About Tax Planning
Most tax bills are decided months before the return is ever filed. By the time a preparer opens your file in March, the entity structure, the retirement contributions, and the quarter-by-quarter decisions are already locked in.
Jacob Reyes Tax Services builds the plan before the deadline, not after it. That means reviewing your entity type, your estimated payment schedule, and your deduction timing while there's still room to change the outcome.
This isn't a once-a-year conversation. San Antonio's mix of self-employed contractors, S-corp owners, and real estate investors each carry different exposure, and a plan that fits a W-2 household won't fit a 1099 one.
Built for tax planning
Planning tied to real filing experience
Jacob prepares the returns too, so the strategy is built by someone who sees how these choices actually land on Schedule C, Schedule E, and the 1120-S — not a generic checklist.
Entity structure reviewed, not assumed
Sole proprietor, LLC, or S-corp election each change your self-employment tax exposure. We check whether your current structure still fits your income level.
Quarterly estimates that avoid IRS penalties
Underpayment penalties are avoidable. We calculate your quarterly estimated payments based on actual year-to-date income, not last year's guess.
One point of contact all year
You call the same person in June that you call in March. No hand-off between a 'planning department' and a 'filing department.'
Signs you need tax planning
- Your income jumped this year and you're not sure what you'll owe in April
- You got hit with an underpayment penalty last year and don't want a repeat
- You're self-employed or 1099 and have never run the S-corp election numbers
- You started a Texas LLC and aren't sure how franchise tax and federal tax planning interact
- You're sitting on a large capital gain, bonus, or one-time payout this year
- You want to use a SEP-IRA or Solo 401(k) to lower this year's taxable income before December 31
The tax planning process
- 01
Review your current picture
We look at last year's return, this year's income to date, and your entity structure to see where the exposure sits.
- 02
Model the options
We run the numbers on entity election, retirement contributions, and timing moves so you see the actual dollar impact of each choice.
- 03
Set the quarterly schedule
We calculate estimated payments so you're not guessing — or getting penalized — each quarter.
- 04
Check in before it's too late to act
We revisit the plan mid-year and again before December 31, while there's still time to make a move.
What drives the cost
Entity complexity
A sole proprietor review is a shorter engagement than modeling an S-corp election or multi-entity structure, since the second requires payroll and reasonable-compensation analysis.
Number of income sources
One W-2 plus one 1099 is a simpler plan than someone juggling rental income, a side business, and investment gains — more sources means more moving pieces to coordinate.
One-time events
A large bonus, property sale, or business sale changes the planning scope, since these usually need dedicated modeling to avoid an unexpected bill.
Ongoing vs. one-time engagement
A single mid-year check-in costs less than a full year of quarterly planning and estimated payment calculations.
Every tax planning engagement is quoted after a short intake call, once we know your entity type, income sources, and how much ongoing support you want — there's no flat rate because no two situations carry the same complexity.
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Tax Planning across our service areas
Frequently asked questions about Tax Planning
Before you file
Frequently asked questions
It depends on complexity — a one-time review of a simple 1099 situation costs less than ongoing quarterly planning for an S-corp with payroll. We quote after a short intake call once we understand your entity structure and income sources, so you know the cost before any work starts.
The earlier the better. Entity elections and retirement contributions have hard deadlines, and moves like the S-corp election need to be made well before year-end to count for the current tax year. If you're calling us in December about a move that needed to happen in September, options narrow fast.
Not automatically. It depends on your net income after expenses, since the S-corp election trades self-employment tax savings for payroll costs and added filing requirements. We run your actual numbers before recommending it either way.
The IRS charges an underpayment penalty calculated on how much you owed and how late the payment was. We calculate your quarterly estimates from your actual year-to-date income so you avoid the penalty instead of finding out about it in April.
Yes. Texas has no state income tax, but LLCs and corporations above the no-tax-due threshold still owe franchise tax. We factor that into the plan alongside your federal exposure so nothing gets missed.
Yes. We start by reviewing last year's return to see what was left on the table, then build a plan for the current year so the same gaps don't repeat.
Jacob Reyes Tax Services handles both. Planning and preparation are done by the same person, so the strategy we build actually gets applied correctly when the return is filed.
Yes. Rental income brings depreciation, passive activity rules, and potential 1031 exchange considerations into the plan, all of which are different from wage or straight 1099 income.
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Book a tax planning review before your next quarterly deadline
Get a flat quote in writing before any work begins — individual returns, business filings, bookkeeping and payroll.