Make informed tax decisions before the year ends.
Tax preparation reports what already happened. Tax planning helps you evaluate what may happen next — and what's still possible before deadlines pass. Our goal isn't zero taxes; it's helping you understand your position and decide with better information.
Filing looks backward. Planning looks forward.
While there may still be time, planning helps you evaluate:
The earlier planning begins, the more useful it tends to be.
Especially valuable when your situation is changing.
Better information can reduce surprises.
- Your estimated federal & state tax liability
- Whether your withholding may be sufficient
- Whether estimated payments may be needed
- How business profit affects your personal return
- How payroll & distributions affect an S-Corp owner
- Whether retirement contributions affect taxable income
- How a property or investment sale affects taxes
- How a large income change affects your position
- How much cash you may need to reserve
- Which items require action before year-end
- Which decisions need another professional
Every financial picture calls for a different lens.
Business Owner Planning
Business decisions affect personal taxes.Profit may flow to your personal return even if the cash stays in the business. Works best with current bookkeeping.
Explore Monthly Bookkeeping →S Corporation Planning
Wages, distributions, and profit together.Reasonable compensation, withholding, distributions, and shareholder basis all get reviewed as one picture.
Explore Payroll Services →Self-Employed Planning
Income tax and self-employment tax both apply.Projected net income, estimated payments, deductions, retirement contributions, and cash reserves.
Individual Planning
Not limited to business owners.Raises, job changes, investment sales, stock options, marriage/divorce, inheritance — all worth a look.
Real Estate & Investment Planning
Major transactions have major consequences.Estimated gain, depreciation recapture, basis, and cash needed after closing — before you sign anything.
Retirement Contribution Planning
Contributions affect taxes and cash flow.IRA, SEP, SIMPLE, Solo 401(k) — eligibility and limits depend on your income, plan, and current rules.
A focused review of your current position.
- Review of prior-year return & current-year income
- Review of withholding & estimated payments
- Review of bookkeeping, payroll & distributions
- Projection of federal & state tax liability
- Estimated payment recommendations
- Withholding adjustment considerations
- Year-end action items
- Tax reserve recommendations
- Planning meeting
- Written summary of recommendations
A defined advisory engagement.
- Tax return preparation
- Bookkeeping or payroll processing
- Business valuation
- Investment management
- Legal advice, estate planning documents
- Retirement-plan administration
- Entity formation
- IRS representation
- Amended tax returns
- Implementation of every recommendation
A structured process based on current information.
Initial Consultation
Concerns, income sources, major changes, and planning goals.
Engagement & Info Request
Agreement, invoice, and a secure document request via the portal.
Document Collection
Prior returns, pay statements, financial reports, and transaction details.
Tax Projection
An estimate based on the information available and assumptions discussed.
Planning Analysis
We identify considerations, deadlines, and potential actions.
Planning Meeting
Estimated position, assumptions, actions, and year-end deadlines.
Written Recommendations
Estimated liability, payment guidance, action items, and deadlines.
Implementation Follow-Up
Coordinated with payroll, bookkeeping, or other professionals as needed.
Current information leads to a more useful projection.
Personal Income
- Recent pay statements
- Prior-year W-2s
- Bonus & investment income
- Rental income & expenses
Business Information
- Current P&L and balance sheet
- Payroll reports, officer comp
- Owner distributions
- Estimated year-end results
Tax Payments
- Federal & state estimated payments
- Payroll withholding
- Extension payments
- Prior-year overpayments applied
Major Transactions
- Property or investment sale info
- Stock-option information
- Retirement distributions
- Large charitable contributions
Why Current Bookkeeping Matters
A plan built on incomplete books produces an inaccurate projection. When the books are behind, catch-up or cleanup work may come first.
Explore Catch-Up Bookkeeping →QuickBooks Not Adding Up?
Duplicate entries, misclassifications, or unreconciled accounts can throw off a projection just as much as missing months.
Explore QuickBooks Cleanup →Responsible planning focuses on compliance.
We do not recommend:
Tax projections are estimates based on the information available and current tax law — actual results may change with income, expenses, or law changes after the planning meeting.
Tax planning connected to your books, payroll and reality.
We Review the Full Picture
Personal income, business activity, payroll, and estimated payments — together.
We Explain the Numbers
You'll understand how the projection was built and which assumptions matter.
We Understand Small Business
Bookkeeping, cash flow, owner compensation, and personal taxes are connected.
Practical Recommendations
Realistic steps — not strategies that don't fit your actual situation.
Clear About Limitations
When something needs legal, investment, or retirement-plan expertise, we say so.
Bilingual Service
Tax planning and client communication are available in English and Spanish.
Useful planning requires complete, accurate information.
- Providing current financial information
- Disclosing all income sources
- Providing estimated payment records
- Providing payroll information
- Identifying major upcoming transactions
- Updating us when assumptions change
- Reviewing planning recommendations
- Completing actions before deadlines
- Maintaining supporting documentation
- Consulting other professionals when needed
We're not responsible for results affected by omitted information, incomplete implementation, or changes after the planning analysis.
Quick answers before you get started.
When should tax planning begin?
Useful throughout the year, but many year-end decisions should be reviewed before the final weeks of December. Business owners may benefit from quarterly or midyear planning.
Is tax planning included with tax preparation?
No. They're separate services with different timing, analysis, and scope.
Can you guarantee tax savings?
No. Planning may identify opportunities, but no responsible professional guarantees a specific reduction before reviewing all relevant facts.
Do I need current bookkeeping?
Generally yes, for an effective projection. If your books are behind, bookkeeping work may be needed first.
Can you help adjust my withholding?
We can review it and discuss whether an adjustment makes sense — you're responsible for submitting any forms to your employer.
Can you calculate estimated tax payments?
Yes — this may be included in the tax planning engagement.
Can you help with S corporation planning?
Yes. We may review profit, officer compensation, withholding, distributions, and estimated payments.
Is buying equipment always a good tax strategy?
No. A deduction shouldn't be the only reason — cash flow, operational need, and financing matter too.
Can tax planning eliminate self-employment tax?
Not automatically. Entity structure and compensation decisions need careful, compliant analysis.
Do you provide investment advice?
No. We can explain tax considerations, but investment recommendations should come from a qualified investment professional.
Can you help after the year has ended?
We can still prepare a projection and discuss filing options, but many planning opportunities may no longer be available.
How often should a business owner plan?
Depends on income volatility, growth, entity type, and complexity — some benefit from an annual review, others quarterly.
Priced based on complexity and scope.
Number of income sources, entity type, quality of bookkeeping, payroll considerations, rental or investment activity, property sales, and number of planning meetings all factor in. After reviewing your situation, we'll communicate the scope and fee.
Bookkeeping, payroll, tax preparation, and implementation services are priced separately.
Ready to plan ahead?
Don't wait until tax season to discover the result. You don't need to know which strategy applies — just tell us what's changed and what you're concerned about.
Better information. Earlier decisions. Fewer tax-time surprises.
ServiAmigo Tax & Advisory provides tax planning, bookkeeping, payroll, personal tax and business tax services for individuals and small business owners.
Based in Magnolia, Texas. Serving clients nationwide. Service available in English and Spanish.