Entity structure, compensation design, PTE elections, and retirement strategy — the decisions that set your tax bill long before filing season.
Most tax bills are decided before December 31 — the return in April just reports the score. Tax planning at Geppert CPA is a year-round engagement: entity structure, compensation design, retirement contributions, estimated payments, and the timing decisions that quietly move five figures.
Entity structure & S corporation planning. For profitable owner-operated businesses, the S corp election plus a defensible reasonable-compensation analysis remains one of the highest-return moves in the code — and one of the most commonly botched. This is a core specialty, particularly for independent physicians and high-earning professionals. Getting started? See business formation.
Pass-through entity (PTE) elections. Maryland's PTE tax election can convert capped state-and-local deductions into fully deductible business taxes for the right owners — real money for six-figure earners in high-tax states.
Retirement plan design. Solo 401(k), SEP, cash balance — chosen by the numbers, funded on schedule.
Estimated payments & safe harbors. No April surprises, no penalty leakage, no interest-free loans to the government larger than necessary.
Planning clients typically combine an annual strategy session, quarterly check-ins tied to estimated payment dates, and unlimited quick questions — because a five-minute call before a decision beats a five-hour cleanup after it. Planning pairs naturally with return preparation so strategy and compliance never drift apart.
Bring last year's return to a planning session — if we can't find meaningful savings, we'll say so.