000 per person. The federal government provides the contribution, so employers and payroll providers do <\/span><\/span><span class=\"TextRun SCXW133580248 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133580248 BCX8\">not<\/span><\/span><span class=\"TextRun SCXW133580248 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133580248 BCX8\"> fund or administer it as an employer payroll match.<\/span><\/span><span class=\"EOP Selected SCXW133580248 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05e45ef e-flex e-con-boxed e-con e-parent\" data-id=\"05e45ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5952722 elementor-widget elementor-widget-text-editor\" data-id=\"5952722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table style=\"font-weight: 400; width: 100%; border-collapse: collapse;\" data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1696\"><tbody><tr style=\"background-color: #1a1a4e; color: #ffffff;\"><td style=\"background-color: #1a1a4e; color: #ffffff; padding: 12px; border: 1px solid #FFFFFF;\"><b>Filing status<\/b><\/td><td style=\"background-color: #1a1a4e; color: #ffffff; padding: 12px; border: 1px solid #FFFFFF;\"><b>Full-match starting point<\/b><\/td><td style=\"background-color: #1a1a4e; color: #ffffff; padding: 12px; border: 1px solid #FFFFFF;\"><b>Phaseout range<\/b><\/td><td style=\"background-color: #1a1a4e; color: #ffffff; padding: 12px; border: 1px solid #FFFFFF;\"><b>No match at or above<\/b><\/td><\/tr><tr><td>Single<\/td><td>$20,500<\/td><td>$15,000<\/td><td>$35,500<\/td><\/tr><tr><td>Married Filing Jointly<\/td><td>$41,000<\/td><td>$30,000<\/td><td>$71,000<\/td><\/tr><tr><td>Surviving Spouse<\/td><td>$41,000<\/td><td>$30,000<\/td><td>$71,000<\/td><\/tr><tr><td>Head of Household<\/td><td>$30,750<\/td><td>$22,500<\/td><td>$53,250<\/td><\/tr><tr><td>Married Filing Separately<\/td><td>$20,500<\/td><td>$15,000<\/td><td>$35,500<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71c8803 e-flex e-con-boxed e-con e-parent\" data-id=\"71c8803\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e5fbc0 elementor-widget elementor-widget-text-editor\" data-id=\"8e5fbc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">The applicable percentage decreases as MAGI moves through the phaseout range. For example, a single taxpayer with $30,000 of 2027 MAGI and $1,500 of qualified contributions would receive a 19% match under the calculation described in Notice 2026-48.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">These amounts apply for 2027. The applicable dollar amounts are adjusted for inflation after 2027, while the $2,000 contribution limit is not adjusted for inflation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37fa2af e-flex e-con-boxed e-con e-parent\" data-id=\"37fa2af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed85079 elementor-widget elementor-widget-text-editor\" data-id=\"ed85079\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span data-contrast=\"none\">Which Contributions Count and Which Records to Start Capturing Now<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h4><p><span data-contrast=\"auto\">Qualified contributions can include traditional or Roth IRA contributions, elective deferrals to qualifying employer-sponsored plans, certain voluntary after-tax employee contributions, and contributions to a qualifying section 501(c)(18) plan. The first $2,000 of qualified contributions is used when calculating the match.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-881f2a2 e-flex e-con-boxed e-con e-parent\" data-id=\"881f2a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1b482b elementor-widget elementor-widget-image\" data-id=\"a1b482b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"936\" height=\"526\" src=\"https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Client_Record_Maintenance_Infographic.webp\" class=\"attachment-large size-large wp-image-995121\" alt=\"An infographic titled &quot;FOR EACH CLIENT, MAINTAIN:&quot; featuring a horizontal, alternating chain of six numbered gears and arrows in dark blue and teal. The six points listed are: 01) Missing payroll deferral records, 02) Contribution totals that do not reconcile, 03) Missing IRA contribution documentation, 04) Incorrect filing-status information, 05) Incomplete MAGI information, and 06) Missing retirement account details.\" srcset=\"https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Client_Record_Maintenance_Infographic.webp 936w, https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Client_Record_Maintenance_Infographic-300x169.webp 300w, https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Client_Record_Maintenance_Infographic-768x432.webp 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5ac9ac e-flex e-con-boxed e-con e-parent\" data-id=\"b5ac9ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ff8435 elementor-widget elementor-widget-text-editor\" data-id=\"5ff8435\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW266956893 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW266956893 BCX8\">A <\/span><\/span><span class=\"TextRun SCXW266956893 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW266956893 BCX8\">Saver&#8217;s Match traditional IRA deposit<\/span><\/span><span class=\"TextRun SCXW266956893 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW266956893 BCX8\"> may be relevant for a client who chooses an eligible traditional IRA as the destination. However, the IRS and Treasury are still developing the procedures for directing Saver\u2019s Match contributions to IRAs, so firms should monitor final guidance rather than treating the current process as permanent.