The answer is NEITHER! Why don’t you want a giant refund? Because that means the government has had your money all year, you haven’t, and they have not paid you any interest! And, no, you don’t want to pay taxes for obvious reasons. So, that means you should shoot for a “break even” at year end. The way you can achieve this is how you fill out your W-4 for your employer or your W-9P for whomever pays your pension. If you prefer, you can send in quarterly estimates. If you have questions or problems with your W-4 or how to fill it out, please call the office and set an appointment to speak with one of our Payroll Specialists, they can advise you on the proper way to complete a W-4 for 2019. This informative meeting can be held at the same time we go over your tax information for 2018 Tax Return preparation. The office can be reached at 239-772-1040 or you can email us directly at firstname.lastname@example.org .