2024 is almost over, but it’s not too late to tax plan and decrease your taxes for the 2024 tax season. Hello, my name is Sonia Narvaez, and if you’re a freelancer or small business owner who files a Schedule…
Accounting Blog
Top 5 Most Frequently Asked Questions to a CPA
Today, we’re diving into the most frequently asked questions about accounting, tax planning, and financial advice! Whether you’re a small business owner, freelancer, or just trying to make sense of your personal finances, these are questions you’re probably wondering about….
5 Things You Should Never Tell a Car Dealer
Are you trying to get the best price on your next car? If so, you are in the right place. Because today I’m sharing 5 things you should NEVER tell a car dealer during negotiations if you want to get…
5 Millionaire Habits that Will Make You Rich
Did you know 93% of millionaires say they were not gifted their wealth? Well, where did all that money come from then? To put it simply, habits. But not just any habits. And in this article, I’m going to share…
Car Dealer Fees & Add-Ons Exposed! Are Any Legit?
Buying a car can be both stressful and expensive. Especially, when you consider dealer fees and add-ons that can quickly turn a $25,000 car into a $35,000 nightmare. The good news? Many of these costs aren’t necessary and are often…
How to Buy a Car for Less Money Part 2
Worried about getting swindled and embarrassed at your local car dealership? You’re definitely not alone; we’ve all been there. With knowledge comes power, and in this article, I’m going to share with you 5 insider tips to help you save…
How to Start Your Business LLC
Stop! Hold on before you form that LLC! There are some crucial things you need to get right to avoid errors that can cost you thousands, or even millions, of dollars when setting up your LLC. In my 25 years…
Transforming a Life: The Impact of a Dedicated CPA
Do you think a CPA has the ability to transform your life and your family’s ? I mean, let’s be real. Most people believe that CPAs just count numbers and file tax returns? Before you respond, let me share an…
7 Common Bad Money Habits that Keep You Poor
Today, we’re diving into a critical topic that affects so many of us: bad money habits. Over the last 25 years, while consulting with clients from all walks of life, I have learned a lot about myself and my clients’…
Middle Class Habits Keeping You in the Rat Race
I’ve spent over 25 years in the world of finance as a accountant and licensed CPA, working with middle-income individuals, and many high income earners. And through the years, I’ve identified the mistakes people consistently make in their day-to-day lives…
Most Important 2024 Tax Change for the Middle Aged
Attention savvy taxpayers! If you’re part of Generation X or age 50 or above, buckle up because we’ve got some exciting updates on the 2024 tax law changes tailored just for you. Now, these tax modifications have the potential to…
What the New 2024 IRS Adjusted Tax Brackets Mean for You
Inflation has been soaring and your money can not buy what it used to, but take heart Americans the IRS has taken notice. In response to high inflation, the IRS has recently adjusted all of the income tax brackets for…
Owe a Huge Tax Bill as a Business Owner? Here’s What to Do Next
If you’re a business owner who just had your taxes calculated and your breath stopped when you saw how much you owe, you’re not alone. This guide walks through what you didn’t do last year, what you can still do…
Why Keeping Too Much Money in the Bank Is a Financial Mistake
Most people believe the bank is the safest place to keep their money. While banks may feel secure, keeping excess money in the bank is often one of the worst places for it to sit. In this guide, we’ll walk…
How to Pass Your Home to Your Children and Avoid Capital Gains Taxes
Many homeowners want to leave their home to their children, yet few realize that how they do it can mean the difference between a smooth transfer or tens of thousands of dollars lost to taxes. This guide explains how to…
2026 Tax Brackets Explained – How They Really Work & How to Save Money
2026 is coming up real fast, and the tax brackets are going to change. In this post, we’ll walk through: How these new brackets affect you How tax brackets actually work (most people misunderstand them big time!) What you can…
How to Avoid Capital Gains When Passing Your Home to Your Children
Are you trying to pass down your home to your kids? In this post, we’ll walk through how to avoid capital gains once your children inherit your house, what to do, what not to do, and how this gets done…
HSAs in 2026 – What’s Changing and Why It Matters
HSAs in 2026 are going to be changing with higher limits and now, even more health plans will be available to qualify. The 2026 tax changes will allow a lot more Americans to take advantage of the triple tax benefit…
Boxable Houses: The Investment that Reduce Taxes IMMEDIATELY!
Did you make a lot of money this year either through W-2 income or business income? Are you looking to significantly lower you tax bill? If so, you are in the right place. Today we are discussing a great tax…
5 Profit Killers Destroying Your Business
Mistakes often kill your profit. Today, I want to discuss with you the five things you need to examine carefully so you can protect, and improve your profit. 1. The Subscription Sneak Attack We all fall for this (CPAs included):…
What To Do Before the 2026 Tax Season
The 2026 Tax season might feel far away, but getting organized now can save you serious stress, and money. Today we are discussing five essential steps you should take before the 2026 tax season so you can file smoothly, avoid…
5 Things You Should Do Before Starting Your Own Business
After more than 25 years in business, I’ve watched countless small companies rise and fall. Often businesses fail because the repeat the same exact mistakes that everyone else is making. If you’re thinking about starting your own business, there are…
The Wealth Killer Nobody Talks About…
How Car Payments Keep You Poor, and What To Do Instead Remember about three months ago when you bought that shiny new car? It looked incredible, smelled amazing, and felt like the perfect upgrade. Fast-forward a few months later, and…
5 Money Habits Keeping YOU Poor!
What’s keeping so many Americans broke? Believe it or not, it often comes down to a handful of habits repeated week after week. It’s that simple. It doesn’t matter if you are a CPA or not; we all have to…
5 BIGGEST Mistakes Real Estate Investors Make!
Real estate can be a powerful investment or a financial disaster if you don’t know what you’re doing. What looked like a great deal 20 years ago in a certain neighborhood might now be a total mess. Let’s walk through…
Avoid These 5 Mistakes When Starting A Business
As a business owner, I’ve seen so many people make basic mistakes when starting out. These mistakes could easily be avoided, saving a lot of trouble down the road if they just start the right way from the beginning. So…
5 Big Beautiful Bill Tax Changes That Can Impact YOU!
The Big Beautiful Bill…interesting name for a tax bill, right? I’ve researched the five most talked-about topics concerning this bill. Today I am going to cover these top 5 topics hot topics from my perspective as a CPA. 1. No…
How to Fix Your Personal Tax Return! Step by Step Guide
Amending your personal income tax return may seem overwhelming, but it’s a manageable process when you break it down step by step. In this guide, I’ll walk you through how to correct your return using IRS Form 1040-X. Step 1:…
How to Do Bookkeeping Manually (Without Software!)
Requirements to Get Started with Bookkeeping Manually So, to get started with Bookkeeping Manually (without software), we have just two requirements. They are: #1 – First, you must have a bank account that is used exclusively for business income and…
How To Calculate The Mileage Tax Deduction!
Understanding the Mileage Deduction That Can Make a Big Difference on Your Tax Return Do you know how to calculate the mileage deduction that will make that big break on your tax return? In this blog post, I am going…
How to Calculate the Home Office Deduction!
Today we are going to dive into a very popular topic amongst those who work at home. It’s How to Calculate the Home Office Deduction. Many of my clients had lots of issues with calculating this deduction this past tax…
How to Sell Your Home Tax Free
If you lived in your home two years out of the last five years, Section 121 allow you to exempt $250,00 for single individuals and a whopping $500,00 if you are married on capital gains when you sell your home….