New Page | Tinae's Financial Group

Individual and Business Tax Planning

At Tinae’s Financial Group, we believe that smart tax planning is one of the most powerful tools for building wealth, reducing financial stress, and achieving long-term financial goals. Tax planning isn’t just about filing a return once a year—it’s about taking a proactive, strategic approach to your income, investments, and financial decisions throughout the entire year.

Our mission is to help individuals, families, and business owners maximize their tax efficiency through personalized planning, expert insight, and year-round support. Whether you’re looking to reduce your current tax bill, optimize your retirement savings, or navigate a complex tax situation, we’re here to provide guidance that’s clear, customized, and rooted in your unique financial picture.

From small business owners and freelancers to retirees and high-net-worth individuals, our team is trusted by clients who want more than just basic tax prep. We deliver comprehensive, forward-thinking strategies that turn tax planning into an advantage—not a burden.

✅ 1. Individual Tax Planning

Designed for working professionals, families, and retirees seeking to optimize personal tax outcomes.

Services include:

Federal & state income tax return preparation
Maximizing deductions & credits (childcare, education, medical, etc.)
Tax planning for major life events (marriage, home purchase, new job, retirement)
Strategic tax withholding adjustments
Tax optimization for investment income (capital gains, dividends)

✅ 2. Self-Employed & Freelance Tax Strategies

Helping independent workers avoid surprises and maximize write-offs.

Services include:

Schedule C income and deduction optimization
Quarterly estimated tax planning
Home office, mileage, and business expense deductions
SEP IRA & Solo 401(k) retirement tax strategies
Bookkeeping and 1099 support

✅ 3. Business Tax Planning

Customized for LLCs, S-Corps, C-Corps, and partnerships to reduce tax burdens and enhance cash flow.

Services include:

Entity structure analysis for tax efficiency
Business deductions & depreciation planning
Quarterly filings & estimated payments
Payroll, sales, and excise tax guidance
Tax strategies for owner distributions & retained earnings

✅ 4. Investment & Wealth Tax Strategies

Because growing your wealth shouldn’t increase your tax burden unnecessarily.

Services include:

Capital gains/loss harvesting
Roth IRA conversions and timing
1031 exchanges for real estate
Tax-advantaged investing (municipal bonds, ETFs, etc.)
Tax deferral strategies for large windfalls

✅ 5. Retirement & Estate Tax Planning

Ensure your wealth is protected and transferred efficiently.

Services include:

Required Minimum Distribution (RMD) planning
Gifting strategies to reduce estate taxes
Trust and beneficiary structure reviews
Multi-year Roth conversion strategies
Estate and inheritance tax return preparation

✅ 6. Tax Resolution & IRS Support

If you're behind or dealing with tax issues, we’ll help you resolve them quickly and affordably.

Services include:

Back tax filings
IRS audit representation
Offers in compromise & installment agreements
Penalty abatement requests
IRS letter response & negotiation

📉 Tax Reduction Strategies We Use

At Tinae’s Financial Group, we leverage proactive strategies tailored to your situation. Some of the ways we help reduce your tax bill or increase your refund include:

Maximizing deductions & credits: We ensure you're claiming everything you're eligible for—from child care to education to energy credits.
Timing income & expenses: Strategic deferral or acceleration of income and expenses to reduce tax brackets.
Retirement contribution optimization: Use traditional IRAs, 401(k)s, and SEP IRAs to reduce taxable income.
Tax-loss harvesting: Selling underperforming investments to offset gains.
Adjusting withholding: Prevent large tax bills or underpayments through smart W-4 planning.
Charitable giving: Optimize donations with itemized deductions or donor-advised funds.
Entity restructuring: Choosing the right business entity can significantly reduce tax liability.