Planning and Advice for Business Owners
Proactive consulting and financial planning. Modern tax and accounting.
How we help
Business consulting
Cash flow, profitability, and decisions about reinvesting in the business or paying yourself.
Tax planning and preparation
Proactive planning, plus business, personal, and real estate investor returns, including S corps, partnerships, and LLCs.
Financial planning
Personal cash flow, retirement, and how business decisions affect the life you’re planning for.
Accounting and payroll
Bookkeeping and cleanup, payroll, and the related filings, including W-2s and 1099s.
The questions our clients often ask
You’re a business owner, so you may relate to some of the questions our business-owner clients typically ask.
S corp, or not yet?
The election saves payroll tax above a certain profit, and costs payroll administration, a separate return, and a defensible salary below it. The crossover is a number, not an opinion, and it moves as the business does. We keep it current rather than revisiting it once at formation.
a year, from filling two retirement plans that were running at a third of their limits
Illustrative · not a promiseAm I paying myself reasonable compensation?
We start from what the role would cost to hire, not a rule of thumb, and build the file that supports it while the year is still open. Then we revisit it as profit changes, so the number is defensible rather than reconstructed under question.
Does a solo 401(k) make sense for me?
We walk through how it actually works — that you can contribute as employee and as employer, and what each does to this year's tax — then test it against cash flow and the other plans available to you. If it fits, we handle the administration that arrives later with it.
Can I deduct my health insurance?
We trace how the premium is paid. For an owner it only lands if it runs through payroll and onto the W-2, so we set that up during the year rather than discover it in March.
Should I buy the equipment this year?
We model the purchase in this year and next against your bracket and cash position, then pick the depreciation instrument that suits the answer. Sometimes the right answer is to wait.
What do I do with a loss year?
We work out how much can offset other income now and how much carries forward, then decide whether to pull income into the year or push it out around it.
How much will I owe, and when?
We project quarterly against actual results rather than last year's figures, so estimated payments are a plan you can budget for instead of a guess that trues up in April.
Most planning quietly assumes children. Ours assumes nothing.
A great deal of standard advice is built around dependents, education funding, and leaving an estate to the next generation. If that is your life, those pieces belong in the plan. If it is not, the defaults are rarely what you would have chosen — beneficiary designations, powers of attorney, and who is actually named to act for you all need answering differently.
We ask, once, and then plan accordingly. It is not a separate service and it is not a separate conversation.
Modern and fully virtual
We’re a fully virtual practice built on modern, secure, and cloud-based tools, serving business owners across the western US. Our client portal, e-signatures, and video meetings keep us connected to your numbers all year, so we can plan proactively with you from anywhere.
Curious what you might be missing?
Let’s talk through your business, taxes, and plans. Or start with a free review of last year’s tax return.