Proactive Tax Planning & Strategy for Business Owners
Tax planning is more than filing returns. It is making deliberate financial decisions during the year that reduce taxes within the law and protect what you are building.
Decisions made before December 31 shape what you owe in April
Good tax planning recognizes that most tax is decided long before a return is prepared: when you choose an entity, set your salary, buy equipment, sell property or take a distribution. Proactive tax planning puts a strategist in those decisions so each one is made with the tax result in view.
We work with business owners and investors to build a written plan, then revisit it during the year as income, the business and tax law change.
Areas our tax planning covers
Entity structuring
Choosing and combining LLCs, S-Corps, C-Corps, partnerships and holding companies to fit how you operate and how you plan to exit.
S-Corp compensation strategy
Setting a reasonable salary and distribution mix that is defensible and efficient for self-employment taxes.
Depreciation & equipment
Timing purchases, Section 179 and bonus depreciation elections, and cost segregation for real property.
Real estate transactions
1031 exchange timing, passive-loss planning and real estate professional status.
Retirement & benefits
Plan designs that let owners save more on a pre-tax basis while rewarding key staff.
Quarterly estimates & cash flow
Estimated payments sized to the plan, so cash stays in the business and penalties are avoided.
A planning engagement, step by step
Review
Prior returns, entity elections, books and upcoming decisions.
Model
We compare options and show the expected effect of each.
Plan
A written roadmap with deadlines and documentation requirements.
Check-in
Mid-year and pre-year-end meetings to adjust before it is too late.
Who tax planning is for
- Owners with profitable S-Corps, partnerships or multiple entities
- Real estate investors buying, selling or developing property
- Physicians and practice owners in high tax brackets
- Trucking and logistics companies with heavy equipment spending
- Anyone who has been surprised by a large tax bill
Every strategy we recommend relies on allowable provisions of the Internal Revenue Code and depends on your specific facts. We do not promise a particular amount of savings.
Frequently asked questions
What is the difference between tax preparation and tax planning?
When is the best time to start tax planning?
Do you work with businesses outside McAllen?
Is tax planning only for large businesses?
A year of tax planning, quarter by quarter
Tax planning works best on a schedule. Here is how a typical year looks for our business clients in McAllen and across Texas:
January to March
Close the books, confirm entity elections and set this year’s targets for salary, distributions and retirement contributions.
April to June
Review first-quarter results, adjust estimated tax payments and plan any property or equipment purchases.
July to September
Mid-year projection: compare actual profit to the plan and model the effect of year-end decisions before they become urgent.
October to December
Execute year-end tax planning moves, finalize depreciation elections and prepare documentation for the return.
What you receive
A written tax planning roadmap that lists each strategy, why it fits your facts, the deadline that applies and the records required to support it. We update the roadmap as your business or the tax law changes.
Planning for capital purchases
Vehicles, equipment and buildings often carry the largest planning opportunities. The IRS rules for Section 179 and depreciation are summarized in Publication 946, and we apply them to your specific purchase timing.
Get a tax plan built around your business
Book a consultation and we will identify the planning areas worth exploring for your situation.