Important Reminder: Update Your W-9 If Your Information Has Changed

Feb 9, 2026

As we continue into the year, this is an important compliance reminder for all agents.

If at any point this year you move, change your legal name, update your business entity, or modify how you receive commission payments, you must submit an updated W-9 to Arbor.

Why This Matters

Your W-9 is what we use to:

Issue your 1099 at year-end
Report your income correctly to the IRS
Ensure commission payments match your legal tax information

If your W-9 does not match your current legal name or Tax ID, it can delay payment processing and create tax reporting issues — including potential IRS penalties or backup withholding.

Situations That Require a New W-9

Please submit an updated W-9 if you:

Change your legal name (marriage, divorce, etc.)
Form or dissolve an LLC or corporation
Switch from individual to entity (or vice versa)
Update your Tax ID (SSN to EIN, or obtain a new EIN)
Move and change your mailing address
Make any change to how commissions are paid

Even small changes matter when it comes to IRS reporting.

What To Do

Complete a new IRS Form W-9 (most current version).
Ensure the name matches exactly with your Social Security card or EIN registration.
Submit the signed form to Suz Moshenko at suzanne@arborrealestate.com for processing.