Springfield Tax
Planning, Not Just Filing.
If your CPA only talks to you from February to April, you're not getting tax planning — you're getting tax compliance. Real strategy happens year-round, before the decisions are made. That's what we do.
Why Springfield Needs Better Tax Planning
Springfield has no shortage of CPAs who will file your return. What Springfield lacks is CPAs who proactively call you in September to discuss whether you should buy that piece of equipment before December 31, convert your traditional IRA to a Roth while income is temporarily down, or make an additional estimated payment to avoid underpayment penalties.
Tax planning is the difference between reporting what happened and deciding what will happen. For high-income Springfield professionals — physicians, business owners, state employees with side income, real estate investors — the gap between reactive compliance and proactive strategy can be worth $20,000–$100,000+ per year.
The One Big Beautiful Bill Act (OBBBA) signed in 2025 changed the tax landscape significantly: 100% bonus depreciation is permanently restored, the SALT cap increased to $40,000, and the QBI deduction (Section 199A) is now permanent. These changes create new planning opportunities that most CPAs haven't incorporated into their clients' strategies yet. We already have.
High-Income Professionals
Attorneys, executives, consultants, and finance professionals earning $200K+ who want to reduce their effective tax rate through retirement strategies, real estate investing, and entity optimization.
Learn moreState Employees & Retirees
SERS/TRS pension optimization, 457(b) strategy, Illinois pension exclusion coordination, Roth conversion timing, and Social Security planning. Our founder is a former state employee.
Learn moreBusiness Owners
S-Corp optimization, Illinois PTET election, retirement plan stacking, entity structure reviews, and year-round financial advisory that goes beyond bookkeeping.
Learn moreReal Estate Investors
Cost segregation, REPS qualification, STR loophole, 1031 exchanges, and portfolio-level tax strategy for Springfield-area and national rental portfolios.
Learn moreWhat Year-Round Planning Looks Like
Q1: Tax Return + Roth Strategy
We file your return and immediately begin next year's planning. Roth conversion windows, estimated payment schedules, and retirement contribution targets are all set in Q1 — not in December when it's too late.
Q2: Mid-Year Projection
By June, we have enough data to project your full-year tax liability. We identify shortfalls, overpayments, and planning opportunities. Should you adjust estimated payments? Make a charitable gift? Accelerate or defer income?
Q3: Year-End Planning Session
Our most important meeting of the year. We review your projected income, discuss equipment purchases, retirement contributions, entity elections (like the Illinois PTET), and finalize your strategy before December 31 deadlines.
Q4: Execute & Optimize
Final retirement contributions, equipment purchases, charitable giving, estimated payments, and last-minute adjustments. We ensure nothing is left on the table before the tax year closes.
Entity Structure Reviews
We review your entity structure annually. As your income grows, the optimal structure changes. What worked at $150K may cost you $20K+ at $400K. We make the adjustment before it becomes expensive.
Learn moreOBBBA Impact Analysis
The One Big Beautiful Bill Act changed everything — 100% bonus depreciation, $40K SALT cap, permanent QBI deduction. We have already updated every client's strategy to reflect these changes. If your CPA hasn't mentioned OBBBA, that's a red flag.
Stop Guessing. Start Saving.
Schedule a free 30-minute strategy call to see how much you could save this year. No obligation, no pressure — just a clear picture of what proactive tax planning looks like.
Schedule Your Free CallHow We Work Together
Free Strategy Call
A 30-minute meeting to understand your income sources, assets, and tax goals.
Tax Blueprint
We analyze your last 2-3 years of returns and build a multi-year tax reduction roadmap.
Execute the Plan
Entity restructuring, retirement plan setup, real estate strategy, estimated payment coordination.
Year-Round Optimization
Quarterly projections, mid-year adjustments, year-end planning, and proactive strategy updates.
Real Results in Springfield
State Employee — Pension + Side Business
A SERS participant earning $95K from the State of Illinois with a $45K side consulting business. We elected S-Corp status for the side business, saving $4,800 in SE tax, funded a Solo 401(k) ($18K), and coordinated his 457(b) contributions with his pension projections. He also started a rental property using the STR loophole to offset his W-2 income.
Annual Savings
$22,800
Attorney — Missed $42K in Savings
A Springfield attorney earning $380K came to us after 8 years with his previous CPA. In year one, we identified $42,000 in annual savings his prior CPA never mentioned: S-Corp election ($16K SE tax savings), Illinois PTET ($5,200), Solo 401(k) + Cash Balance Plan ($18K tax reduction), and the Augusta Rule ($2,800).
Annual Savings
$42,000
Dual-Income Household — Comprehensive Strategy
A Springfield couple — she's a Memorial Health physician ($420K), he runs a construction company ($280K net). Previous CPA filed returns separately with no coordination. We merged their strategy: stacked retirement plans ($240K combined sheltered), cost segregation on two rentals ($95K accelerated depreciation), PTET on his S-Corp, and Roth conversions timed to her sabbatical year. Combined annual savings: $89,000.
Annual Savings
$89,000
Resources for Springfield Taxpayers
S-Corp Tax Savings Calculator
See your potential SE tax savings.
Marginal Tax Rate Calculator
Understand your effective and marginal rates.
Cost Segregation Explained
How cost seg works for Springfield rental properties.
STR Loophole Guide
Use short-term rentals to offset active income.
REPS Qualification Guide
Qualify as a Real Estate Professional.
Serving Springfield & Central Illinois
Based in Springfield, IL, we serve clients in person and remotely across Central Illinois and beyond.
Tax Planning Questions
Tax preparation is backward-looking — it reports what happened last year. Tax planning is forward-looking — it determines what will happen this year and beyond. Preparation is compliance; planning is strategy. A good CPA does both. Most CPAs only do the first.
Most advisory clients meet with us quarterly — once after filing (Q1 strategy), once mid-year (projection), once for year-end planning (Q3), and once to execute final moves (Q4). Between meetings, we communicate via email and phone as needed. Our proactive model means we reach out to you with recommendations — you don't have to remember to call us.
Yes — especially for high-income W-2 earners. While you can't deduct business expenses, you can still benefit from real estate investing (cost segregation, STR loophole), Roth conversion strategies, charitable giving optimization (donor-advised funds), health savings accounts, and retirement plan maximization. W-2 physicians and executives are often our highest-savings clients.
Three major changes affect most Springfield taxpayers: (1) 100% bonus depreciation was permanently restored — any qualifying equipment or property improvements can be written off in full in year one. (2) The SALT deduction cap increased from $10,000 to $40,000, benefiting homeowners with high property taxes. (3) The QBI/Section 199A deduction for pass-through businesses was made permanent (it was set to expire). If your CPA hasn't updated your strategy for these changes, you're leaving money on the table.
Our year-round advisory engagements typically range from $3,000 to $12,000 depending on complexity. This includes quarterly planning meetings, mid-year projections, year-end strategy, and unlimited communication. For most clients, the advisory fee pays for itself 5–10x in tax savings. The first 30-minute strategy call is free.
Yes — we can serve as your tax strategist while your existing CPA handles the filing. However, most clients find that consolidating with one firm (strategy + filing) produces better results because there is no communication gap between the planner and the preparer. We are happy to discuss what makes the most sense for your situation.
Your CPA Should Call You First.
If the only time you hear from your CPA is when your return is ready to sign, you're missing out on thousands in savings every year. Book a free strategy call and experience the difference.