Who We Help: CPA Services by Situation

Tax and accounting help by situation: families, executives, the self-employed, Americans abroad, small and mid-sized businesses, practices and nonprofits.

Every taxpayer’s needs build on the step before. Find yours below, in order from a family return to a mid-sized company’s finance function, and follow the links for detail. Not sure where you fit? The free readiness check takes three questions, and our industry guide covers the issues specific to your sector.

Individuals: families · professionals and executives · self-employed · Americans abroad
Businesses: small businesses · growing and mid-sized · professional practices · nonprofits, HOAs and family offices

Individuals

1. Individuals and families

A well-prepared return is the base. Planning matters most when life changes.

  • Filing status, the Child Tax Credit and education credits
  • 529 plans for college and, from 2026, up to $20,000 a year of K-12 costs
  • Buying or selling a home, and rental property
  • Retirement contributions, Roth conversions and required distributions
  • Moving into or out of New Jersey or New York in the same year

Start here: tax preparation, tax planning.

2. Professionals and executives

Higher W-2 income adds equity pay, two-state wages and withholding that falls short.

  • RSUs, ESPPs and stock options, and the 22% withholding gap
  • New York wages for New Jersey residents, and the resident credit
  • The net investment income tax and the alternative minimum tax
  • Estimated payments that avoid the underpayment penalty
  • Deferred compensation and charitable giving

Start here: executives and high earners, RSUs, ESPPs and stock options, NJ/NY commuter tax.

3. Self-employed and 1099 earners

Working for yourself adds self-employment tax, quarterly estimates and records to keep.

  • Quarterly estimated payments, federal and New Jersey
  • Home office, vehicle and other ordinary business expenses
  • Solo 401(k) and SEP retirement plans
  • When an S-Corp election starts to pay off, and the reasonable salary that comes with it
  • Simple bookkeeping that makes the return easy

Start here: tax planning, bookkeeping, payroll and tax.

4. Americans abroad and cross-border families

US citizens are taxed worldwide, so living or earning abroad adds its own filings.

  • Foreign earned income exclusion or foreign tax credit, compared each year
  • FBAR and FATCA reporting of foreign accounts
  • Foreign pensions, rental property and investment funds
  • Moving back to the US, and state residency on return

Start here: international and expat tax.

Businesses and organizations

5. Owner-run small businesses

The business and its owner are taxed together, so one firm should see both.

  • Monthly bookkeeping, payroll and sales tax handled by the firm that prepares the return
  • Choosing an entity, and S-Corp reasonable salary
  • New Jersey BAIT for S-Corps and partnerships
  • The owner’s personal return and estimated payments

Start here: small business bookkeeping, payroll and tax, client accounting services.

6. Growing and mid-sized companies

Growth adds staff in other states, lenders and investors, and a finance team to support.

  • A monthly close and reporting package checked by a CPA
  • Cash forecasting, budgets and lender or investor reporting
  • Payroll and income tax in every state where you have people or sales
  • Training for in-house accountants, and systems and automation that cut manual work

Start here: client accounting services, CFO advisory, multi-state tax, finance automation and AI tools.

7. Professional practices

Healthcare, law, consulting and design firms are usually partnerships or S-Corps with high-earning owners.

  • Owner and partner compensation, and partner basis
  • BAIT and PTET elections for New Jersey and New York owners
  • Retirement plans that allow larger owner contributions
  • Equipment purchases and build-outs timed to income

Start here: tax advisory, tax planning.

8. Nonprofits, HOAs and family offices

Organizations and family structures have their own returns and reporting duties.

  • Form 990, 990-EZ or 990-N, and unrelated business income
  • Homeowner association returns (Form 1120-H or 1120) and reserve accounting
  • Trust and estate returns, gifting and estate planning with your attorney
  • Consolidated reporting for family entities

Start here: nonprofit accounting and Form 990, estate and wealth planning.