Tax Services

Tax prep is where
we start.
Not where we stop.

Accurate returns are the floor, not the ceiling. We connect your tax situation to a year-round strategy that reduces what you owe — and links every tax decision to your financial plan.

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The numbers matter

$37K

Average annual tax savings for business owners who implement a full tax strategy

1 in 3

Business owners overpaying self-employment taxes due to wrong entity structure

April

Is too late. Most tax-saving moves have to happen before December 31st

How We Approach Tax

Three levels. Most advisors only work at one.

Tax prep, tax planning, and financial planning are connected. When all three are aligned, your tax return stops being a report card and starts being a roadmap.

Level 1 — Foundation

Tax Preparation

An accurate, on-time return is the starting point. We prepare federal and state returns for business owners, the self-employed, and individuals with complex situations — S-Corps, partnerships, rental income, investment accounts, and more. But a return filed correctly is just the beginning.

Individual (1040) and business returns (1120-S, 1065, Schedule C)

Self-employment and S-Corp owner returns

Rental income, investment accounts, and capital gains

Coordination with bookkeeper or payroll provider

Level 2 — Strategy

Tax Planning

Tax planning is what happens between returns. It's the proactive decisions made throughout the year that change what your next return looks like. For business owners especially, this is where the real money is. The gap between reactive tax filing and proactive tax planning is often $20,000–$50,000 per year — sometimes more.

Year-round tax projection — we know your number before December

S-Corp election analysis and implementation

Retirement plan contributions timed to maximize deductions

Roth conversion windows identified and executed

QBI deduction optimization for pass-through entities

Capital gain and loss timing in investment accounts

Level 3 — Integration

Financial Planning

This is where tax work stops being a line item and starts being a wealth-building strategy. When your tax plan is wired into your financial plan, every dollar saved in taxes gets redirected with intention — into retirement accounts, investments, or debt reduction. Tax decisions become financial decisions.

Tax savings routed directly into retirement plan contributions

Investment accounts managed with tax efficiency as a core goal

Business exit structured to minimize the tax hit on the sale

Estate planning coordinated to reduce transfer taxes

Every major financial decision evaluated through a tax lens first

How We’re Different

What you get here vs. what you get
from a traditional CPA firm.

A good CPA is essential. We work alongside yours — or handle the return ourselves — but the work we do before and after the return is where most advisors go silent.

Traditional CPA

DeMull Financial

Accurate tax return filing

✓ Yes

Year-round tax projection

— Rarely

✓ Always

S-Corp election analysis

— Sometimes

✓ Yes

Retirement plan design for tax savings

— Rarely

✓ Yes

Roth conversion planning

— Rarely

✓ Yes

Investment tax coordination

— No

✓ Yes

Connected to your financial plan

— No

✓ Yes

Proactive outreach before year-end

— Rarely

✓ Yes

One advisor who knows your full picture

— No

✓ Yes

Year-Round Approach

Tax season is 12 months long.

The return you file in April is the result of decisions made all year long. Here’s how we stay ahead of it every month — and how that connects to your overall financial plan.

Jan – Mar

Return Preparation & Filing

Gather documents, prepare and file returns accurately. Review prior year for missed opportunities.

Apr – Jun

Entity & Compensation Review

Assess S-Corp election timing, set reasonable salary, review Q1 estimated taxes. Identify this year’s biggest opportunities.

Jul – Sep

Mid-Year Tax Projection

Run a full projection of this year’s tax liability. Adjust withholding or estimates. Identify retirement contribution runway remaining.

Oct – Nov

Year-End Planning Window

Execute Roth conversions, harvest losses, make final retirement contributions. Every major move needs to happen before December 31st.

December

Final Execution & Review

Confirm all moves are complete. Final estimated payment if needed. Set up next year’s strategy before the calendar turns.

Who We Work With

This work delivers the most value
when your tax picture is complex.

The more income you have — and the more moving parts — the more there is to save. Business owners, self-employed tradespeople, and high-income professionals consistently see the highest return on proactive tax work.

Business Owners

S-Corp elections, pass-through income, owner compensation, retirement plan design, QBI optimization, and eventual exit planning. The most tax complexity — and the most opportunity.

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Tradespeople & Contractors

Self-employment tax reduction, home office and vehicle deductions, irregular income planning, and retirement contributions that reduce taxable income significantly.

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Professionals & Executives

High W-2 income, deferred compensation timing, equity compensation, and high-income Roth strategies. Fewer levers than business owners — but the ones available still matter.

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DeMull Financial provides tax planning and preparation services in coordination with financial planning. We are not a CPA firm. For complex legal tax structures, estate matters, or situations requiring a licensed CPA, we will refer you to appropriate professionals in our network.

Tax prep is wherewe start.Not where we stop.

Three levels. Most advisors only work at one.

What you get here vs. what you getfrom a traditional CPA firm.

Tax season is 12 months long.

This work delivers the most valuewhen your tax picture is complex.

Let’s look at your tax situation.

Tax prep is where
we start.
Not where we stop.

What you get here vs. what you get
from a traditional CPA firm.

This work delivers the most value
when your tax picture is complex.