Most CPAs file your 1040. We make sure life events pay you back.
Equity comp, home purchases, marriage, inheritance, RSU vesting, K-1 income, multi-state moves — every life event is a tax decision, and most of them are reversible only before December 31. We surface the move before the deadline, not after.
Built for a specific client.
This is for the W-2 earner, executive, or high-income household whose return has grown past the “TurboTax can handle it” line — and who suspects their current preparer is missing things. If your tax bill is the largest check you write each year, it deserves dedicated strategy.
- Executives and tech employees with RSUs, ISOs, NSOs, or ESPP income
- High earners with W-2 + 1099 + K-1 income mixed across states
- Families navigating marriage, divorce, inheritance, or college funding decisions
- Real estate investors with rental property, short-term rentals, or §469 questions
- Pre-retirees modeling Roth conversions, Social Security timing, and §72(t) distributions
Everything in the engagement.
- Federal and multi-state 1040 preparation — every schedule, every K-1, every state allocation
- Equity comp strategy — RSU sell-to-cover, ISO AMT modeling, §83(b) elections, NSO exercise timing
- Roth conversion analysis — multi-year modeling to fill brackets without crossing IRMAA cliffs
- Real estate optimization — §280A Augusta rule, §469 grouping, short-term rental qualification
- Charitable strategy — donor-advised funds, appreciated-stock gifting, qualified charitable distributions
- Estimated-tax management — safe-harbor calculations so you stop the underpayment penalty cycle
- Life-event tax modeling — marriage, home sale §121 exclusion, inheritance basis, 529 funding
Four steps. No mystery.
Return review
Last two years analyzed for missed deductions, credits, and elections.
Strategy session
Life events, income changes, and decisions in the next 12 months mapped to tax moves.
Year-end execution
Every reversible move actioned before December 31.
Filing
Return prepared, reviewed against the plan, e-filed with documentation already organized.
Typical individual clients identify $5K–$30K in annual savings — and high-equity-comp executives or real estate investors regularly clear $50K+ once the structural moves are in place.
Questions we get most often.
If your federal tax bill is under $20K and your only income is a W-2, probably not. If you have equity comp, rental income, K-1s, or a household income above $300K, you’re almost certainly overpaying with software — and we can quantify it on the first call.
The default 22% federal withholding is almost always wrong for high earners — it under-withholds at higher brackets and you owe in April. We model your actual liability, adjust withholding mid-year, and harvest losses to offset the gain. Most clients save $8K–$25K from this fix alone.
Yes. Residency allocation, state credit-for-tax-paid claims, and statutory residency tests are where most generalists get state filings wrong. I handle the allocation directly.
Ready to put this to work?
Book a return review — bring last year’s 1040, and we’ll show you what was missed.
Book a Free 30-Min Call