Dear Liz: Finding a tax professional who genuinely prioritizes your best interests can seem daunting but is absolutely crucial for your financial well-being. Your specific concern about switching from a traditional 403(b) to a Roth 403(b) is a significant decision that can have substantial tax implications, so it’s wise to seek expert advice. First, ensure the tax preparer holds a valid Preparer Tax Identification Number (PTIN), which is required to legally prepare federal tax returns.

You might also look for credentials such as a Certified Public Accountant (CPA) or an Enrolled Agent (EA), as these professionals are bound by stringent ethical standards and have to undertake continuing education to maintain their designation. Second, verify their track record. A good preparer shouldn't hesitate to provide references or have a history of satisfied clients. You can also check for any disciplinary actions through resources like the Better Business Bureau or your state’s accountancy board.

Online reviews can also offer valuable insights into the preparer's reliability and expertise. Third, consider transparency and communication. A competent tax professional should be willing to explain their decision-making process and how it benefits you. They should clarify the tax implications of switching your 403(b) to a Roth 403(b) clearly, helping you understand how this move could affect your tax bracket both now and in the future.

Lastly, compare fees but don't base your decision solely on cost. Quality service might come at a higher price, but it can save you money and headaches in the long run. Avoid those who base their fees on a percentage of your tax refund, as this practice can be a red flag for unethical behavior. By taking these steps, you can find a tax preparer who not only has the credentials and experience but also the dedication to put your best interests first.