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64c765d elementor-widget elementor-widget-text-editor\" data-id=\"64c765d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span data-contrast=\"none\">Why Payroll Records Matter Even Though Employers Don&#8217;t Fund the Match<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h4><p><span data-contrast=\"auto\">The Saver\u2019s Match is not an employer-sponsored payroll match. Still, <\/span><a href=\"https:\/\/ncsgx.com\/us\/services\/finance-accounting\/payroll-tax-compliance\/\"><span data-contrast=\"none\">payroll records<\/span><\/a><span data-contrast=\"auto\"> can provide evidence of employee elective deferrals made during 2027.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For example, a year-end payroll report can be compared with retirement plan records to confirm that employee deferrals recorded in payroll agree with the amounts reported by the plan or recordkeeper. This creates a stronger audit trail for tax preparation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Wh<\/span><span data-contrast=\"auto\">en reviewing SECURE 2.0 payroll reporting requirements, firms should separate ordinary retirement-plan payroll reporting from the federal Saver\u2019s Match claim process. SECURE 2.0 payroll reporting requirements do not mean an employer should calculate or fund the federal Saver\u2019s Match through payroll.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9ca703 e-flex e-con-boxed e-con e-parent\" data-id=\"b9ca703\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d36e40 elementor-widget elementor-widget-text-editor\" data-id=\"9d36e40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span data-contrast=\"none\">Step 1 &#8211; Reconcile Client Elective Deferral Records for 2027<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Start with a simple three-way comparison:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ol><li><span data-contrast=\"auto\">Payroll records showing employee elective deferrals.<\/span><\/li><li><span data-contrast=\"auto\">Retirement plan or recordkeeper contribution reports.<\/span><\/li><li><span style=\"font-size: 16px;\" data-contrast=\"auto\">Accounting records or year-to-date payroll totals.<\/span><span style=\"font-size: 16px;\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ol><p><span data-contrast=\"auto\">Look for missing transactions, duplicate entries, incorrect employee allocations, and differences between payroll and plan reports.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">A consistent payroll deferral reconciliation retirement process should be completed throughout the year rather than left entirely until tax season. Repeat the payroll deferral reconciliation retirement review at year-end and document how discrepancies were resolved.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c10564a e-flex e-con-boxed e-con e-parent\" data-id=\"c10564a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f556179 elementor-widget elementor-widget-text-editor\" data-id=\"f556179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span data-contrast=\"none\">Step 2 &#8211; Track MAGI Inputs Alongside Contribution Data<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Contribution records alone do not tell you whether a client will receive the full match.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">During tax preparation, compare qualified contributions with MAGI, filing status, and other inform<\/span><span data-contrast=\"auto\">ation used to determine eligibility and the applicable match percentage. Keep the Saver&#8217;s Match MAGI thresholds available when reviewing projected client income and preparing the return.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This is especially important for taxpayers near a phaseout range. A client may make the same retirement contribution as another client but receive a different match because their MAGI or filing status differs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e72cf9c e-flex e-con-boxed e-con e-parent\" data-id=\"e72cf9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9d2f56 elementor-widget elementor-widget-text-editor\" data-id=\"d9d2f56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span data-contrast=\"none\">Step 3 &#8211; Confirm Where the Match Can Legally Land<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">The Saver\u2019s Match is generally paid by the Treasury to an applicable retirement savings vehicle rather than being treated as an employer contribution. Current Notice 2026-48 identifies qualifying employer-sponsored retirement arrangements and certain IRAs, subject to specific requirements. The chosen vehicle must meet the applicable rules and accept Saver\u2019s Match contributions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For a <\/span><span data-contrast=\"auto\">Saver&#8217;s Match traditional IRA deposit<\/span><span data-contrast=\"auto\">, the taxpayer will need to follow the applicable designation process. Because the IRS and Treasury are still developing some IRA registration and payment procedures, firms should verify the final instructions before completing the 2028 return.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f83ed4 e-flex e-con-boxed e-con e-parent\" data-id=\"0f83ed4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d98323 elementor-widget elementor-widget-text-editor\" data-id=\"6d98323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span data-contrast=\"none\">Step 4 &#8211; Prepare for Form 8880-A Filing in the 2028 Season<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">The 2027 Saver\u2019s Match will be claimed when the taxpayer files their 2027 federal income tax return in 2028. The IRS states that taxpayers will use Form 8880-A for the claim.