Tax preparation reports what happened. Business tax planning looks ahead, while there is still time to change payroll, estimates, purchases, retirement contributions and entity structure.
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Your entity, how you pay yourself, projected profit, major purchases, retirement plan, employees and the states you operate in all change what you owe. Planning brings those together before the choices become hard or impossible to reverse.
Tax preparation reports transactions that already happened. Planning projects the year while there is still time to act on it, which is why the two are different pieces of work done at different times.
This is not about aggressive positions.
It is current law, honest projections, proper documentation and doing things in the right order. If a strategy only works when nobody looks at it, it is not a strategy. We will tell you when the answer is that you are already set up correctly.
These are state-specific, deadline-driven, and largely invisible to national platforms and remote-only firms. They are also where we see the most money lost.
New York's pass-through entity tax must be elected between January 1 and March 15. New York states plainly that late elections are not permitted. New Jersey's BAIT works the same way. Miss it and the entire year is gone. There is no relief provision and no appeal.
Filing Form 2553 with the IRS does not make you a New York S corporation. That needs Form CT-6 as well. Without it New York taxes the company as a C corporation while shareholders still take K-1s, and most owners only discover it when a notice arrives.
City-based S corporations pay the 8.85% General Corporation Tax. An unincorporated business pays 4% UBT with a credit that removes it entirely below a modest threshold. For some NYC owners, electing S-corp status costs money. We run that before you elect.
Four deadlines land on September 15
Q3 federal estimates, extended 1120-S and 1065 returns, the New York PTET Q3 payment and the New Jersey BAIT Q3 payment. It is the busiest single day in the business tax calendar and the easiest one to be caught out by.
Whether your current setup still fits the profit level, what the election would really save after payroll and compliance costs, and the timing if a change makes sense.
How you take money out, whether reasonable compensation is defensible, payroll timing, and owner health insurance reporting.
Federal and state projections so you can reserve the cash, plus safe harbor and annualized income options to avoid underpayment penalties.
Whether planned spending belongs in this year or next, equipment and vehicles, repairs versus improvements, and whether your records support the treatment.
SEP, SIMPLE, solo 401(k) and profit sharing compared on contribution capacity, employee cost, setup deadlines and available startup credits.
Where the business, owners, employees and customers sit, and what that creates in income tax, payroll registration and filing obligations.
A projection is only as good as the books behind it.
If the bookkeeping is months behind or the balance sheet does not reconcile, we will say so and fix that first. Planning off bad numbers is worse than no planning at all.
Your estimates and your entity may no longer match the income.
Payroll, classification, benefits and state registration all interact.
Timing, financing and business use should be settled before you commit.
Savings against salary, payroll, extra filings and city tax.
Adding a partner, buying someone out or selling has large consequences.
A remote hire or new customers can create filing obligations you do not know about.
Timing is the whole point.
Payroll has to run inside the calendar year. Retirement plans have setup deadlines. The PTET election closes on March 15 with no late filing. A conversation in April can identify the problem without leaving any way to fix it.
Entity, ownership, how you pay yourself, growth plans, what is coming up, and what is actually worrying you.
Prior returns, year-to-date financials, payroll, estimates paid and fixed assets. If the books need work first, we will tell you.
What this year looks like as things stand, then the realistic alternatives side by side with what each one costs to implement.
A short prioritized list: what to do, who does it, what is needed and by when. Not a list of ideas but a list of decisions.
The first conversation is free and will tell you whether planning is worth doing at all for your situation. If it is, you get the fee in writing before any work begins, with no hourly billing.
Business owners rarely have a spare morning, so financials, payroll reports and prior returns go through an encrypted portal, the planning meeting happens by video or phone, and the written plan comes back the same way.
Upload documents through an encrypted portal built for the job. Nothing sensitive travels by email, and everything stays in one place you can log back into.
Meet your preparer by video call or phone. No travel, no waiting room, and no taking a morning off work.
Review your return and sign authorizations electronically. Nothing needs printing, scanning, or mailing.
We file in every state and work with clients living outside the United States. A different time zone is not a problem; we schedule around yours.
Prefer to sit across a desk from someone?
You can. Four walk-in offices: Bronx, Jamaica Queens, Buffalo, and Totowa NJ. Virtual is the default because it is faster for most people, not because it is the only option.
Year-round projections and strategy for individuals and businesses, so the April number is a decision rather than a surprise.
How to set and document a defensible owner salary before payroll runs, and what happens when the IRS disagrees with the figure.
Federal and state business return preparation, from Schedule C through 1120-S and 1065, including multi-state filings.
Tell us the entity, roughly what it will net, and what decisions are coming. The first conversation is free.
Information on this page is general and current as of July 30, 2026; it is not tax advice for your specific situation. Outcomes depend on entity type, ownership, income, records, state activity and applicable law, and would need to be reviewed with you. Fees are quoted in writing before any work begins, and any engagement is subject to a separate written agreement.
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