Tax Planning
Built Around
Your Financial Goals
Tax planning is the work that happens before a return is ever filed: entity structure, the timing of income and deductions, owner compensation, retirement contributions, and the credits your business qualifies for. It is forward-looking, while tax preparation reports what already happened. Manay CPA reviews these decisions quarterly for clients with active businesses and investment activity, so the numbers filed in April are the result of choices made on purpose.
- Proactive Tax Planning for Individuals and Businesses
- Year-Round Strategy Across All 50 States
- CPA Licensed Service
Certified for guaranteed quality
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The fastest-growing companies use Manay CPA.
Tax Strategy Over Simple Compliance
For us, tax planning is the highest-value service we provide — because every dollar saved through deliberate planning is a dollar that stays in your business or your personal finances rather than flowing to a tax authority that cannot be asked to return it.
Building a Tax-Reduction Strategy
Tax preparation is backward-looking — it reports what happened. Tax planning is forward-looking — it shapes what will happen. The difference between a business or individual that pays the legal minimum in tax and one that consistently overpays is rarely a difference in income level. It is almost always a difference in whether deliberate, CPA-guided tax planning was applied to the decisions that drove the tax outcome. Without a proactive strategy, you are merely recording a financial history that could have been written more favorably with the right structural adjustments. By shifting the focus from simply reporting history to actively influencing future liabilities, you ensure that every financial move is optimized for maximum tax efficiency.
Manay CPA’s tax planning service covers entity structure optimization, compensation planning for business owners, retirement plan contribution strategies, capital gains timing, real estate investment structuring, depreciation and cost segregation strategy, qualified business income deduction maximization, and every other planning area that applies to your specific financial situation.
We conduct tax planning reviews on a quarterly basis for clients with active businesses and investment activity — ensuring that year-end surprises are identified and addressed early enough to do something about them, and that every mid-year financial decision is evaluated for its tax implications before it is finalized rather than discovered after it is too late.
The High Cost of Reactive Tax Filing
Once your tax year ends, most planning opportunities close permanently. The retirement plan contribution deadline passes. The capital loss harvesting window closes. The entity structure that would have saved self-employment tax was never established. The timing of a large sale was never optimized. Tax preparation can report what happened accurately — it cannot undo decisions that were made without tax guidance. Manay CPA’s proactive tax planning ensures that the decisions made throughout the year reflect your full tax picture, and that every available strategy is implemented before the window to act closes rather than identified as a missed opportunity after the year is over.
Year-Round Tax Strategy, Not Annual Tax Filing
Manay CPA’s tax planning service is delivered throughout the year — with quarterly reviews, proactive advisory on every major financial decision, and year-end planning sessions that ensure your final tax position reflects every strategy available under current law.
From S corporation election timing and retirement plan maximization to real estate depreciation strategy and capital gains planning, we apply every legal tool the tax code provides to reduce your liability.
Our integrated CPA and HR approach means compensation decisions, business structure choices, and benefits design are all evaluated for their tax impact as part of a coordinated plan that addresses your complete financial picture.
File Your Return the Right Way
The U.S. tax code is far more complex than a basic W-2 and standard deduction. Self-employment, rentals, capital gains, and foreign assets each carry unique reporting rules. A single oversight or misclassified item costs you real money—either in overpaid tax or in penalties assessed later.
20+ years of experience in the U.S. market
Two decades of U.S. filing seasons, IRS rule changes and cross-border questions, applied to your business.
7.000+ clients and over $1 billion in total financial transaction management
Across more than 7,000 client engagements we have managed over $1 billion in financial transactions.
CPA-licensed and experienced team
Your engagement is handled and signed off by licensed CPAs with U.S. practice experience.
Services offered in 4 languages
We work with clients in four languages, so you can explain your situation in your own words.
Serving a wide range of industries, including manufacturing, start-ups, retail, e-commerce, and tech
Manufacturing, start-ups, retail, e-commerce and technology are each taxed differently, and we work across all of them.
Serving 50 States
We serve clients in all 50 states and handle the federal and state filings each one requires.
Client success and satisfaction are our top priorities
We are judged on whether your filings are correct, filed on time, and explained to you clearly.
80+ employees across 4 continents
More than 80 people across four continents keep your work moving across time zones.