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Before <\/span><span data-contrast=\"auto\">Form 8880-A preparation<\/span><span data-contrast=\"auto\">, have the following organized:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Filing status and taxpayer information<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">2027 MAGI information<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Qualified contribution totals<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Payroll and retirement plan records<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">IRA contribution documentation<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Retirement account details<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"25\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"auto\">Supporting statements and confirmations<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Good <\/span><span data-contrast=\"auto\">Form 8880-A preparation<\/span><span data-contrast=\"auto\"> starts with clean records, not with the tax software screen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e0430 e-flex e-con-boxed e-con e-parent\" data-id=\"61e0430\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34b6db1 elementor-widget elementor-widget-image\" data-id=\"34b6db1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"936\" height=\"526\" src=\"https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Common_Payroll_Retirement_Problems.webp\" class=\"attachment-large size-large wp-image-995123\" alt=\"An infographic titled &quot;COMMON PROBLEMS INCLUDE:&quot; displaying six numbered points arranged horizontally with alternating high and low circular icons in dark blue and teal. The list includes: 01) Contribution amount and date, 02) Retirement account or plan type, 03) Participant information, 04) Payroll deferral amounts, 05) IRA contribution records, and 06) Employer-sponsored plan reports.\" srcset=\"https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Common_Payroll_Retirement_Problems.webp 936w, https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Common_Payroll_Retirement_Problems-300x169.webp 300w, https:\/\/ncsgx.com\/us\/wp-content\/uploads\/sites\/4\/2026\/09\/Common_Payroll_Retirement_Problems-768x432.webp 768w\" sizes=\"(max-width: 936px) 100vw, 936px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-606a426 e-flex e-con-boxed e-con e-parent\" data-id=\"606a426\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4bed7 elementor-widget elementor-widget-text-editor\" data-id=\"7c4bed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW8788902 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW8788902 BCX8\">Maintaining organized <\/span><\/span><span class=\"TextRun SCXW8788902 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW8788902 BCX8\">accounting firm retirement match records<\/span><span class=\"NormalTextRun SCXW8788902 BCX8\"> can make these issues easier to identify. Strong <\/span><span class=\"NormalTextRun SCXW8788902 BCX8\">accounting firm retirement match records<\/span><span class=\"NormalTextRun SCXW8788902 BCX8\"> should connect payroll, retirement-plan, IRA<\/span><\/span><span class=\"TextRun SCXW8788902 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW8788902 BCX8\">, and tax-return information without treating the Saver\u2019s Match as an employer-funded benefit.<\/span><\/span><span class=\"EOP Selected SCXW8788902 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-180970a e-flex e-con-boxed e-con e-parent\" data-id=\"180970a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78d5a12 elementor-widget elementor-widget-text-editor\" data-id=\"78d5a12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span data-contrast=\"none\">Conclusion<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">Accurate 2<\/span><span data-contrast=\"auto\">027 payroll and retirement contribution records can make 2028 tax preparation and Form 8880-A preparation much easier. By reconciling payroll deferrals, IRA contributions, and retirement p<\/span><span data-contrast=\"auto\">lan records early, firms can reduce errors and keep client files ready for the Saver\u2019s Match. <\/span><a href=\"https:\/\/ncsgx.com\/us\/contact\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Contact us<\/span><\/a><span data-contrast=\"auto\"> for support with organized bookkeeping and financial records.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c5918a e-flex e-con-boxed e-con e-parent\" data-id=\"8c5918a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c9c9bc elementor-widget elementor-widget-spacer\" data-id=\"9c9c9bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcc2489 elementor-widget elementor-widget-heading\" data-id=\"bcc2489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions (FAQ)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f217c9 e-con-full e-flex e-con e-child\" data-id=\"4f217c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c763305 elementor-widget elementor-widget-n-accordion\" data-id=\"c763305\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2090\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2090\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1. When do accounting firms actually need Saver's Match payroll records ready?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2090\" class=\"elementor-element elementor-element-833f1ee e-con-full e-flex e-con e-child\" data-id=\"833f1ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f34704 elementor-widget elementor-widget-text-editor\" data-id=\"9f34704\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW184387286 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW184387286 BCX8\">Start organizing records before 2027 contributions begin. Keep them updated throughout 2027 for smoother 2028 tax preparation.<\/span><\/span><span class=\"EOP Selected SCXW184387286 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2091\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2091\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2. Do employ ers or payroll providers calculate and fund the Saver's Match?