Tax Planning
Choosing Roth versus IRA, self-employment accounts, your entity tax status, and long term capital gains are all critical to having a tax structure that makes sense for your situation.
As a Former CPA, I spent 6 years in public accounting both at KPMG and a small firm. I can assist with high level decisions regarding tax choices or also assist you with calculation quarterly estimated taxes.
Tax Planning
Taxes are one of the largest line items most closely held businesses never fully optimize.
Between self-employment tax, entity elections, retirement contributions, and the constant changes in the code, founders leave real money on the table every year.
Tax Planning is a core focus of the quarterly Founder’s Check-in at Cedarmill Financial, tailored for entrepreneur families who want to keep more of what they earn without aggressive or risky maneuvers.
As a former CPA who spent six years in public accounting (including KPMG) and now owns two small side businesses, I have prepared returns, advised clients, and lived the owner’s side of the ledger.
That dual perspective shows me where theory meets the cash-flow realities of running a closely held venture.
The goal is never to chase every possible deduction; it is to build a simple, repeatable plan that reduces total tax cost while supporting family net-worth growth.
In a check-in we start with your current entity and filing status, then examine opportunities such as S-Corp reasonable compensation, retirement plan design (SEP, Solo 401(k), cash-balance), timing of income and expenses, qualified business income deduction coordination, and state-level considerations.
We also look at how business decisions ripple into the family Form 1040—something pure business accountants sometimes miss.
The free tools on this site (especially the Cash Flow Analyzer and Master Budget) become more powerful once tax cash outflows are properly forecasted.
Quarterly timing is deliberate.
Waiting until January or April leaves little room to act.
A mid-year check-in can surface the chance to accelerate equipment purchases, adjust estimated payments, or set up a retirement plan before year-end deadlines.
We also stay alert to broader legislative shifts so you are never caught off guard.Clients appreciate that the advice stays practical. No jargon-heavy binders—just clear recommendations tied to your actual numbers and lifestyle goals.
Because I still operate my own small businesses, the strategies I recommend have to work in the real world of limited time and fluctuating revenue.If you have ever finished a tax return and thought “there has to be a better way,” or if your business has grown enough that the old sole-proprietor approach no longer fits, this service is designed for you.
Better tax planning compounds into higher net worth and greater flexibility.Ready to stop overpaying and start planning with intention? Book a no-pressure free first founder’s check-in.
I would love to review your situation, show you where opportunities exist, and help you build a tax rhythm that supports long-term peace and prosperity.
Schedule your free consult today—let’s chat.
To your peace and prosperity,
Thomas H.H. Aylmer