TAX ADVISORY & PLANNING
Tax strategy that keeps your money inside your business
Prudent prepares your business and personal returns (federal, state, multi-state), plans your tax position year-round, and structures your reinvestment. So the capital that would otherwise leave your business in service of a tax product stays inside your business and earns the same write-offs. Built on the bookkeeping foundation. In practice since 2007.
PLANNING TOUCHPOINTS PER YEAR:
12
Twelve months of tax thinking, not just April. Quarterly estimates, mid-year moves, and year-end decisions that fuel next year.
IS THIS YOU?
If any of these sound familiar, your in the right place.
We see three kinds of tax situations most often. Find the one that sounds like yours.
OUR APPROACH
Reinvestment, not extraction.
Most tax firms make their money on the spread between your tax bill and the product they sell you to lower it. The pitch is familiar: put $300,000 into a structured insurance product, a retirement vehicle, or a complex credit, and you will save $100,000 in tax. As a matter of fact, the math works. However the problem is what happens to the $300,000. It leaves your business, goes into a product that pays the advisor a commission, and stays there for the rest of the holding period. As a result, your capital has been drained from the business it was built to grow.
Prudent does the opposite. We help you reinvest that $300,000 into the business itself. Whether it’s equipment that qualifies for Section 179 or bonus depreciation, a facility expansion that triggers cost segregation, an R&D project that earns the R&D credit, or a retirement plan you actually want for your team. Regardless, you earn the same $100,000 write-off, the IRS treats the deduction the same way, and every dollar of the $300,000 stays inside the business you are building.
In addition, we are not paid by any insurance carrier, retirement provider, or product company. In fact, we do not even earn commissions on what we recommend. The plan is built around your business, and the only way we make money is the fixed monthly engagement fee you are already paying. That is the structural reason this approach is even possible.
PRUDENT ACCOUNTANTS
“We help you reinvest in the business you’re building, not in the products that quietly move your money somewhere else.“
Year-round planning, not April-only
Most firms only see your numbers once a year. Yet we see them every month, because we are also running your books. That means tax planning happens in real time. So a decision in October gets reviewed for tax impact in October, not in March when it is too late to do anything about it.
Structure spending into legitimate write-offs
When you spend on real growth (equipment, IT, hiring, capacity, R&D, facility improvements, etc), the IRS lets you write it off legitimately. We help you structure and time that spending so the same dollar that would have gone to tax goes to the business instead. So that you have legitimate deductions structured correctly.
Independent of financial products
We do not sell insurance, annuities, retirement plans, or any of the structured products that quietly drain capital out of small businesses and we do not earn commissions on what we recommend. Our advice is product-independent, and our fee structure is the structural guarantee of that independence.
WHAT’S INCLUDED
Tax prep plus the year-round work that actually moves the bill.
Most CPAs file your returns. We do that too, but the filings are only a fraction of what we do. The work that actually moves your tax bill happens between filings: quarterly estimates, mid-year planning sessions, entity structure reviews, and the reinvestment strategy that turns growth spending into legitimate write-offs.
Tax Preparation
All the standard filings, prepared by U.S.-based CPAs and EAs, signed off by partners, and integrated with your bookkeeping data so the numbers tie out the first time.
INCLUDES:
- Business tax preparation (federal, state, multi-state)
- Individual tax preparation for owners and their families
- Pass-through entity K-1 preparation
- Multi-entity consolidations
- Sales and use tax filings where applicable
Year-Round Planning
The work that turns tax season from a surprise into a plan. We meet quarterly, review the books continuously, and bring decisions to you before the year closes.
INCLUDES:
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Quarterly estimates and mid-year planning sessions
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Projection modeling for year-end tax position
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Strategic review of major decisions (hires, equipment, expansions) for tax impact
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Year-end planning memo with prioritized action items
Reinvestment Strategy
Where the reinvestment thesis becomes line items. Specific deductions, structured into your spending plan, timed for maximum legitimate impact.
INCLUDES:
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Cost segregation studies and accelerated depreciation planning
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Section 179 and bonus depreciation timing
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R&D tax credit identification and documentation
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Retirement plan structuring for owners and key employees
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Capital expenditure timing for tax efficiency
Entity Structure
The right structure can save more tax than any single strategy. We help you choose, restructure, and maintain the structure that fits the business.
INCLUDES:
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Entity selection (LLC, S-Corp, C-Corp, partnership)
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Restructuring and conversions when the business outgrows its current structure
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Multi-entity setup for real estate, operating businesses, and holding entities
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Basis tracking and partner capital accounting
Compliance & Support
When notices come or audits start, you do not start over. We have the documentation, the position, and the team to defend it.
INCLUDES:
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IRS and state notice resolution
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Audit support for returns we prepared
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Tax credit identification and documentation
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Year-round access to your tax advisor for ad-hoc questions
REINVESTMENT OVER EXTRACTION
Tax planning that keeps money inside your business
Most firms tell you to pull cash out of your business to save on taxes. However, we build strategies that reduce your bill AND fund your next hire, next location, or next raise. Thus it’s not just one or the other.
BETTER TOGETHER
What tax planning makes possible when it’s part of the same team.
