Personal Tax Planning & Advisory Services
Lower your tax bill legally before the year ends. We find the deductions, credits and contributions you are missing, and show you the numbers first.
- Year-round planning
- Retirement & HSA strategy
- Clear numbers first
Federal income and self-employment tax, single filer, 2026 rates. Planning: SEP-IRA, HSA and home office deductions.
free
Try us free for a month. Don’t like it? Don’t pay.
Offer for new clients on monthly accounting and bookkeeping plans. Payment starts after your first month. Government and filing fees are not included.
The levers that lower your tax
Retirement contributions
401(k) up to $24,500 and IRA up to $7,500 for 2026.
Health savings account
Deductible going in, tax-free coming out for medical costs.
Home office & vehicle
For the self-employed: claimed correctly and documented.
Investment tax
Harvest losses, time gains and use the right accounts.
Family & credits
Child tax credit, education credits and dependent care.
Quarterly estimates
Pay the right amount on time and avoid underpayment penalties.
Key 2026 limits that cut your tax
| Single | Married filing jointly | |
|---|---|---|
| Standard deduction | $16,100 | $32,200 |
| 401(k) employee contribution | $24,500 | $24,500 each |
| IRA contribution | $7,500 | $7,500 each |
| HSA contribution | $4,400 | $8,750 (family) |
| Estate and gift tax exemption | $15 million | $30 million |
Source: IRS 2026 inflation adjustments. Catch-up contributions for age 50+ are extra.
You pay for the work, not the office
Our accountants work remotely, in the software you already use. That removes the costs a local firm or an in-house hire passes on to you.
- No office rent or overheads built into your fee
- No recruitment fees, payroll taxes or benefits to cover
- No cover needed for holidays or sick leave
- More hours on your books for the same budget
What this looks like in numbers
Self-employed, $120,000 profit
self-employment tax
- SEP-IRA contribution of $22,000
- HSA contribution of $4,400
- Home office and vehicle documented
Two salaries plus rental income
- Both 401(k)s maxed
- Rental depreciation claimed correctly
- Family HSA opened
Examples are illustrative, based on typical situations we handle, with names removed and figures rounded. They are not a promise of a specific result.
Switching to Tax Expert takes 4 simple steps
No disruption. We contact your old accountant and handle the handover.
Free consultation
A 30-minute call about your business, your filings and your deadlines.
Fixed-fee proposal
A clear monthly price, and your first month is free. No hourly billing.
We take over
We collect records, connect your bank feeds and catch up any backlog.
Pay only if you’re happy
Like the work? Your fee starts now. Not happy? Leave and pay nothing.
Common questions
Is the first month really free?
Yes. New clients on a monthly accounting or bookkeeping plan pay nothing for the first month. If you are not happy, you can leave without paying. If you stay, payment starts from month 2 at the fixed fee we agreed. Government and filing fees are not included.
See how much you could save
Free 30-minute call. We look at your numbers and show you the saving before you sign anything.
Related services
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- Business advisory: cash flow, pricing and growth decisions