Personal Tax Prep & Financial Planning

For most people, "tax time" is a once-a-year headache. You gather your documents, plug numbers into a piece of software, or drop a folder off with a preparer, and hope for the best. You're focused on what you owe or what you're getting back.

What We Do: A Holistic Approach to Your Finances

We connect the dots between your taxes and your life. Our services are built to work together, giving you a single, unified strategy.

Expert Personal Tax Preparation (Form 1040)

First, we get your taxes done right. We handle all personal federal and state filings, specializing in complex situations.

• Comprehensive 1040 Filing: For individuals, families, and business owners.

• Investment Income: Accurate reporting of capital gains/losses, dividends, and interest (Schedule B & D).

• Business Owner Integration: We seamlessly integrate your Schedule C (Sole Prop) or K-1s (from your S-Corp/Partnership) into your personal return.

• Rental Property (Schedule E): We help you maximize deductions and properly track depreciation for your real estate investments.

• Multi-State Returns: We manage filings for individuals who live or work in multiple states.

Proactive Financial Planning

This is where we go beyond the return. We use your tax data to inform smarter financial decisions all year long.

• Retirement Planning: Are you maximizing your 401(k), IRA, or SEP IRA? We'll show you how different contribution levels affect your tax bill today and your wealth tomorrow.
• Tax-Advantaged Savings: We'll help you create strategies for college (529 Plans) and healthcare (HSAs) to reduce your taxable income.
• Investment Tax Strategy: We can review your portfolio to identify opportunities for tax-loss harvesting and help you understand the tax impact of your investment choices.
• Life Event Planning: We provide guidance on the tax implications of major life changes, such as getting married, having a child, buying a home, or receiving an inheritance.

The Fred Lundin CPA Difference: Your CFO for Life

Typically, your tax preparer and your financial advisor (if you have one) never talk to each other. This creates a massive gap where you lose money and miss opportunities.

We are a CPA firm with a financial planning mindset. We understand that every financial decision—from selling stock to funding a 529 plan—has a tax consequence. And every tax strategy—from IRA contributions to harvesting losses—has a financial consequence.

By combining these two roles, we help you:

• Stop Missing Opportunities: We ensure your investment strategy and your tax strategy are working together, not against each other.
• Make Confident Decisions: Know the full financial and tax impact of any decision before you make it.
• Get Year-Round Advice: We're not just here in April. We're your partner when you're changing jobs, selling a home, or planning your future.
• See the Whole Picture: Get unified, clear advice from a single, trusted professional who understands your complete financial situation.

Ready to Build a Smarter Financial Future?

Let's stop treating your taxes as a backward-looking chore and start using them as a forward-looking tool to build the life you want.