The Best Tax Strategy Is a Proactive One
Tax planning is not a once-a-year event. It is a deliberate process of making smart, strategic decisions that legally and ethically reduce your tax bill. Our planning engagements are designed to help you keep more of your hard-earned money.
Secure checkout via Stripe. Prepared by an Enrolled Agent. Final scope confirmed in writing before any work begins.
In short: Tax planning is year-round strategy work, not year-end filing: we analyze your income, entity structure, and upcoming decisions, then recommend legal ways to reduce your tax bill while there is still time to act. Engagements include quarterly strategy sessions and ongoing advisory, built for business owners and individuals who would rather plan ahead than react in April.
What's Included
- A planning engagement scoped to your situation
- Written recommendations you can act on
- A snapshot option is available as an entry point
Timeline: Scoped up front; delivered on an agreed schedule.
Not included:
- Executing restructuring
- Entity formation or dissolution filings (separate)
What Happens After You Purchase
- 1Secure checkout via Stripe
- 2Portal invitation within 1 hour
- 3Upload your documents securely
- 4Prepared and delivered by an Enrolled Agent
"Arc & Ledger provided exceptional service, making my tax preparation seamless and stress-free."
- Christian S.
Stop Reacting, Start Planning
Most people think about taxes only when they are due. This reactive approach is costly. By the time the year is over, it is often too late to make a significant impact on your tax bill. The deductions you could have taken, the retirement contributions you could have made, the entity changes you could have implemented, all of those windows close on December 31.
Our planning engagements change that dynamic entirely. We work with you to identify opportunities, make adjustments, and implement strategies while there is still time to act. The goal is simple: turn your tax bill from your biggest expense into a strategic advantage.
This is not a one-size-fits-all product. Every planning engagement starts with a deep understanding of your financial situation, your goals, and the specific levers available to you. From there, we build a customized plan and help you execute it step by step.
What Makes This Different
- Structured engagements, not a once-a-year conversation
- Regular check-ins to adjust strategy as your situation changes
- Concrete, measurable tax savings you can track
- Direct access to an Enrolled Agent who knows your full picture
- Strategies implemented in real time, not after the fact
- Clear deliverables with every engagement
How a Planning Engagement Works
Every engagement follows a structured process to ensure we identify every opportunity and deliver clear, actionable results.
Discovery
We review your tax returns, financial situation, and goals. For Snapshot clients, this happens during the 45-minute session. For full engagements, we conduct a deeper analysis.
Strategy
We identify the specific tax-saving moves available to you: entity changes, retirement contributions, timing strategies, deduction optimization, and more.
Deliverables
You receive a written plan with prioritized recommendations, projected savings, and clear implementation steps. No vague advice: every item is actionable.
Implementation
For full engagements, we help you execute the plan: filing elections, restructuring entities, adjusting estimated payments, and coordinating with your other advisors.
A Planning Service for Every Need
Start with a focused snapshot or go straight to a full engagement. Every tier is scoped to your situation and priced before work begins.
Tax Planning Snapshot
$349
One-time, credited toward engagement
A focused 45-minute session with a written list of your top tax-saving moves. Ideal for individuals who want a clear starting point before committing to a full engagement.
Who it's for: Individuals and couples who want to understand their options before diving in.
- 45-minute strategy session with an Enrolled Agent
- Written summary of your top tax-saving opportunities
- Prioritized action items you can implement right away
- Fee credited in full toward a Tax Planning Engagement
Tax Planning Engagement
From $1,497
Per engagement
A comprehensive written tax plan with a review session. Covers entity structure, retirement strategy, deduction optimization, and implementation guidance.
Who it's for: Small business owners, self-employed professionals, and high-income earners ready to optimize.
- Detailed written tax plan tailored to your situation
- Entity structure and compensation analysis
- Retirement contribution strategy (Solo 401k, SEP IRA, HSA)
- Review session to walk through the plan and next steps
- Implementation guidance and timeline
- Estimated tax payment optimization
Strategy / Restructuring Project
$2,497 - $4,997
Per project
Comprehensive restructuring with entity optimization for clients with complex needs, multiple entities, or significant life changes that require a ground-up tax strategy.
Who it's for: Multi-entity owners, executives with stock options, real estate investors, and clients with international holdings.
- Everything in the Tax Planning Engagement, plus:
- Full entity restructuring analysis and recommendations
- Multi-year tax projection and modeling
- International holdings and compliance review (FBAR/FATCA)
- Stock option and RSU tax planning
- Cost segregation opportunity evaluation
- Real estate professional status (REPS) analysis
Real Results, Real Savings
Tax planning is an investment, and we measure our success by your return on that investment. Here are examples of what proactive planning can look like.
The following are illustrative examples based on common client scenarios. Individual results vary based on income, entity structure, and tax situation.
The S-Corp Savings
A consultant with $200,000 in net income formed an S-Corp and set a reasonable salary of $80,000. The remaining $120,000 in distributions avoided self-employment tax entirely.
Over $10,000
in annual SE tax savings
The Retirement Boost
A freelance designer earning $150,000 had no retirement plan. We helped them set up and fund a SEP IRA, generating a $30,000 deduction in the first year.
Over $11,000
in combined income and SE tax savings
The Real Estate Win
A real estate investor owned a $1M rental property. A cost segregation study we recommended generated an additional $200,000 in accelerated depreciation deductions.
$64,000
in tax savings in one year
Savings vary widely with your income, entity structure, and the strategies actually available to you, and no savings amount can be promised in advance. During your discovery call, we walk through the strategies that apply to your facts and give you a realistic, personalized range before you commit to anything.
The Backdoor Roth and Roth Conversions
A high earner's field guide to tax-free retirement growth: the backdoor Roth IRA, the pro-rata rule to plan around, the mega backdoor, and when a conversion makes sense. Current 2026 limits included.
Frequently Asked Questions
Common questions about this service area.
Related Guides
Learn more about this topic with our in-depth guides.
Related Services
Explore other ways we support our clients.
Tax Review
A professional second opinion on your previously filed returns to find errors and missed deductions.
Learn MoreBusiness Tax & Compliance
Tax preparation and compliance services for sole proprietors, LLCs, S-Corps, and C-Corps.
Learn MoreIndividual Tax Services
Accurate tax return preparation for W-2 employees, freelancers, investors, and expats.
Learn MoreReady to Build Your Proactive Tax Strategy?
Let's talk about how much you could be saving. Schedule a complimentary discovery call to discuss your situation and see if our tax planning service is the right fit.
“Arc & Ledger provided exceptional service, making my tax preparation seamless and stress-free.”– Christian S., Google Review
We are scheduling new engagements from September 15.
Both reach the same Enrolled Agent review. After either one, you'll receive a secure Client Portal invitation to upload your documents.