Service - Strategic Tax Planning

A Custom Tax Strategy That Works All Year
— Not Just in April​

Our Core Service — Built Before Tax Season, Not During It

Strategic Tax Planning

Control Your Tax Bill
Before It Controls You

Strategic tax planning is the difference between reacting to your tax bill and controlling it. At O&M Tax & Business Advisory, we build a written, IRS-compliant tax strategy specifically for your business — before tax season begins — so every decision you make throughout the year is made with your tax outcome in mind.

This is our signature service, and it’s what separates us from every other tax office in the Rio Grande Valley.

What's Included

What's Included in Your
Custom Tax Strategy

  • Quarterly estimated tax payment optimization
  • Business purchase and expense timing strategies
  • Retirement account structuring to reduce taxable income
  • S-Corp election analysis and payroll optimization
  • Qualified Business Income (QBI) deduction maximization
  • Home office, vehicle, and equipment deduction planning
  • Entity restructuring recommendations when applicable
  • Mid-year projections and December 31 deadline planning
  • Coordination with your investment and insurance advisors
  • Annual strategy review and update as laws change
The O&M Planning Process

How We Build Your Tax Strategy

1. Initial Strategy Call

We review your income, current structure, and existing approach — identifying exactly where you're overpaying. Most clients discover $10K–$30K in missed savings in the first session.

2. Written Strategy

Within 10 business days you receive a clear written plan detailing your tax-saving opportunities and exact steps to capture them.

3. Q1 Implemenation

We execute the first phase of the plan — entity adjustments, payroll setup, deduction activation.


4. Mid-Year Review

We revisit the plan, adjust the income changes, and capture new opportunities before December 31.

5. Year-End Positioning

Before the calendar year closes we make final moves - retirement contributions, purchases, write-offs - while there's still time to act.

6. Tax Filing

Your return is prepared based on everything we've built together. Clean, accurate, and fully defensible.

Is This Right For You?

Strategic Tax Planning
Is Perfect If…

  • Your business earns $300,000 or more annually
  • You're tired of tax season surprises
  • You want a year-round advisor, not a once-a-year filer
  • You want legal, IRS-compliant strategies that hold up under scrutiny

Common Clients Include: Medical and dental professionals, real estate agents and brokers, insurance agents, contractors, consultants, attorneys, and other service-based professionals across Edinburg, McAllen, and the Rio Grande Valley.

Results

What You Can Expect

Tax Savings Uncovered (Per client annually)
$ 0 K+
ROI on Planning Fees (Guaranteed savings approach)
0 x
IRS-Compliant Strategies (Audit ready strategies)
0 %
Legal, proven methods to reduce your tax burden

Tax Planning Strategies We Use

Every year, successful RGV entrepreneurs hand over more money to the IRS than they legally owe. The reason isn’t bad luck — it’s the absence of a proactive strategy.

Entity Structure Optimization

  • S-Corp Election for LLCs save $10,000-$20,000 annually
  • Multi-Entity Structuring for multiple income streams
  • C-Corp vs S-Corp analysis for your specific situation

Retirement & Benefit Planning

  • Solo 401(k) Maximization contribute up to $69,000/year
  • Cash Balance Plans for high earners ($100K-$300K+ contributions)
  • Health Savings Accounts (HSA) with triple tax advantage

Income & Expense Timing

  • Section 179 and Bonus Depreciation for equipment
  • Strategic income deferral between tax years
  • Prepaid expenses to maximize current-year deductions

Real Estate Tax Strategies

  • Cost Segregation Studies $50,000+ immediate savings
  • 1031 Like-Kind Exchanges to defer capital gains
  • Real Estate Professional Status for loss deductions

Tax Credits & Deductions

  • R&D Tax Credit worth $10,000-$50,000+ annually
  • Augusta Rule (Section 280A) rent your home tax-free
  • Home office and vehicle expense optimization

Family & Business Strategies

  • Hiring your children for legitimate tax savings
  • Spousal employment for retirement contributions
  • Charitable giving strategies and donor-advised funds
FAQ

Your Strategic Tax Planning
Questions, Answered

Right now. The best time was last year; the second best time is today. Every day you wait costs you money.

No. Most CPAs focus on compliance and filing. Very few provide proactive, year-round tax strategy.
It depends on your income, business structure, and current situation. Most business owners earning $100K+ save at least $10,000-$25,000 in the first year.

Absolutely. We use strategies written into the tax code by Congress. Nothing aggressive, nothing risky just smart planning.

We provide audit defense support. Because we document everything properly, our clients rarely face issues. If you are audited, we represent you.

Many clients replace their current accountant with us because we provide both planning and preparation. Others keep their accountant and use us for planning only.

Ready to See What You've Been Overpaying?

Schedule a free strategy call — we’ll review your situation and show you exactly where the savings are

Schedule Free Strategy Session