Individual Tax Done Completely
For anyone whose income comes from more than one source, tax preparation and tax planning are the same job. The return reflects decisions made throughout the year — when income was recognized, which elections were made, which accounts were funded, and which transactions were timed deliberately. Filing the return is the end of a process, not the beginning. This service handles both sides: the year-round planning work that creates the outcome, and the preparation work that records it correctly.
Tax Preparation — What We Handle
We prepare federal and state individual tax returns for straightforward and complex situations. Income from wages, self-employment, investments, rental properties, partnerships, trusts, and equity compensation all require different treatment, and we handle all of it.
Common forms and schedules include:
- Form 1040 and all supporting schedules
- W-2 income, including multiple employers and mid-year job changes
- 1099-NEC self-employment income and Schedule C
- Schedule D for investment income, capital gains, and losses
- Schedule E for rental and passive income
- K-1 income from partnerships, S-corporations, and trusts
- Equity compensation: RSUs, nonqualified stock options (NSOs), and incentive stock options (ISOs)
- Qualified Small Business Stock (QSBS / Section 1202)
- Active trader returns, wash sale analysis, and mark-to-market elections
- Multi-state and nonresident returns
- Trust and estate returns (Form 1041)
- Amended returns (Form 1040-X)
Tax Planning Throughout the Year
Most individual tax decisions have timing components. Estimated quarterly payments need to be calibrated to actual income. Retirement contributions reduce taxable income when funded before year-end. Equity compensation — RSU vests, option exercises — creates income that can be managed with the right timing. Capital gains can be offset by harvesting losses across the same portfolio. Income and deductions can sometimes be shifted between years to take advantage of rate differences.
None of this is automatic. It requires someone watching the full picture throughout the year and flagging decisions before the window closes. For individuals with meaningful tax complexity, the planning conversation needs to happen in September, not April.
Life Events That Change the Return
Certain events reshape a return in ways most filers are not prepared for. Changing jobs mid-year affects withholding and may trigger estimated tax requirements. RSUs that vest create ordinary income that does not always match what the broker reports. Selling a home triggers gain calculations that depend on ownership period, use, and improvements made. Getting married or divorced changes filing status, income thresholds, and deduction strategies. Starting a rental property opens up depreciation, passive activity rules, and Schedule E reporting. Receiving an inheritance may involve basis step-ups or reporting requirements for foreign assets.
These situations rarely fix themselves on a standard return, and most require planning before the event, not just reporting after.
When Things Go Wrong
IRS and state tax notices, prior year errors, and missed filings are stressful to handle alone. A notice does not always mean you owe more — many are automated responses to mismatched information that can be resolved with a clear written reply. Prior year returns can be amended when errors are discovered. If you are behind on filing, there are structured ways to come back into compliance without penalties compounding further. We handle the response and the resolution, not just the current year return.
Who This Is For
This service fits individuals and families with income from more than one source, anyone navigating a significant financial event, and people who want a CPA involved before the transactions happen, not just when it is time to report them. If your tax situation has gotten more complex than it used to be, or you are not confident the last few returns were handled correctly, this is a good place to start.