Secured cloud technologies
Documents are exchanged and stored through secured cloud systems rather than loose email attachments.
Seamless communication with client groups
One team and one shared channel, so nothing is lost between your people and ours.
Table of Contents
Entity Structure Determines Your Tax Burden Before Any Return Is Filed
The legal structure through which you operate your business is the single most consequential tax decision most business owners make — and the one most frequently made without adequate tax analysis.
Whether you operate as a sole proprietor, an S corporation, a C corporation, or a partnership determines your self-employment tax burden, your ability to access retirement plan contributions, your exposure to the qualified business income deduction, and the total tax cost of every dollar you earn. Manay CPA evaluates your current structure and recommends changes when a different structure would materially reduce your tax burden.
Timing Decisions Made During the Year Create or Eliminate Tax Savings
When you recognize income, when you pay expenses, when you sell an asset, and when you contribute to a retirement plan can each dramatically change your tax liability for the year.
Accelerating deductible expenses into the current year, deferring taxable income into the following year, harvesting capital losses to offset capital gains, and timing large asset sales around tax rate thresholds are all strategies that require action before year-end. Manay CPA identifies every timing opportunity available in your situation and advises on implementation before the window to act closes.
Retirement Planning and Deductions Reduce Taxable Income Every Year
Contributions to qualifying retirement plans are among the most powerful tax reduction tools available to business owners and self-employed individuals at any income level.
A SEP-IRA, a SIMPLE IRA, a defined benefit plan, or a 401(k) with employer matching can each shelter a meaningful portion of your annual income from current taxation — reducing your tax bill in the current year while building the retirement assets your future financial security depends on. Manay CPA designs a retirement contribution strategy that maximizes your annual deduction within the limits allowed for your entity type and income level.
Tax Planning With a CPA Near You
Planning conversations work best face to face. We hold them at our Marietta, GA headquarters and our Atlanta, GA office, and by video for clients outside Georgia — the same planners either way.
Frequently Asked Questions
What is tax planning and how is it different from tax preparation?
Tax preparation is the annual process of reporting what happened during the prior tax year — organizing your income, deductions, and credits into the required return and filing it accurately. Tax planning is a proactive, year-round process of making decisions throughout the year that minimize your tax liability before the year ends. Tax preparation cannot undo decisions already made. Tax planning shapes those decisions before they are made, using every legally available strategy to reduce what you owe.
How often does Manay CPA conduct tax planning reviews?
For clients with active business income or investment activity, we conduct tax planning reviews on a quarterly basis — assessing your year-to-date tax position, projecting your year-end liability, and identifying every action that should be taken before the quarter closes. We also conduct a comprehensive year-end planning session before December 31 to implement every remaining strategy available before the current tax year ends and those opportunities close permanently.
Can tax planning reduce my self-employment tax as well as my income tax?
Yes. Self-employment tax — which applies to net self-employment income at a combined rate of 15.3 percent on the first $168,600 and 2.9 percent above that threshold — is one of the largest tax burdens facing self-employed individuals and business owners. Electing S corporation treatment, structuring compensation through a combination of reasonable salary and distributions, and timing income and deductions correctly can all meaningfully reduce self-employment tax liability. Manay CPA models the self-employment tax impact of every structural and compensation recommendation we make.
What tax planning strategies are available for real estate investors?
Real estate investors have access to some of the most powerful tax planning tools in the entire tax code — including depreciation deductions on rental properties, cost segregation studies that accelerate depreciation on specific building components, the Section 1031 like-kind exchange that defers capital gains on the sale of investment property, the qualified business income deduction for rental income in some circumstances, and passive activity loss rules that allow rental losses to offset other income for qualifying taxpayers. Manay CPA develops a comprehensive real estate tax strategy for every investor client based on their portfolio, income level, and long-term investment goals.
How does tax planning work for business owners approaching retirement or a business sale?
A business sale is one of the most significant tax events a business owner will ever experience — and the tax outcome depends entirely on decisions made before the sale, not after it. Entity structure, asset versus stock sale treatment, installment sale elections, qualified small business stock exclusions, and timing of the transaction relative to tax rate changes all affect the total tax cost of the exit. Manay CPA begins business exit tax planning well in advance of any anticipated transaction — typically two to five years before the intended sale — so every available strategy has enough time to be properly implemented.
Do you have other questions?
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