Straight Talk
Personal Tax Planning & Advisory Services
Lower Your Taxes. Maximize Your Wealth. Live With Confidence.
Most people treat taxes as a once-a-year event.
Smart individuals know better: real savings come from proactive planning—done all year, not just at filing time.
At Straight Talk CPAs, we help high-income earners, entrepreneurs, real estate investors, and families build tax strategies that do more than minimize liability.
Our goal:
reduce today’s tax bill while positioning you for long-term financial freedom.
Tax Planning That Looks Ahead—Not Just Back
Most accountants react to what already happened. We anticipate what’s coming. We meet with you throughout the year—not just in April—so your tax plan evolves with your life, investments, and goals. That way you:
- Minimize liability on every dollar you earn
- Maximize deductions and credits you’re legally entitled to
- Optimize investment and retirement contributions
- Align your tax strategy with your bigger wealth plan
Key Areas of Focus
Smart Income Structuring
How you earn is just as important as how much you earn. We help structure income—from wages, self-employment, real estate, and investments—so it’s taxed at the lowest legal rate.
Example:
A client shifted part of their income mix through entity restructuring and saved over $38K annually without reducing earnings.
Maximizing Deductions & Credits
We don’t stop at the obvious. Our deep-dive reviews uncover deductions and credits most people miss—often worth thousands.
Example:
A family overlooked education and dependent care credits that resulted in a $7,500 annual savings.
Retirement & Investment Planning
IRAs, 401(k)s, HSAs, Roth conversions, and tax-advantaged investments—we help you maximize contributions and time withdrawals strategically to reduce lifetime taxes.
Example: A client in their peak earning years used a backdoor Roth strategy to lower taxable income today while setting up tax-free growth for retirement.
Real Estate & Asset Planning
If you own rentals or other appreciating assets, we help you leverage depreciation, cost segregation, 1031 exchanges, and estate planning tools to preserve wealth across generations.
Example:
One investor used cost segregation to accelerate $220K in depreciation, freeing up cash to expand their portfolio.
Included in Our Advisory Packages
Personal tax planning isn’t an add-on—it’s a cornerstone.
Whether you’re a solopreneur earning multiple six figures, a family building intergenerational wealth, or a real estate investor managing multiple properties, our packages include year-round
tax planning that scales with your complexity.
Why Straight Talk?
- Expertise + Perspective
We’re CPAs fluent in the tax code—but we’re also strategists who understand investments, real estate, and business ownership. That means we see the whole picture, not just your Form 1040.
- Tailored, Not Template-Based
No cookie-cutter plans. Your tax strategy is built around your income streams, family structure, assets, and long-term goals.
- Forward-Looking & Adaptive
Tax law changes constantly. So does life. We refine your plan throughout the year, ensuring you’re always ahead of the curve.
- Straight Talk, Always
We cut the jargon and deliver clarity. You’ll know where you stand, what to do next, and how it impacts your bottom line.
How It Works?
Free Consultation
We start with a discovery call to understand your income, family structure, investments, and financial goals.
Tax Review & Strategy
We analyze prior returns, current income streams, and deductions to build a proactive, customized tax plan.
Implementation & Optimization
We help you implement, monitor, and adjust strategies as laws shift, and life events occur—so your plan evolves with you.
FAQ
Client Testimonials
“Straight Talk CPAs go above and beyond. They’re thorough, professional, and incredibly knowledgeable. I highly recommend them.”
Gaelle Mair
“Unlike most accountants who focus on the past, Straight Talk takes a forward-thinking approach. Their consultative style truly sets them apart.”
Matt Del
“They’re not just knowledgeable and professional—they’re friendly, easy to work with, and always go the extra mile.”
Henry Rodriguez
Let’s Reduce Your Tax Bill—Starting Now
Every dollar you save is a dollar you can invest, spend, or pass on.
