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Westfront provides proactive tax planning for Miami and South Florida businesses that want a CPA involved in making financial decisions. We help you avoid overpaying and give you visibility into your tax expenses throughout the year.
Tax preparation reports what happened. Tax planning looks ahead while there is still time to reduce taxes and prepare for what you’ll owe.
We look at what's already happening in the business to identify opportunities and give you the clarity and structure to handle your taxes proactively.
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We estimate your taxes and your quarterly payments throughout the year.
Example: 10%+ YoY profit growth increases taxes compared to last year.
We track and capture all of the expenses that you can legally deduct.
Example: $7,600 in owner-paid expenses that should have been deducted.
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We look for timing opportunities to delay taxes or support cash flow.
Example: Prepay $15,000 in expenses late into the year that would otherwise still be spent early the following year.
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We strategically structure depreciation deductions to save you the most.
Example: $140,000 worth of deductions structured the smart way.
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We maximize your retirement and education savings to build wealth.
Example: $38,000 invested and growing tax-free.
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We coordinate salary, distributions and family payroll opportunities.
Example: $8,500 paid to a child working in the family business instead of being spent personally.
When tax planning, the single most important decision is the very first one, entity structure. It not only shapes how you ultimately build wealth, but also how assets get passed down to your heirs. In practice, the structure grows as your wealth grows, so it is important to get it right from the start.
Single-member structures play an important role when separating certain investments or activities as your overall structure grows.
When two or more people go into business together, the structure needs to account for more than taxes. Legal ownership and management matter as well.
Although an S-Corp is a tax election rather than a separate legal entity, it can create significant tax advantages when the economics and ownership requirements line up.
Learn when an S-Corp makes sense →Review tax filings and understand what was paid. Map out the estimated payment strategy for the year. Balance the tradeoff between making quarterly payments and keeping cash in the business.
Review year-to-date performance and how taxes compare to prior year. Reassess planning opportunities for the second half of the year and the remaining estimated payment strategy.
Identify major purchases, deductions and other tax moves while there is still time before year-end. Assess opportunities to time income and expenses.
Finalize year-end compliance and prepare for upcoming filings and payments. Review retirement and education investing, owner compensation and other strategies for the year ahead.
Westfront works with Miami and South Florida business owners who are making enough profit to cover their lifestyle while still having discretionary income to put to work in tax-advantaged strategies that build wealth. Tax planning is available to clients who also use Westfront for bookkeeping. Clean numbers are the foundation for making good tax decisions throughout the year.
Monthly tax visibility and quarterly planning sessions directly with a CPA.
Tax planning is provided alongside bookkeeping, which is quoted separately. Clean financials are required for meaningful planning.
Free discovery call →We serve clients remotely across Broward, Miami-Dade and Palm Beach.
Does a CPA do tax planning?
Yes. CPAs and tax attorneys are the most qualified people to provide tax planning, but many firms have become heavily focused on tax preparation and compliance. Tax planning requires more time and involvement throughout the year, which only some CPAs offer.
When should I start tax planning?
At a bare minimum, start during the year you are looking to save in taxes. Ideally, start early in the year. If you wait until August or September, there is still time but your options begin to narrow. By tax season for the year in question many of the opportunities that were available to you are already gone.
What is the difference between a CPA and a tax planner?
This is like asking what is the difference between a chef and a cook. Every CPA is a qualified tax planner but not every tax planner is a CPA. A tax planner can give you a tax strategy recipe while a CPA looks at the entire financial picture to identify legitimate strategy opportunities that are legal and make sense for your situation.
How do I find a good tax planner?
Look for a CPA and ask how often they talk to clients about taxes during the year. If it's once a year you are probably getting tax preparation, not tax planning. Tax planning conversations should happen quarterly.
How much does tax planning cost?
Essentially zero dollars. Tax planning saves more than it costs. The investment is $300–$500 per month but it requires clean financials to plan from.
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