Our Core Service — Built Before Tax Season, Not During It
O&M Tax & Business Advisory offers expert tax planning in Edinburg, TX — led by Enrolled Agent Juan Carlos Ontiveros — helping RGV business owners save $15,000 to $50,000 annually through proactive year-round strategies throughout the Rio Grande Valley — building proactive, year-round strategies to minimize tax liability, optimize deductions, and structure income for maximum retention. Bilingual service in English and Spanish. Serving Edinburg, McAllen, Mission, Pharr, and the greater RGV. Free tax planning consultations available. See our business formation and bookkeeping pages for integrated financial services.
Tax planning is the proactive, year-round process of structuring your income, expenses, and business decisions to legally minimize the taxes you owe. For Edinburg and Rio Grande Valley small business owners, effective tax planning is the difference between overpaying the IRS and retaining more of what you earn. O&M Tax & Business Advisory builds custom tax plans for each client based on their specific income level, business entity, industry, and financial goals — not generic advice that applies to everyone. Unlike tax preparation, which records what already happened, tax planning shapes decisions before they are made: which expenses to accelerate, how to structure payroll, when to defer income, and how to maximize retirement contributions to reduce taxable income.
Every small business owner and self-employed individual in Edinburg, TX can benefit from proactive tax planning — but the need is especially acute for those who have recently experienced significant income growth, changed business structures, started a new business, or received a large tax bill at filing time. If you are self-employed, run an LLC or S-Corp, own rental property, or operate in a cash-heavy or seasonal business in the Rio Grande Valley, tax planning is the most direct tool available to reduce what you owe. See who we serve for a full breakdown of the clients O&M Tax works with most, and our reviews to hear from RGV business owners who have benefited from personalized tax planning.
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.
Within 10 business days you receive a clear written plan detailing your tax-saving opportunities and exact steps to capture them.
We execute the first phase of the plan — entity adjustments, payroll setup, deduction activation.
We revisit the plan, adjust the income changes, and capture new opportunities before December 31.
Before the calendar year closes we make final moves - retirement contributions, purchases, write-offs - while there's still time to act.
Your return is prepared based on everything we've built together. Clean, accurate, and fully defensible.
O&M Tax & Business Advisory provides a full range of tax planning strategies for individuals and small businesses in Edinburg, TX and the Rio Grande Valley. Services include estimated tax planning and quarterly payment scheduling to eliminate underpayment penalties, deduction optimization across all eligible business expenses, entity structure review to determine whether operating as a sole proprietor, LLC, or S-Corp best minimizes your tax burden, payroll tax strategy for business owners paying themselves through salary and distributions, and retirement contribution planning to reduce taxable income through SEP IRA, Solo 401(k), or SIMPLE IRA contributions. Each strategy is selected and customized based on your specific financial picture. Learn about our process to understand how O&M Tax builds your plan.
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.
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.
Many Edinburg residents and business owners use the terms tax planning and tax preparation interchangeably — but they are fundamentally different services. Tax preparation is a backward-looking service: it takes the financial activity of the past year and files an accurate return. Tax planning is forward-looking: it makes decisions throughout the year that reduce your tax liability before the return is ever filed. At O&M Tax, both services are integrated — your tax preparer is also your planner — so the strategy your advisor builds is reflected precisely in the return filed at year end. This integrated approach eliminates the gap between planning and execution that exists when clients use different providers for each.
O&M Tax & Business Advisory provides tax planning services in both English and Spanish for individuals and small business owners throughout the Rio Grande Valley. Edinburg’s bilingual business community deserves advisors who can communicate strategy clearly in the language their clients think and work in — not just translate a standard service. O&M Tax serves clients across Edinburg, McAllen, Mission, Pharr, Weslaco, and surrounding RGV communities. Bookkeeping and business formation services are also available in English and Spanish, making O&M Tax the comprehensive bilingual tax advisory choice for the Rio Grande Valley.
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.
O&M Tax & Business Advisory is located at 4414 S. Raul Longoria Rd., Suite B, Edinburg, TX 78542, serving individuals and small businesses throughout the Rio Grande Valley. Call (956) 458-7368 or contact O&M Tax to schedule a free tax planning consultation. During the consultation, an advisor reviews your current tax situation and financial goals before recommending a personalized strategy. There is no obligation to proceed. See our frequently asked questions for common questions about tax planning in the Edinburg and RGV area.