SMB CPA Group — The Information Is Free. The Execution Isn't.
A Note on What We Actually Do

The advice is free.
The execution isn't.

Tax law and planning tactics are in the public domain. Tailored advice, implementation, and monitoring are not and require professional involvement.
01 — The Premise

You can find
the answer
anywhere.

Every tax position is one search away. Cost segregation. §1031 exchanges. S-corp officer compensation. QBID limitations. PTET elections. Reasonable comp studies. Entity conversions. The IRS publishes the rules. Tax bloggers explain them. AI summarizes them. You can read everything ever written about it before lunch.

That is not the problem.

The problem is what happens after you read it. Applying it to a fact pattern that does not match the textbook example. Defending it under examination. Updating it when tax law evolves or when tax agencies, legislators, and courts create new rules and regulations. Coordinating it with three other advisors who each see one corner of the picture. Pointing to someone professionally responsible when a position is challenged. None of that is on the internet.

Six things you
should not DIY.

  • 01
    Implement it correctly the first time.
    Knowing the rule is not the same as applying it to your facts. A misapplied §1031 exchange or a botched S-corp election cannot be undone by reading more articles.
  • 02
    Verify that what you implemented is right.
    A position that feels correct and a position that withstands scrutiny are not the same thing. Someone with technical depth has to sign off, in writing, with reasoning.
  • 03
    Monitor tax law as it changes.
    Congress, Treasury, IRS, US Tax Court, and state agencies issue guidance constantly. A position correctly taken in 2018 may need revision and modeling in 2026. You will not see those updates anywhere, and the interactions can be complex. We have the contextual knowledge and resources to ensure continuity.
  • 04
    Maintain positions over multi-year horizons.
    Tax positions are not one-time events. They require continuity that survives bookkeeper turnover, software changes, legal reform, changes in your business, and entity reorganizations.
  • 05
    Interface with your other advisors.
    Your attorney, banker, financial advisor, insurance broker, and other advisors each dominate their domain. Someone has to translate between them and make sure their decisions do not undo each other's work. We do that.
  • 06
    Stand behind positions when scrutinized.
    When tax agencies open an examination, you need someone professionally responsible for the position taken. A CPA on file. A firm that drafted the tax position memo. A name on the return. Not a screenshot of a forum post or general LLM response.
02 — The Vocabulary

A planning library
of 141 strategies.

§1031 Exchange §1031 Reverse QSBS §1202 §1202 / §1045 Stacking QOZ Deferral QSub Election QBID §199A PTET Election §83(b) Election §475(f) Mark-to-Market Cost Segregation §168(k) Bonus §721 UPREIT Augusta Rule §280A DST 1031 §469 REPS NUA Distribution Mega Backdoor Roth §1244 Stock F-Reorganization §338(h)(10) §453 Installment Sale GRAT IDGT SLAT FLP §2010 Portability §645 Election §663(b) 65-Day §41 R&D Credit §179D Deduction §831(b) Captive Cash Balance Plan DAF Bunching CRT / CLT ISO / NSO Planning §1041 Spousal Transfer §1014 Step-Up Roth Conversion Ladder 10b5-1 Plan
Sampling Above
40 of 141
Active Planning Library

Three levels of engagement.
One firm.

Pick the one that matches the outcome you actually need. Compliance is a transaction. Advisory is a partnership. They are priced and structured differently for a reason.

Level 01 — Baseline
TCO
Tax Compliance Only
Get the return filed accurately. Nothing more.
For taxpayers whose situations are straightforward and whose only need is a defensible, on-time return. The firm prepares, files, and is finished until next year.
Includes
  • Federal and state income tax returns
  • Quarterly estimated tax calculations
  • Reasonable ad-hoc questions
  • Year-end document collection workflow
  • No proactive planning
  • No defense engagement included
Compliance Floor
Level 02 — Strategic
TCSP
Tax Compliance, Strategy, and Planning
Compliance plus deliberate, year-round planning.
For business owners and high-income individuals who want their tax outcome engineered, not just reported. Strategy meetings, projections, and decision support throughout the year.
Everything in TCO, plus
  • Implementation done right the first time
  • Written verification of every material position
  • Active monitoring of legislative change
  • Multi-year position continuity
  • Coordination with attorneys, bankers, and advisors
  • A named CPA accountable on every position
Engineered Outcomes
Level 03 — Bespoke
CSOW
Custom Scope of Work
TCSP plus everything else.
Beyond the CPA seat — when you need trust and estate counsel, audit defense, cost segregation engineering, or Private Letter Rulings. The firm leads the coordination and integrates each specialist's work into your overall tax position.
Everything in TCSP, plus
  • Customized advanced tax mitigation strategy
  • T&E, business, and tax attorney coordination
  • Audit defense and IRS / state representation
  • Cost segregation engineering studies
  • Engineering and feasibility studies
  • Private Letter Ruling (PLR) submissions
Bespoke Engagement
"
Anyone can find the rule.
Almost no one can implement it,
monitor it, defend it, and
coordinate it across
every other advisor in your life.
The Next Step

Decide which
relationship
you actually want.

Most prospective clients arrive thinking they want TCO and discover, after one conversation, that they actually need TCSP or CSOW. The intake call is structured to determine that for you.

Schedule an Intake →
SMB CPA Group, PC
Accountants · Tax Advisors · Consultants