Most people have no idea how different their 2025 tax return will look.

With major updates to income brackets, deductions, and credits — both individuals and businesses face new risks and new opportunities. The changes aren’t just numbers on paper. They affect how much you keep, how you grow, and how you retire.

Yes — if you’re not planning proactively.

Many high-income earners and business owners assume that filing is enough. But without tax planning, you’re likely missing deductions, credits, and entity strategies that could reduce your liability. With SALT caps, QBI rules, and expiring energy credits — now is the time to get strategic.

Not always.

A sole proprietorship or default LLC might’ve worked before — but with the permanent 20% QBI deduction and expanded depreciation rules, switching to an S-Corp or setting up a Profit Sharing Plan could mean thousands in savings. Your structure is the foundation of your tax plan.

A huge one.

Tax preparation is reactive — it reports what already happened. Tax planning is proactive — it shapes what happens next. Filing without planning is like showing up to a game with no strategy. If you're only thinking about taxes once a year, you're leaving money on the table.

Possibly.

Most people stash money in 401(k)s or SEP IRAs without realizing they’re deferring a tax problem. With national debt rising and tax brackets shifting, your withdrawals in retirement could be taxed at a higher rate. Tax-free strategies using cash value life insurance or indexed annuities can give you income and control.

It depends on your income, team, and future goals.

SEP IRAs are simple and great for solopreneurs. Profit Sharing Plans let you contribute more and reward employees — or even just yourself, depending on the setup. We compare both options to help you keep more, invest smarter, and stay IRS-compliant.

Everything you actually need — no fluff.

We provide monthly bookkeeping, tax return prep, and ongoing planning that’s tailored to your income and goals. We serve individuals, business owners, and freelancers who want more than just a one-time tax filing. You’ll know where your money’s going — and how to keep more of it.

The timing of your tax refund can depend on a variety of factors. While most refunds are issued within 21 days of filing, the IRS advises not to count on receiving your refund by a specific date—especially if you're planning to make big purchases or pay bills.

Here are some reasons why your refund might take longer:

• Identity theft and refund fraud: Some returns may need extra review, which can delay the process. The IRS is working with partners in the tax industry to strengthen security and protect against identity theft and fraud.

• EITC and ACTC refunds: If you're claiming the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC), the law requires the IRS to hold your entire refund until mid-February. This includes the portion of your refund that isn't related to these credits.

• Manual reviews: Sometimes, the IRS needs to manually review a return—whether it was filed electronically or on paper. This might happen if there’s an error, missing information, or concerns about identity theft or fraud. In these cases, processing can take longer because an IRS employee has to handle the review. If the IRS can correct an issue without needing to contact you, they will send you an explanation.

Overall, while most refunds come quickly, be aware that some situations may cause delays. It's always a good idea to be patient and check the status of your refund if needed!

If you're wondering where your refund is, the IRS "Where's My Refund?" tool is your best friend! It's a simple and secure way to check the status of your refund online.

Just visit the tool at the IRS website and enter your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN), your filing status, and the exact refund amount from your tax return. The tool will give you up-to-date information on whether your refund has been received, approved, or sent.

Keep in mind that it may take a few days for your information to show up after you file, and most refunds are processed within 21 days, though this can vary depending on factors like manual reviews or special credits like the EITC.

So, before you start calling or worrying, give the Where’s My Refund? tool a try—it’s fast, easy, and always available!

Visit https://www.irs.gov/wheres-my-refund

Absolutely — but we need to clean things up first.

Tax planning without solid books is like building on sand. Our bookkeeping services are built to support strategy. We organize your income, track every deduction, and give you clear reports — monthly. It’s the first step toward clarity and confidence.

Book a free strategy call.

We’ll review your current setup, identify hidden tax opportunities, and map out your next steps — whether it’s a better structure, a new retirement strategy, or just finally getting your books in order.

👉 Book your free call now