STEVENPALMIERI

1040s and tax prep

Personal returns, including the years you skipped. Tax planning for a company lives on the CFO page.

A personal return is not hard. A personal return with unfiled years behind it, a 1099 you forgot, and a substitute return the IRS filed on your behalf is a different job, and it is the job most people bring us. The owner file has three parts. Personal credit, score and report. Personal taxes, filings and anything open with the IRS. Personal finances, the personal financial statement, the one-page picture of what you own and owe that lenders ask for. We start by pulling your transcripts on Form 8821 so we know which years are open and what the IRS already has. Then we file the real returns oldest first and set you up so next year is just a return.

What is included

Transcript review

Every open year, every balance, every notice, before we prepare anything.

Current and prior year returns

Prepared from your documents and the IRS wage transcripts so nothing is missed. Where a licensed signature is required we coordinate it.

Next year set up

Withholding or estimates adjusted so April is not a surprise, and a short document list for the following year.

Book a free strategy session

01

The substitute return

The IRS filed for you using only income, no deductions, and the balance is inflated. Filing the real return replaces it.

02

The missing 1099

A payer reported income you never saw. The transcript shows it, and we account for it before the IRS sends the letter.

03

The fear

Being years behind feels like a cliff. It is usually a few returns and a payment plan, and the first call takes the fear out of it.

1040s

How many years back do I need to file

The transcript tells us which years are open, and we start there. We do not guess a number on this page.

Will filing trigger an audit

Filing a late return is not what triggers audits. Not filing while the IRS holds a substitute return is the bigger risk. Getting current is the safest thing you can do.

Are you a CPA

No. We prepare and coordinate personal returns, and where a licensed preparer's signature is required we work with one. The footer disclaimer is exact.

Tell us which years are behind

Or say you are not sure. That is what the transcript is for.

Pull the transcript. Then file what is actually missing.

Book a free strategy session

📉

The substitute return

The IRS filed for you using only income, no deductions, and the balance is inflated. Filing the real return replaces it.

The missing 1099

A payer reported income you never saw. The transcript shows it, and we account for it before the IRS sends the letter.

The fear

Being years behind feels like a cliff. It is usually a few returns and a payment plan, and the first call takes the fear out of it.

How it starts

Start the Foundation Check

  1. Sign Form 8821

    Ten minutes. It lets us see your account, not act for you.

  2. Transcript read

    We tell you which years are open and what the IRS believes you owe.

  3. File oldest first

    Real returns replace substitute returns and usually lower the balance.