DesCPA - Your business advisor
Tax Planning Services for Individuals and Business Owners
Tired of Sending Larger Tax Checks to the IRS Than Expected?
If you’ve ever asked:
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Am I paying the right amount in estimated taxes?
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Should I be making changes before year-end?
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Is my compensation or income structured correctly?
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You are in the right place.
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Most tax bills feel surprising because they’re addressed after the year is over. Reviewing your income and overall tax position throughout the year gives you time to adjust before December.
You’ll speak directly with a CPA to review your income structure and estimated payment approach.
Project Your Tax Liability Before Year-End
Estimate federal and state exposure early enough to adjust compensation, income timing, and estimated payments.
Base Quarterly Payments on Current Numbers
Recalculate estimated taxes using real performance, not last year’s income.
Evaluate How You Pay Yourself and Your Team
Review salary levels, distributions, and payroll setup to understand their tax impact.
Identify Opportunities to Reduce Tax Liability
Evaluate available strategies and determine what applies to your situation.
What Does Tax Planning Include?
Ongoing tax planning generally covers the following areas of review and decision-making.
Projected Income and Tax Exposure
We analyze business income, expense trends, and projected profitability to estimate federal and state tax exposure. Projections are updated during the year as performance changes.
Payroll and Owner Compensation Review
For S corporations and owner-managed businesses, we review salary levels, distributions, and payroll setup to understand tax impact.
Tax Strategy Implementation Support
We outline the next steps and timing considerations for implementing selected planning strategies throughout the year.
Quarterly Estimated Tax Calculations
Estimated payments are recalculated using current income data rather than relying solely on prior-year numbers. This helps align payments with actual performance.
Entity Structure Considerations
​When applicable, we evaluate whether your current entity structure aligns with profitability and long-term goals.
Coordination with Financial Advisors
Where appropriate, we coordinate discussions with your designated financial advisor to maintain alignment across decisions.
Small Business Tax Planning Services
For S corporations and LLCs, our tax planning often concentrates in the following areas.
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Small business owners with fluctuating income
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S corporation owners paying themselves through payroll and distributions
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LLC owners reviewing entity structure
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Professionals receiving 1099 income
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Business owners making quarterly estimated payments
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Individuals with multiple income streams
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Owners planning major purchases or structural changes
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Clients who have experienced larger-than-expected tax bills
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Planning conversations during the year influences how compensation, distributions, and estimated payments affect your overall tax exposure.
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CPA-Led Tax Planning
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Tax planning services are led by Lydia Desnoyers, CPA, CFE, founder of DesCPA Business Advisory.
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Lydia holds a Master’s Degree in Accounting, is a Certified Public Accountant and Certified Fraud Examiner, and serves on the board of the Florida Institute of Certified Public Accountants.
FAQs
When should small business tax planning begin?
Tax planning is most effective when discussions begin early in the year and continue as revenue, compensation, and profitability evolve. Waiting until filing season limits available adjustments.
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Do S corporations benefit from tax planning?
S corporations often require ongoing review of salary levels, distributions, and quarterly estimated payments. Planning conversations helps align those decisions with projected profitability.
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How are quarterly estimated tax payments calculated?
Quarterly payments are typically based on projected federal and state tax exposure. The IRS provides guidance on estimated tax requirements here:
https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes
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Is tax planning different from tax preparation?
Tax preparation focuses on filing completed returns. Tax planning involves reviewing income, compensation, and estimated payments during the year to influence tax exposure before filing.
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How do I know if I need tax planning services?
Business owners with fluctuating revenue, S corporation salary structures, LLC ownership, or quarterly estimated payment obligations often benefit from ongoing review.
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© 2026 by DesCPA Business Advisory
IRS Circular 230 requires us to notify you that information contained on this website and that any tax advice contained in this communication is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any tax penalties that me be imposed by law.