Entrepreneur's CFO
You do not need a company to start. Credit, personal tax filings, and the IRS file stand on their own.
Many people who contact us do not own a business, or own one that is not the problem. The problem is personal. The owner file is three things: personal credit, score and report; personal taxes, filings and anything open with the IRS; and personal finances, the personal financial statement, the one-page picture of what you own and owe that lenders ask for. Unfiled 1040s, a credit file that just cost a mortgage rate, or a notice from the IRS that has been sitting in a drawer. We look at the real file, name the first thing to fix, and do it in an order that actually works. If you later run a company, your finances as the owner are already in order.
Current year done properly, and the unfiled years brought in first if there are any. We read your IRS transcript before we prepare anything so we file what the IRS is actually waiting for.
1040s and tax prepThree bureau review, disputes where they are warranted, and a rebuild plan aimed at the loan or the rate you actually want. No promises about points.
Credit repairThe notice, the balance, and the collections timeline explained in plain language, then a plan. Payment agreements, penalty relief, and, where the facts support it, an offer.
Tax resolutionYour finances as the owner.
Ten questions. Every answer unlocks a layer. Free.
Then we name the first fix.
Thirty minutes on what the check found and what we would do first.
What to fix, in what order, and whether we should work together.
Current year done properly, and the unfiled years brought in first if there are any.
Three bureau review, disputes where they are warranted, and a rebuild plan aimed at a real target.
The notice, the balance, and the collections timeline explained in plain language, then a plan.
No. The personal door is complete on its own. If you own a company and it turns out the company is part of the problem, we will say so. Plenty of clients stay personal only.
Personal tax prep and resolution are quoted after we see the transcript, because the price depends on how many years and what the balances are. Credit repair is quoted with a written plan and a stopping point.
No, and anyone who does is breaking the law. We can tell you what is disputable, what is not, and roughly how long the honest path takes.
Behind on filing, a credit problem, an IRS letter. One line is enough to start.
With a signed Form 8821 we pull your account and wage transcripts. It shows every filed and unfiled year, every balance, and every notice. Most people are surprised, usually in a good direction.
The score in your banking app is not the one a mortgage lender pulls. We look at the real reports, find what is costing you, and tell you what is disputable and what just needs time and a plan.
Unfiled returns before any IRS agreement. Disputes before rebuilding. A rate target before a credit strategy. Doing these in the wrong order wastes months.