Tax planning happens before December.

What does tax planning actually look like for an Indiana small business?

Quarterly: a 30–45 minute call reviewing YTD numbers, projecting the rest of the year, and adjusting estimated payments. Year-end: a deeper review covering bonus depreciation, section 179, retirement funding, owner comp, and any one-time moves. The plan is written down so we can defend it later.

It's not magic — it's just doing the modeling before the year ends, which most accountants don't because they're heads-down in compliance work. Our model is the opposite: planning is the product, compliance is the deliverable.

How much does tax planning save?

It depends on profit, entity, and complexity, but typical savings for a profitable Indiana S-corp owner are $5k–$25k+ per year vs. doing the return alone. The savings compound over time — once retirement plans and entity structures are set, every year benefits.

We won't promise specific savings without modeling your situation. The free scoping call gives you a directional answer.

What about Indiana-specific tax planning moves?

Indiana's flat 2.9% state rate makes some federal moves more or less valuable than they'd be elsewhere. Indiana also has the College Choice 529 deduction ($1,500 single / $3,000 joint), specific add-backs for federal bonus depreciation, and unique sales tax positions. Plans we build account for these — generic national planning often misses them.

Is this only for high-income businesses?

No. Planning has a floor — somewhere around $150k household income or $200k business profit, the math starts to pay off. Below that, we still help with return preparation, but quarterly planning fees may not be justified by savings. We'll tell you straight.