Preparer disclosures · Updated September 2026

Disclosures & price list

New York State requires every registered tax return preparer to post their registration certificate and price list, and to tell you certain things before you hire them. This page is that posting. Margin is a trade name of Talcoe LLC. We are an independent tax preparation service and are not affiliated with the Internal Revenue Service or the New York State Department of Taxation and Finance.

New York State Tax Preparer Registration

Registrant: Mohammed Usama
Firm: Talcoe LLC (dba Margin)
NYTPRIN: 13367328
Registration year: 2026
Registration type: Tax Preparer
IRS PTIN: P03478913
IRS status: Authorized IRS e-file Provider (Electronic Return Originator)

A copy of our Certificate of Registration is available on request. You can verify any New York preparer's registration in the state's public Registered Tax Return Preparers and Facilitators database.

Price list

Flat prices, quoted and agreed before any work begins. The tier depends only on how much is in your return, and the estimate you get from our quote form uses the same rules shown here.

Tier	Price	Typical situation
Simple return	$49	W-2 income, single or head of household, one or two documents, current tax year. Students and first time filers included
Standard return	$89	Adds items such as dependents, investment or crypto activity, a joint or separate filing status, several income documents, or a prior year return
Complex return	$149	Self employment or 1099 income, a business, rental property, or a move between states
Multiple tax years	per year	Each year is priced at its own tier. A three year catch up is three returns, not one

Both your federal return and your New York State return are included in the price for that tier. There is no charge for e-filing, no charge for a copy of your return, and no hourly billing. If your situation turns out to be more involved than what you told us, we tell you the new price and you decide before we continue.

Representation if your return is examined

New York requires us to tell you this up front: we do not represent clients in audits or examinations. Your preparer holds an IRS PTIN and a New York registration but is not a certified public accountant, an enrolled agent, or an attorney, and therefore cannot represent you before the Internal Revenue Service. If your return is examined, we will promptly give you your complete file and the workpapers supporting every figure, answer your questions about how the return was prepared, and refer you to an enrolled agent, CPA, or tax attorney who can represent you.

What we will always do

Ask you about your income, expenses, family, and anything else needed to complete your return accurately.
Let you review the completed return, including any bank account information, and answer your questions before you sign it.
Sign your return as the paid preparer and enter our PTIN and NYTPRIN on it.
E-file your return, unless you specifically ask us to paper file.
Give you a complete copy of the filed return.
Give you a written statement of the price before we start, and keep a year round address and phone number where you can reach us.

What we will never do

Ask you to sign a blank or incomplete return, or a return with information you do not understand.
Charge a separate fee to e-file your New York State return. New York prohibits it, and we do not do it.
Guarantee that you will receive a refund, or that you will not be audited. Nobody can promise either.
Base our fee on the size of your refund.
Offer or arrange a refund anticipation loan or refund anticipation check. We do not provide them, so no such fee applies.
Ask for your Social Security number, date of birth, bank details, or photos of your ID by email, text message, or a web form. Those come only through our encrypted client portal.
Use or disclose your tax return information for any purpose other than preparing your return, unless you give us written consent as required by Internal Revenue Code section 7216.

Reach us year round

Email: mdusama2017@gmail.com
Phone: (929) 204-1987
Mail: Talcoe LLC (Margin)
9227 160th St Apt 806
Jamaica, NY 11433-1462

If you have a complaint

You can read your rights in the New York State Department of Taxation and Finance brochure Consumer Bill of Rights Regarding Tax Preparers (Publication 135), available at tax.ny.gov. If you believe a preparer has not followed these requirements, you may file a complaint with the department's Office of Professional Responsibility at tax.ny.gov (search: complaint) or by calling 518-457-5181.

© 2026 Margin, a trade name of Talcoe LLC · margin.nyc · Independent tax preparation. Not affiliated with the Internal Revenue Service.
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