The reason Prudent runs tax planning year-round is that the data is already in front of us. So the same team that closes your books every month reviews your tax position quarterly, watches your major decisions for tax impact, and delivers the year-end filing as the result of a year of work rather than the surprise that ends it.
Tax + Bookeeping
Your tax advisor watches your books every month, not just in April. Quarterly estimates are based on real numbers. Then year-end is the result of a year of planning, not a number you find out in March.
Tax Advisory + Payroll
W-2 and 1099 filings flow directly into business and personal returns. In addition, multi-state payroll informs multi-state filings. As a result, your tax position reflects the actual payroll data your books carry, not a year-end summary
Tax + CFO Services
Strategic decisions get reviewed for tax impact in advance, not in retrospect. Therefore, the CFO and the tax advisor read the same numbers and meet together with you.
WHO WE SERVE
Industry-specific tax planning. Built around the deductions your industry actually qualifies for.
Whether it’s cost segregation and 1031 exchanges for real estate, the FICA tip credit and multi-jurisdiction sales tax for restaurants, or form 990 and donor acknowledgment for nonprofits, each industry has tax planning levers most generalist CPAs do not pull. Regardless of the industry, we do.
Health & Human Services
Care for your patients. We’ll watch the books
Professional Services
Time, billing, and profitability, finally aligned.
“We went from dreading tax season to barely thinking about it. Prudent doesn’t just close our books , they tell us what to do next.”
John T
Restaurants & Hospitality
Tip credits, COGS, and weekly P&Ls dialed in.
Retail
Inventory, sales tax, and seasonality, handled.
WHY PRUDENT
What you get that you can’t get from a generic CPA firm.
Reinvestment, not extraction
Most tax planners want you to pull cash out of your business and into financial products to lower your bill. We do the opposite by helping you reinvest that capital into your own growth and earn the same write-offs, with every dollar staying inside the business you are building.
Year-round visibility on your books
Because the same team running your bookkeeping is also running your tax planning, we see your numbers every month. Quarterly estimates are accurate. Year-end is a result, not a surprise.
Product-independent advice
We do not sell insurance, annuities, or any of the structured products that quietly drain capital out of small businesses. In fact, we do not even earn commissions on what we recommend. The fee you pay is the only fee we earn.
In practice since 2007
We have prepared returns through three major tax law changes, multiple state nexus expansions, and the rollout of the QBI deduction, the R&D credit changes, and the bonus depreciation phase-down. In conclusion, there is not a tax position we have not defended before.
What does "reinvestment tax planning" actually mean?
It means using growth spending you would do anyway (equipment, IT, hiring, capacity, R&D, retirement contributions) as the source of your tax deductions, rather than putting cash into a structured product. The IRS allows the same write-off. The difference is where the capital lives afterward: inside your business, or inside an insurance policy. We structure your spending so the capital stays inside the business
Why don't you pitch life insurance or annuity-based tax strategies?
Because they drain capital out of your business for the life of the policy, and we are paid the same fixed monthly fee whether you buy one or not. Most firms that recommend those strategies earn commissions on them. We do not sell financial products and do not earn commissions on what we recommend. The fee you pay is the only fee we earn.
Do you do my personal taxes too?
Yes. We prepare business and personal returns together, because they are connected. K-1s, pass-through deductions, owner draws, distributions, and personal estimated taxes all need to coordinate with the business filings. Most of our clients have us prepare both.
Can you take over our existing tax filings mid-year?
Yes. We pick up the work mid-year, review the year-to-date position, and run the year-end filings under our engagement. Most mid-year transitions complete inside three to four weeks, including the data handoff from your prior CPA.
How do you handle multi-state and multi-entity filings?
We file in all 48 contiguous states and handle multi-entity consolidations including pass-through K-1 preparation and basis tracking. Multi-state and multi-entity work is one of the most common reasons clients move to us from a generalist CPA.
What if the IRS sends me a notice?
Notice resolution is included in the engagement for any return we prepared. We respond, document the position, and represent your side. Most notices resolve inside 30 days of our response. We do not bill separately for the work.
Do you do audit defense?
Audit support is included for returns we prepared. Audit defense on returns we did not prepare (a prior CPA’s work, for example) is quoted as a specialty engagement. In either case, the work is done by U.S.-based CPAs and EAs who already know your business and your books.
Can you help me restructure my entity?
Yes. Entity restructuring is one of the highest-leverage tax planning moves we do, and most owners are running on a structure that no longer fits the business they have today. We review the current structure, model the alternatives, and walk through the implementation timeline before you commit.
How does pricing work?
Bundled with bookkeeping under one monthly engagement. The bundled engagement includes year-round planning, quarterly estimates, year-end filings, and ad-hoc access to your tax advisor. For tax-only clients, filings are quoted standalone after a discovery call.
When does tax planning actually pay for itself?
Most clients see the planning pay for itself in the first full year. The first year typically captures a missed depreciation election, an entity restructuring opportunity, a credit that was not being claimed, or a reinvestment opportunity that the prior CPA never surfaced. Year two onward is compounding.
Ready for a real tax strategy?
Thirty-minute discovery call. We learn what your business runs on, review your current tax position, and walk you through what a reinvestment-led plan would look like for your specific business. You walk away with a real number, a real plan, and an honest answer about whether we are the right fit.
