Rather decide in October than be surprised in April?
Year-Round Tax Planning in Clearwater
Owing a big balance in April is avoidable. A planning visit during the year shows you what's coming and what you can still change. Iris meets you at home or at your business in Clearwater and leaves you with a simple plan. Call 678-614-4636.
Hablamos español. Monday to Saturday, 8 to 6.
What a planning visit covers
- A projection of this year's income and tax, using your paychecks, business numbers or retirement income so far
- A withholding check for W-2 households, with a new Form W-4 if needed
- Estimated payment amounts for self-employed people and retirees
- Retirement contributions: IRA, Roth IRA, SEP-IRA or solo 401(k) options and deadlines
- Timing of big expenses, such as equipment, vehicles or medical procedures
- Family changes: a new baby, a child aging out of credits, a college student, a parent moving in
A typical example
An illustrative example, not a client testimonial. A Clearwater couple started a side business making custom signs this year, and one spouse changed jobs in the spring. In September, Iris meets them at home, projects their income through December, and sees they're on track to owe more than $3,000.
She sets up one estimated payment for September and one for January, adjusts the new job's W-4, and suggests opening a SEP-IRA before year-end. In April, they owe nothing and get a small refund.
Life events worth a call
Some changes affect your taxes for years: marriage or divorce, a home purchase or sale, starting a business, retiring, or starting Social Security. A call to Iris soon after the change lets her adjust withholding or estimates before the year gets away.
Clients who use Tax Link for bookkeeping get quarterly check-ins automatically. See our tax consultant in Clearwater page for other planning services.
How it works
- Call 678-614-4636 and tell Iris what changed this year. She tells you what to have ready.
- She meets you at home or at your business, reviews income so far and projects the rest of the year.
- You get a short written plan: what to pay, by when, and what to do before December 31.
What it costs
Planning visits are a flat fee: [planning session price]. Year-round packages with quarterly check-ins are [annual planning package price].
Iris's promises to you
Inviting someone into your home or business takes trust. Here is what Iris promises every client:
- You know the price before she starts. No surprise fees at the end.
- Your documents never leave your sight. She scans what she needs at your table, works on an encrypted laptop and hands your originals back before she leaves.
- Every line is explained in your language. Plain English or Spanish, so you know exactly what you signed.
- No waiting room, ever. She comes to your home or business at the time you choose, Monday to Saturday from 8 to 6.
- If the IRS writes later, she reads it with you. The same woman-owned business that did the work answers the follow-up.
Mobile service across Pinellas County
Iris is based in Clearwater, from Countryside and Island Estates to downtown and Clearwater Beach, and drives to clients across Pinellas County:
- Clearwater
- Largo
- St. Petersburg
- Pinellas Park
- Seminole
- Dunedin
- Palm Harbor
- Tarpon Springs
- Safety Harbor
- Oldsmar
- Gulfport
- Belleair
- Indian Rocks Beach
- Madeira Beach
- Treasure Island
- St. Pete Beach
She also serves nearby parts of Pasco and Hillsborough counties when her schedule allows. Appointments can be at your home, your business, or a hospital or care community. Family out of state can book a visit for a parent and join by phone.
Questions people ask before they call
Isn't tax planning only for wealthy people?
No. The people who benefit most are often working families and small business owners who get surprised by a bill or miss a credit.
How many visits do I need?
Most households need one visit in the fall. Business owners usually benefit from quarterly check-ins.
Can you adjust my paycheck withholding?
Iris can show you the right amounts and help you fill out a new Form W-4 for your employer.
Do you recommend investments?
No. Iris helps with taxes. For investments or insurance, talk to a licensed financial professional.
What should I bring?
Your most recent pay stubs, last year's tax return, and year-to-date business or retirement income figures.
Can you plan for a home sale?
Yes. Iris estimates whether you qualify to exclude the gain on your main home and what records to keep for improvements.
What if my income is hard to predict?
That's common for commissions, tips and seasonal work. Iris builds the plan around a conservative estimate and updates it when your income changes.