Year-End Projections
Q4 tax projection with action items — withholding adjustments, estimated payments, and deduction timing.
- Full-year AGI and tax projection
- Safe-harbor compliance check
- Bunching / timing strategies
- Before-December action list
06 · Strategic Tax Advisory
Tax Planning & Advisory.
Year-end projections, quarterly estimates, entity-structure reviews, and retirement and investment tax planning — proactive work, not a once-a-year surprise.
What's Included
The full scope of work.
Each engagement begins with a written scope and a flat or hourly fee disclosed in advance, in compliance with Circular 230 §10.27.
Quarterly Estimates
April, June, September, and January quarterly estimated tax payment calculations and vouchers.
- Form 1040-ES calculations
- Annualized income method
- Safe-harbor protection
- MA Form 1-ES
Entity Structure Review
Annual look at whether your entity choice still fits — income level, state presence, and owner mix.
- LLC / S-Corp / C-Corp fit
- §199A QBI optimization
- Salary vs. distribution balance
- Multi-entity coordination
Retirement Contribution Planning
SEP IRA, Solo 401(k), SIMPLE IRA, and employer-sponsored plan contribution optimization.
- SEP / Solo 401(k) sizing
- Roth vs. traditional modeling
- Backdoor and mega-backdoor Roth
- Required minimum distribution planning
Investment Tax Guidance
Tax-loss harvesting, wash-sale avoidance, and asset-location strategies — coordinated with your advisor.
- Tax-loss harvesting review
- Long vs. short-term holding
- Asset-location analysis
- Municipal-bond interest strategy
Audit-Risk Review
Pre-file audit-risk review — catching items that trigger AUR or examination before they do.
- High-DIF trigger review
- Documentation sufficiency check
- Substantiation memos for large items
- Prior-year comparison
Our Process
Four steps, end to end.
The same workflow whether the engagement is a single 1040 or a multi-entity consolidation — predictable, documented, and auditable.
01
Data Gathering
Gather YTD income, deductions, and life events — through the Portal or a brief intake call.
02
Modeling
Build the year-end projection in our planning software with what-if scenarios for major decisions.
03
Advisory Call
Review the projection together, align on actions, and document the plan in a written memo.
04
Execution
Implement withholding changes, file estimated payments, and track actions through year-end.
Transparent flat-fee or hourly pricing.
Planning engagements are flat-fee — $450 for an individual year-end projection, $750 for a business with planning integrated into the return. Ongoing advisory retainers available. See the full public fee schedule for detailed breakdowns and Circular 230 §10.27 compliance notes.
Ready to get started?
Upload your prior return and supporting documents through the secure Client Portal, or schedule a consultation to discuss your matter.