Plan your taxes while the year is still open.
Most of what changes a tax bill happens during the year: what you pay in estimates, what you put toward retirement, when you buy the truck. Planning means looking at those while there is still time to choose.
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Tax planning is a conversation about your year while it is still happening.
We look at what you have earned so far, what is still coming, and the choices that change the bill. Then we put it in writing, with dates.
What we look at
- Estimated payments and withholding. So April has no surprise, and no underpayment penalty.
- Retirement contributions. Which accounts fit how you earn, and the dates each one has.
- Timing. When to buy equipment, when to send the last invoices, and what moves the bill between this year and next.
- How your business is taxed. Whether an S-corp election makes sense now, later or not at all.
- Life changes. A new child, a home, a marriage, a move to Florida. Each one changes something.
What planning is not
It is not a promise of savings. Some years planning finds money; some years it confirms you are already in good shape and keeps a penalty off your bill. Either way you know before April, not after.
It is not investment advice either. We show you the tax effect of a decision; we don't tell you what to buy.
How it works
- A free call. Fifteen minutes on what changed this year and what is coming.
- A review. Last year's return and this year's numbers. If we already keep your books, we have them.
- A written plan. What to do, by when, and roughly what it changes.
- A check-in before year end. To adjust the plan to how the year actually went.
Tax preparation and IRS representation, with an Enrolled Agent on the team. When it is time to file, the same firm prepares the return.
Tax planning questions.
When is the best time for tax planning?
Before the year ends. October and November leave time to act on most choices. Some retirement contributions can still be made after December 31 and others have to be set up before it, so we check the dates that apply to you. After the year closes, most of it is already decided.
Do I need tax planning if I only have a W-2?
Usually not much. A quick look at your withholding covers most of it. Planning pays off most when income is uneven: self-employment, a business, rentals, a big sale or a change in your life.
Will planning lower my taxes?
It can, but we won't promise a number. What it always does is show you the bill early, while there is still time to choose, and help you avoid underpayment penalties by getting your estimates right.
Is an S-corp right for my business?
Sometimes. An S-corp election can lower self-employment tax once profit is steady and high enough to pay yourself a reasonable salary, but it adds payroll, a separate return and costs of its own. We run the numbers both ways before you decide.
What does it cost?
It depends on how much is moving in your year. You get a written quote after the free call, before any work starts, and our fee never depends on the size of your refund.
Plan the year while there is time.
A free 15-minute call · A written plan with dates · A written quote before any work