Services & Strategies
Every plan is built from your specific situation. Below is a plain-language overview of the strategies we most often evaluate for high-income 1099 professionals — and what each one is designed to do.
What's Included
Your flat annual fee covers everything below — not just a once-a-year filing.
Business, personal, and payroll tax returns prepared by an experienced CPA, with a clear custom report of your current year and projections.
Clean books that feed directly into your tax strategy, so planning decisions are based on accurate, current numbers.
Scheduled check-ins to adjust projections, capture new opportunities, and keep your plan tracking toward your goals.
Strategies We Evaluate
Not every strategy applies to every client — that's exactly why we model them individually and show the quantified impact.
Whether you operate as a sole proprietor, LLC, or S-corporation has a direct effect on self-employment tax, payroll, and which other strategies are available to you. Choosing — and properly maintaining — the right structure is often the foundation of an effective 1099 plan.
A retirement plan designed for owner-only businesses that allows both employee and employer contributions. For high earners with no employees, it can permit substantially larger tax-advantaged contributions than a standard IRA, with Roth and loan features available.
When your plan allows after-tax contributions and in-plan Roth conversions, the Mega Backdoor Roth lets you move well beyond the standard 401(k) limits — potentially tens of thousands of additional dollars into Roth each year, growing tax-free for life. For high earners who have maxed out other options, it's one of the most powerful ways to build tax-free wealth.
A simplified employer-funded retirement plan based on a percentage of net self-employment income. Easy to administer and a strong fit for certain income profiles. We compare it head-to-head against a Solo 401(k) to see which produces the larger deduction for you.
The choice between pre-tax (Traditional) and after-tax (Roth) contributions depends on your current versus expected future tax rates. For high earners, backdoor and conversion strategies can open doors that direct contributions otherwise close.
The Qualified Business Income deduction can shelter a meaningful portion of pass-through income, but it phases out and is restricted for certain service businesses above income thresholds. Careful structuring of income and entity choice can preserve or restore the deduction.
A newer savings vehicle with its own contribution and deduction rules. We evaluate whether deductible contributions fit your plan and how they interact with your other accounts.
A state-level election that can effectively restore a federal deduction for state taxes paid that would otherwise be capped. For high earners in states that offer it, the savings can be significant.
Arrangements that let you push income — and the tax on it — into future years, often at a lower expected rate. Useful for smoothing income in high-earning years.
For high, stable earners, these plans can allow very large deductible contributions — well beyond 401(k) limits — accelerating retirement savings while sharply reducing current taxable income.
Legitimately compensating a spouse or family member for real work can unlock additional retirement contributions and shift income within the household, with planning benefits across the board.
Paired with a qualifying high-deductible health plan, a Health Savings Account offers a rare triple tax advantage — deductible contributions, tax-free growth, and tax-free qualified withdrawals.
Quantified, Not Guesswork
Each strategy is modeled against your actual numbers, with the savings spelled out in plain language.
You'll review simply stated A/B options with quantified outcomes — so every decision is backed by real figures, not generic advice.
Your Data, Protected
Your financial information is some of the most sensitive data you have. Protecting it isn't an afterthought — it's how the practice is built.
Paper files get lost, mailed to the wrong address, or left out in the open. A secure digital workflow keeps your information encrypted, access-controlled, and traceable — every step of the way.
We'll model the relevant strategies against your actual numbers and show the quantified savings before you commit to anything.
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