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2091\" class=\"elementor-element elementor-element-493ad82 e-flex e-con-boxed e-con e-child\" data-id=\"493ad82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f7fbe2 elementor-widget elementor-widget-text-editor\" data-id=\"7f7fbe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW9600162 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9600162 BCX8\">No. The federal government provides the Saver\u2019s Match. It is not an employer-funded payroll match.<\/span><\/span><span class=\"EOP Selected SCXW9600162 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2092\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2092\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 3. What payroll data should firms cross-check first? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2092\" class=\"elementor-element elementor-element-87acbb5 e-flex e-con-boxed e-con e-child\" data-id=\"87acbb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-074b5df elementor-widget elementor-widget-text-editor\" data-id=\"074b5df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW198882944 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW198882944 BCX8\">Cross-check employee deferrals, payroll year-to-date totals, and retirement plan contribution reports. Resolve any missing or mismatched transactions.<\/span><\/span><span class=\"EOP Selected SCXW198882944 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2093\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2093\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4. Why does MAGI matter if the match isn't calculated through payroll? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2093\" class=\"elementor-element elementor-element-9b89b7e e-flex e-con-boxed e-con e-child\" data-id=\"9b89b7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-610a139 elementor-widget elementor-widget-text-editor\" data-id=\"610a139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW38378572 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW38378572 BCX8\">MAGI and filing status determine eligibility and the applicable match percentage. Payroll data should therefore be reviewed alongside tax-return information.<\/span><\/span><span class=\"EOP Selected SCXW38378572 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2094\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2094\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5. Can the Saver's Match be deposited into any retirement account a client already has? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2094\" class=\"elementor-element elementor-element-c260400 e-flex e-con-boxed e-con e-child\" data-id=\"c260400\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0511b9c elementor-widget elementor-widget-text-editor\" data-id=\"0511b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW182620559 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW182620559 BCX8\">Not necessarily. The account must meet the applicable eligibility requirements and be able to accept the Saver\u2019s Match.<\/span><\/span><span class=\"EOP Selected SCXW182620559 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2095\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2095\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6. What should firms do differently for the 2028 filing season compared to prior years?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2095\" class=\"elementor-element elementor-element-88a9639 e-flex e-con-boxed e-con e-child\" data-id=\"88a9639\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69b1945 elementor-widget elementor-widget-text-editor\" data-id=\"69b1945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW110783051 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW110783051 BCX8\">Include Saver\u2019s Match records in the tax-preparation checklist. Reconcile contribution, payroll, IRA, and MAGI information before filing.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Introduction\u00a0 The Saver\u2019s Match begins with qualifying retirement contributions made for tax years beginning after December 31, 2026. IRS guidance confirms the program&#8217;s 2027 start and related filing requirements. For U.S. accounting firms, accurate Saver\u2019s Match payroll records will help substantiate employee deferrals, IRA deposits, and other retirement contributions before 2027 activity flows into the&#8230;<\/p>\n","protected":false},"author":9,"featured_media":995122,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-995120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saver&#039;s Match Payroll Records - What Accounting Firms Need<\/title>\n<meta name=\"description\" content=\"Saver&#039;s Match payroll records need to be accurate before 2027 contributions begin. Learn what your accounting firm should track now for clients. 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He specialises in bookkeeping, BAS and IAS, GST, payroll and STP reporting, financial reporting, and management accounts for Australian accounting firms and SMEs. With command of Australian tax frameworks and tools like Xero, MYOB, and QuickBooks Online, he has driven 50-70% reductions in operating costs for top firms, delivering scalable, partner-ready solutions.","url":"https:\/\/ncsgx.com\/us\/author\/bijalbodiwala\/"}]}},"_links":{"self":[{"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/posts\/995120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/comments?post=995120"}],"version-history":[{"count":7,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/posts\/995120\/revisions"}],"predecessor-version":[{"id":995130,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/posts\/995120\/revisions\/995130"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/media\/995122"}],"wp:attachment":[{"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/media?parent=995120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/categories?post=995120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncsgx.com\/us\/wp-json\/wp\/v2\/tags?post=995120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}