Tax Planning Services for Individuals & Business Owners

Proactive tax planning can save you thousands of dollars over time—and a lot of stress every April. At Harper Tax CPA, we offer structured, year-round tax planning services for both individuals and businesses so you’re not just filing a return, you’re running a strategy.

Whether you’re a W-2 employee, self-employed, or managing a growing multi-state business, we help you:

• Identify legitimate deductions and credits you’re missing

• Smooth out tax surprises with accurate projections

• Align your business and personal finances with your long-term goals

Our tax planning services are organized into clear tiers that match the complexity of your situation and the level of support you need, and they align directly with the options on our Tax Planning Pricing page.

Who We Help

We design tax planning for real life—not just theory. Typical clients include:

Individuals & Families

• W-2 employees wanting to avoid surprises at tax time

• Dual-income households with changing income or bonus compensation

• Professionals with student loans, equity compensation, or side income

• Retirees or near-retirees planning withdrawals, Social Security, and RMDs

Self-Employed & Small Business Owners

• Sole proprietors, single-member LLCs, and freelancers

• Owners of LLCs, partnerships, S corporations, and C corporations

• Consultants, real estate professionals, and online businesses

Growing & Multi-State Businesses

• Businesses operating or selling into multiple states

• Owners looking at PTET (Pass-Through Entity Tax) opportunities where available

• Entrepreneurs with multiple entities, rentals, or investments

If your financial life touches taxes (and it does), there’s likely a planning opportunity.

Our Tax Planning Tiers

Our planning tiers mirror the structure on our Tax Planning Pricing page, but this page focuses on what you receive, not the dollar amounts.

Tier 1 – Essential Tax Planning

For: W-2 earners and sole proprietors who want an annual check-in and projection.

Includes:

• Year-end tax projection so you know where you’ll land before you file

• Estimated tax payment review to reduce underpayment penalties and surprises

• Entity and deduction checkup (Are you set up correctly? Are you missing simple deductions?)

• One annual planning call with a CPA to walk through your situation and action items

This tier is ideal if you want a professional review and clear steps without ongoing quarterly meetings.

Tier 2 – Business Tax Planning

For: Single-state business owners who need deeper, ongoing business and personal tax coordination.

Includes:

• Quarterly tax projections so your numbers stay current as your year unfolds

• Reasonable compensation and owner pay analysis

• Retirement contribution modeling (SEP, Solo 401(k), SIMPLE, etc.)

• QBI / Section 199A optimization where applicable

• Email support throughout the year for planning-related questions

This tier works well for owners who want to align salary, draws/distributions, and retirement savings with their tax picture—not just guess.

Tier 3 – Multi-State & PTET Strategy

For: Businesses with multi-state operations, sales, or owners—and those considering PTET.

Includes:

• PTET / PTE election modeling where states allow it

• State apportionment planning to help manage where income is taxed

• Owner basis tracking so distributions and losses stay compliant

• Quarterly advisory calls to revisit strategy as laws or your operations change

This tier fits owners whose tax picture spans multiple states or who want to know if PTET elections could reduce their overall tax burden.

Tier 4 – Advisory & High-Complexity Planning

For: High-income individuals and multi-entity business structures.

Includes:

• Entity structure optimization (how your LLCs, corporations, and partnerships fit together)

• Tax-efficient compensation and distribution planning for owners and key employees

• Investment and real estate tax coordination (rentals, 1031 strategy discussions, depreciation planning, etc.)

• Quarterly strategic calls and expanded email access for more frequent decision support

This tier is best if your financial life has multiple moving parts and you want a CPA on call to help you make better, tax-aware decisions throughout the year.

What’s Included in Every Tax Planning Engagement

Regardless of tier, our tax planning services are built around:

• A dedicated CPA who understands both your personal and business situation

• Clear, written recommendations you can actually implement

• Secure, virtual meetings and document sharing—no need to drive across town

• Integration with your tax preparation so planning and filing work together

Your tax plan is not a generic checklist; it’s tailored to your situation using your actual numbers.

How Our Tax Planning Process Works

1. Initial Discovery
   You complete a secure questionnaire and share your recent tax returns and financial information. We identify major planning opportunities before we ever meet.

2. Strategy Meeting
   We review your current year projection, walk through key decisions, and discuss options—from adjusting withholding and estimated payments to entity structure, retirement, and state-specific strategies.

3. Written Tax Plan & Action Steps
   You receive a clear summary outlining recommended strategies, the expected impact, and what needs to happen next (and by when).

4. Ongoing Check-Ins (Depending on Tier)
   For quarterly and advisory tiers, we revisit your plan, update projections, and adjust for changes in income, laws, or your goals.

Common Tax Planning Topics We Cover

Depending on your tier and situation, we may help you with:

For Individuals & Families

• Optimizing withholding and estimated tax payments

• Planning for bonuses, stock compensation, and RSUs

• Charitable giving strategy and bunching deductions

• Education savings and credits (529 plans, AOTC, LLC, etc.)

• Retirement withdrawal strategies and RMD planning

For Business Owners

• Choosing and revisiting business entity type (LLC, partnership, S corporation, C corporation)

• Owner salary vs. distributions and cash-flow planning

• Retirement plan design and contribution levels

• Depreciation and expensing for equipment and vehicles

• Home office, travel, and other business deductions

For Multi-State & Complex Situations

• Nexus and state filing requirements

• Multi-state apportionment of income and sales

• PTET / pass-through entity elections where beneficial

• Basis tracking for partners and shareholders

• Coordinating real estate, investments, and business activity across states

We don’t push trendy “loopholes.” We focus on strategies that are defensible, repeatable, and aligned with current tax law.

Why Work With Harper Tax CPA for Tax Planning?

• Specialized in planning, not just preparation – We design our service tiers around projections, modeling, and decision support, not just data entry.

• Aligned services and pricing – Our planning tiers are clearly defined and match the Tax Planning Pricing structure, so you know exactly what level of service you’re getting.

• Virtual and accessible – We work with clients remotely, using secure technology to keep the process efficient and convenient.

• Straightforward communication – You get clear explanations and action items, not jargon.

Ready to Turn Tax Filing Into Tax Planning?

If you’re tired of being surprised at tax time—or you suspect you’re leaving money on the table—professional tax planning can make a meaningful difference over the next few years, not just this one.

Next steps:

• Review the options on our Tax Planning Pricing page to see which tier best matches your situation

• Then schedule a consultation with a CPA to discuss fit and next steps

Turn your tax return from a history lesson into a game plan.
Contact Harper Tax CPA today to get started.

Ready to make your Taxes more efficient?

📞 Schedule your free consultation today with Harper Tax CPA to learn how to save on taxes while staying fully compliant. Call: 509-596-0335

📧 Email — [email protected] (Click Here)
📝 Use the Internal Contact Form on our website to request a consultation. (Click Here)

Prefer to schedule directly?
You can easily book a time that fits your schedule using our Calendly calendar (Click Here).