Your tax bill for this
year is already being
built. Or it isn't.
S-corp elections, retirement plan contributions, accountable plans, cost segregation — every one of these has a December 31 deadline. Not an April deadline. Not an extension deadline. December 31. Miss it, and the decision is gone for that tax year. Stan Advisors works on the calendar that still matters.
April is too late.
February is too late.
December 31 is the deadline.
For most business owners, the tax conversation starts in February when the accountant calls for documents. The year is over. Every option is gone. The S-corp election that would have saved $14,000. The retirement plan that would have sheltered $69,000. The accountable plan that would have reimbursed $22,000 in business expenses. Filed. Gone. Try again next year — if someone remembers to have the conversation before December.
The gap between filing accurately and filing optimally is $10,000–$30,000 a year for most profitable LLCs. It is not a math problem. It is a timing problem. The accountant who files your return correctly in April cannot go back and make October decisions in April. Stan Advisors makes those decisions in October.
Engagements run on a planning calendar: March assessment, June mid-year check, October strategy execution, December final projections and elections. April is when we file what we already built. That is the only way it works.
“I have never had a client who was doing something wrong. I have had hundreds who were never given the S-corp conversation, the retirement plan conversation, or the entity review their income warranted. That is the only job I do.”— Stan, Principal, Stan Advisors
Six places we reduce
your bill before
you file it.
Entity & Compensation Design
The S-corp election eliminates self-employment tax on the distribution portion of owner income. For a $200,000 LLC, that is $12,000–$15,000 annually — recurring, permanent, and available to any LLC owner who crosses the threshold where it makes sense. Most never hear about it from their accountant because the accountant is paid to file, not to plan.
Retirement Plan Design
Solo 401(k), SEP-IRA, SIMPLE, cash balance, defined benefit — each has a different ceiling and a different tax profile. At $200,000+ in business income, choosing the wrong vehicle costs tens of thousands in unnecessary tax annually. Most owners choose by default or by inertia. We choose by analysis, against your specific income, your age, and your long-term goals.
Real Estate Tax Strategy
A single cost segregation study on a $1M property can generate $80,000–$120,000 in first-year deductions by reclassifying components into shorter depreciation schedules. Add bonus depreciation and real estate professional status and the leverage available to real estate investors through the tax code exceeds almost any other asset class. If your advisor has never raised this, the conversation is long overdue.
Investment & Capital Gains Planning
Gain timing, tax-loss harvesting, holding period management, asset location across account types, and qualified dividend treatment each affect your after-tax return independent of market performance. These are tax decisions. They belong in a tax conversation — not left to an investment advisor who does not see your full return.
Exit & Transaction Planning
The difference between an asset sale and a stock sale, between an installment structure and a lump sum, between a charitable vehicle and a straight transaction can be worth more than any other negotiation point in a deal. These decisions must be made before the LOI is signed. Once the terms are agreed, most tax structure options are gone. We plan the exit before the sale process starts.
Multi-State & Nexus Strategy
Remote employees, out-of-state clients, and ownership structures create tax obligations in multiple states that most business owners discover only when they receive a notice. By then, the liability is already accrued. We identify exposure proactively, manage multi-state filings, and advise on residency and domicile planning where the savings are meaningful.
From first call to
executed strategy.
Before December 31.
Discovery
Stan reviews your entity, income structure, current approach, and prior returns. He identifies where the gaps are, estimates the dollar impact, and tells you directly whether the engagement makes sense. You leave the call knowing whether there is an opportunity and what it is worth — whether or not you move forward.
Diagnostic
For clients who engage, we go deeper: entity documents, prior returns, payroll records, investment statements. We map exactly where tax leakage exists and what leverage is available given your specific situation, income level, and timeline.
Strategy Design
A prioritized plan with specific recommendations, dollar estimates, implementation requirements, and deadlines. Not a general framework. Not a list of options. A specific plan with specific numbers, built around your situation and executable before the year closes.
Implementation
We execute alongside you: entity filings, retirement plan setup, accountable plan documentation, elections, and any compliance required to activate the strategy. Nothing sits in a document waiting to happen. The strategy is not done until it is implemented.
Ongoing Management
Quarterly planning calls, year-end projections and modeling, estimated payment management, and direct access when your situation changes. The planning calendar runs every year. April filings are the output of a year-round process — not the start of one.
Free · 20-25 minutes · Phone or Video
Fifteen minutes. Stan identifies the specific strategies that apply to your situation and tells you the dollar impact. S-corp election, retirement plan, accountable plan, real estate, exit structure — whichever applies. Specific numbers. Not estimates.