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Book an intro call

20 minutes. No cost, no pressure.

Tax planning that happens before the year ends.

Most tax savings are decided months before a return is filed. We look ahead with you, so decisions about your entity, your pay and your retirement are made while they still count.

Book an intro call

20 minutes. No cost, no pressure.

What’s included

  • Entity choice and S-corp elections
  • Reasonable compensation for S-corp owners
  • Retirement plan strategy: SEP IRA, Solo 401(k) and others
  • Federal R&D tax credit
  • Quarterly estimated taxes
  • Year-end planning
  • Multi-state planning for owners who move or work across state lines

Who it’s for

Profitable owners who suspect they’re paying more than they should, and anyone facing a big change: a new entity, a sale, a move or a jump in income.

How it works

A planning conversation built around your numbers, followed by written recommendations. Then we help you put them in place.

Planning calendar — Sample

  1. Q1
    • Estimated tax payment
    • S-corp election window
  2. Q2
    • Reasonable salary check
    • Retirement plan choice
  3. Q3
    • Mid-year projection
    • R&D credit review
  4. Q4
    • Year-end moves
    • Contributions and timing
When the decisions get made, not what they save. Prepared and reviewed by The owners

Related work

Early-stage technology company

The problem
The company was doing real development work but had never claimed the federal research credit.
What we did
Documented qualifying activities against the four-part test, calculated the credit, and prepared Form 6765 with the return, along with a supporting memo.
The result
A credit claim backed by documentation that holds up to questions.
Tax planning

Questions

When should my business elect S-corp status?

When profit is high enough that paying yourself a reasonable salary plus distributions saves more in payroll tax than the extra cost of running payroll and filing a separate return. There’s no single income number. It depends on your profit, your industry and your state. For the election to apply to the current year, Form 2553 is generally due within two months and 15 days of the start of that year, and a missed deadline can sometimes be fixed.

SEP IRA or Solo 401(k)?

A Solo 401(k) often lets you put away more at the same income, because you contribute as both employee and employer. A SEP is simpler to run. The right choice depends on your income, whether you have employees and your timing. We’ll run the numbers both ways.

Does my company qualify for the R&D credit?

If you’re developing or improving products, software or processes and working through technical uncertainty to do it, you may. It isn’t limited to labs. Qualifying small businesses can use up to $500,000 of the credit a year against payroll taxes, even before they’re profitable.

When is the best time to plan?

Before the fourth quarter. By December, most of the options are gone.

General information, not advice for your specific situation.

Let’s talk about your numbers.

Twenty minutes. We’ll listen, ask good questions and tell you honestly whether we can help.

Book an intro call

20 minutes. No cost, no pressure.

Other services

  • Monthly accounting

    Bookkeeping, reconciliations and a monthly close, so you always know where you stand.

  • Tax preparation

    Business and individual returns across multiple states, including foreign reporting and nonprofit filings.

  • Fractional CFO

    Reporting, KPIs and cash forecasts for owners who need CFO-level thinking without a full-time hire.