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Proactive Tax Planning & Strategy — Nationwide

Tax Planning That Actually Reduces What You Owe

Last updated: May 2026 — Information current as of this date

Most people file taxes. We plan them. Year-round tax strategy that legally minimizes your liability — before April, not during it. Serving individuals and businesses in all 50 states.

🏆 Fortune-500 Trained Strategist
🌎 Serving All 50 States
📈 Michelet Financial

What a Real Tax Planning Service Looks Like

Most people think about taxes in April. Our clients think about taxes in January — and every month in between. Proactive tax planning is the difference between paying what the law requires and paying whatever your software defaults to.

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Year-Round Tax Strategy

We don’t just file your return — we build a 12-month tax reduction plan. Timing of income, retirement contributions, deduction stacking, entity structure optimization. Reviewed quarterly so nothing slips through.

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Entity Structure Optimization

LLC, S-Corp, C-Corp — the right structure can save a small business owner $10,000–$40,000 per year. We analyze your situation and show you exactly what each structure costs and saves before you make any changes.

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Tax Mitigation Strategies

Legal, aggressive tax mitigation: accelerated depreciation, Section 179 expensing, cost segregation, opportunity zone investments, defined benefit plan contributions. We use every tool in the code.

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Estimated Tax Planning

Self-employed and business owners face a quarterly reckoning. We calculate your estimated tax payments precisely — no overpaying, no underpaying, no penalties. Cash flow managed around your tax calendar.

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Retirement & Tax Deferral

SEP-IRA, Solo 401(k), Defined Benefit Plans — retirement accounts are the most powerful legal tax reduction tools available. We identify how much you can contribute and structure it for maximum current-year impact.

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Business Owner Exit Planning

Selling your business? The difference between a poorly structured sale and a well-planned one can be seven figures in taxes. We begin exit tax planning years before the transaction to legally minimize capital gains exposure.

What Proactive Tax Planning Is Actually Worth

The IRS won’t tell you what you could have saved. We will. Here are typical outcomes from our tax planning engagements by client type.

$8–40K
Annual savings for S-Corp election on self-employment tax
20–40%
Larger refunds vs. prior preparer for most new clients
3 yrs
How far back we can amend returns to recover overpaid taxes
$66K+
Max solo 401(k) contribution for self-employed in 2024

Tax Reduction Strategies We Use Every Day

These aren’t aggressive schemes — they’re legal strategies written directly into the tax code that most preparers never apply because they’re only looking at what already happened, not what can be structured.

✅ S-Corp Election

If you’re a profitable LLC paying self-employment tax on everything, an S-Corp election likely saves you thousands. We run the exact math for your income level.

✅ Accelerated Depreciation

Bonus depreciation and Section 179 allow you to deduct the full cost of qualifying equipment and property in year one rather than over decades.

✅ Augusta Rule

Rent your home to your business for up to 14 days tax-free. One of the most underused deductions for business owners who host company meetings.

✅ Qualified Business Income Deduction

Pass-through entity owners may deduct up to 20% of qualified business income. Maximizing this deduction requires careful income management — we plan for it year-round.

✅ HSA Stacking

Health Savings Accounts offer a triple tax advantage: deductible contributions, tax-free growth, tax-free withdrawals for medical expenses. We integrate HSA strategy into every health-insurance planning discussion.

✅ Charitable Giving Optimization

Donor-Advised Funds, appreciated stock donations, and bunching strategies let you give the same amount to charity while taking a significantly larger tax deduction.

Our Tax Planning Process

1

Tax Situation Audit

We start with a full review of your last 1–3 tax returns. We identify what you’ve been missing, what structure changes would help, and what the first 90-day plan looks like.

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12-Month Strategy

We build a written tax reduction plan for the current year — income timing, contributions, entity decisions, deduction acceleration. Updated as your situation changes.

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Quarterly Check-Ins

Tax planning is ongoing. We meet quarterly to review your estimated tax position, flag any new opportunities, and adjust the plan before it’s too late to act.

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Filing & Optimization

When tax season arrives, your return is already optimized. No scrambling, no missed deductions, no surprises — just the lowest legal tax liability possible.

Tax Planning — Your Questions Answered

What is tax planning and why does it matter?
Tax planning is the process of legally arranging your finances to minimize your tax liability before the end of the tax year. Unlike tax preparation (which files what already happened), tax planning changes what happens before you file. The IRS estimates that Americans overpay billions annually due to missed deductions and poor structure — tax planning closes that gap.
How much can tax planning actually save me?
It depends entirely on your situation. A W-2 employee with no side income might save $500–$2,000 through better retirement planning and deduction optimization. A self-employed professional or small business owner can typically save $5,000–$50,000+ annually through entity structure, retirement contributions, and proactive strategy. We’ll give you a realistic estimate in your first consultation.
When should I start tax planning?
Yesterday. Most of the best tax planning moves — entity changes, retirement contributions, income timing, asset purchases — must be made before December 31. April is too late for everything except IRA contributions. If you’re reading this in the first half of the year, you have maximum flexibility. We recommend starting no later than September.
Do you only do tax planning for businesses?
No — we work with individuals, W-2 employees with investment income, real estate investors, self-employed professionals, and small businesses. The strategies differ but the philosophy is the same: find every legal dollar you can keep.
What makes you different from H&R Block or tax software?
Most CPAs and all chain preparers focus on compliance — filing accurately what already happened. We focus on tax reduction — changing what happens before you file. Brandt Michelet brings Fortune-500 financial strategy to individual and small business tax clients, applying the same aggressive-but-legal approach that large corporations use to reduce their effective tax rate.
Do you offer virtual tax planning consultations?
Yes — 100% of our work can be done remotely. We serve clients in all 50 states via video call, secure document portal, and e-signature. Location is not a barrier.

Stop Overpaying the IRS

Every year without a tax plan is money left on the table. Book a free consultation and we’ll show you exactly what you’ve been missing.

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