CPA Services for Individuals and Families
Helping You Plan, File, and Protect Your Financial Future
Whether you're filing a simple return, planning for retirement, or navigating IRS complexities, we’re here to help—with insight, precision, and proactive care.
Tax Preparation
Whether you have a simple return or complex income streams, accurate and timely tax preparation is critical. We take the guesswork out of tax season by preparing and filing your federal and state returns with precision, while looking for every credit and deduction you’re entitled to. Let us help you file with confidence and avoid costly mistakes.
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Federal & State Filing
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Maximize Deductions & Credits
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Amended Returns
Tax Planning
Tax planning isn’t just for April—it’s a year-round strategy. We work closely with you to forecast tax obligations, reduce liabilities, and align your financial plans with changing laws and personal goals. Our proactive approach helps you keep more of what you earn.
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Forecasting for High-Income Earners: Projecting future income, deductions, and tax liabilities in advance. A critical planning tool to determine when phaseouts, surtaxes, and planning thresholds change.
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Quarterly Estimate Planning
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Charitable Giving Strategy
IRS Representation
Getting a letter from the IRS can be intimidating. We offer skilled representation to help you respond correctly, resolve disputes, and negotiate favorable outcomes. Whether it’s an audit, back taxes, or a payment plan, we’re in your corner every step of the way.
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Audit Response & Negotiation
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Payment Plans & Offers in Compromise
Trust & Estate Tax Filing
Trusts and estates come with complex tax rules that require specialized knowledge. We ensure your fiduciary filings are accurate, compliant, and aligned with the decedent’s final wishes and legal requirements. Our work minimizes tax exposure and supports efficient asset transfers.
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Fiduciary Returns (Form 1041)
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Coordination with Attorneys & Financial Advisors
Family Tax Planning
Planning for various stages/seasons of our lives:
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Filing Status
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Marriage
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Children // Educational planning
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Retirement
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Divorce
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Buying or Selling a home; Relocation and Moving Expenses
Tax Questions for Individuals with Complex Financial Situations
Expert answers for investors, retirees, philanthropists, and estate-conscious individuals.
1. How is my passive income (like rental or investment income) taxed, and how can I reduce it?
Passive income—such as from real estate, royalties, or partnerships—is generally subject to ordinary income tax, and in some cases, the 3.8% Net Investment Income Tax (NIIT). Strategic use of depreciation, cost segregation, or grouping elections may help reduce your tax exposure.
2. Do I have to pay tax on my Social Security and other retirement income?
Yes, potentially. Up to 85% of Social Security income may be taxable depending on your combined income. Traditional IRA and 401(k) withdrawals are usually taxed as ordinary income, while Roth IRA distributions may be tax-free if qualified.
3. What is the current estate and gift tax exemption, and how does it apply to my wealth transfer plans?
For 2025, the federal estate & gift tax exemption is $13.99M per person. Under the One Big Beautiful Bill Act (Public Law 119-21), it increases to $15M per person ($30M married) starting Jan 1, 2026, indexed thereafter.
4. How can I report and optimize income from a trust or inherited assets?
Income from a trust may be taxed at high trust rates unless distributed to beneficiaries, who then report it on Schedule K-1. Proper trust structuring and coordinated distributions can help optimize tax treatment and preserve flexibility.
5. Can I claim deductions for large charitable gifts, and are there AGI limits?
Yes. You can deduct up to 60% of your Adjusted Gross Income (AGI) for cash donations to qualifying public charities (and 30% for non-cash appreciated assets). Unused deductions can typically be carried forward for up to five years.
6. How is cryptocurrency taxed, and what records should I keep?
The IRS treats cryptocurrency as property, meaning sales, trades, or conversions trigger capital gains or losses. You’re required to track cost basis, holding periods, and transaction details—accurate records are essential for proper tax reporting and audit defense.