Tax planning

What’s included

• Entity structure review — LLC vs. S-corp vs. C-corp, and whether the current setup still fits revenue + owner-count + state mix
• Quarterly estimated-tax strategy so you stop overpaying (or underpaying and then writing penalty checks)
• Year-end planning conversations in October/November — not a frantic week in December
• Retirement-contribution sequencing across SEP-IRA, Solo 401(k), Roth, and HSA options
• Owner-compensation reasonableness analysis for S-corps (the IRS audit lightning rod)
• Multi-year projections when a one-time event is coming — sale of the business, equipment purchase, real estate transaction, divorce

How we work

Planning is distinct from compliance work: the same financial picture, but a forward-looking conversation. At least one planning discussion each year is often useful, with additional check-ins when something material is changing.

We start with last year’s return and the current-year YTD numbers (P&L, balance sheet, ownership). Then we model the rest of the year: estimated taxes, projected K-1, owner draws vs. salary, retirement contribution capacity.

The work concludes with a written summary of options, tradeoffs, and relevant consequences rather than an unexplained directive. You make the decision with a clear record of the reasoning behind it.

Who this is for

• S-corp owners deciding owner salary vs. distribution split
• LLC owners weighing the S-corp election as revenue grows
• Anyone facing a one-time event (sale, big purchase, inheritance) and wanting to know the tax exposure before they sign
• Owners who want quarterly check-ins instead of a once-a-year scramble

Engagement approach

Scope depends on the decisions under consideration, the entities and states involved, the quality of the current-year records, and whether projections or recurring check-ins are needed. The expected analysis and deliverables are documented before work begins.

What to send when you reach out

• Last year’s federal return + any K-1s you received
• Current-year P&L through the latest month
• Whatever decision is on your mind (or “just want a check-in” — that’s a real reason)