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By the time you file, you can no longer change the tax on a December bonus or an August property sale.
Dimov Tax provides tax planning services for individuals, families and owners who want the projected number while the decision is still open. Our CPAs run the projection, and a CFP works with you on the cash flow, retirement and investment side.
Start with one question or a full trial return. We agree the scope before we start.
One appointment to review a choice, explain the tax mechanics and decide whether you need a calculation.
We run a trial federal and state return in professional tax software, compare scenarios and set the tax reserve for each.
We review your payroll withholding, give you the W-4 change to hand your employer and set quarterly estimated taxes for income with no withholding.
A CFP takes the tax result into your cash needs, retirement timing and account choices.
We test a bonus, equity compensation, self-employment income, crypto trades, a move, a property or investment sale or a retirement decision before it happens.
When filing is part of the engagement, we swap the assumptions for the actual documents and carry the planning file into the Form 1040 return.
A $100,000 bonus for a household already in the 35% federal bracket. We assume the full bonus is taxed at 35% and leave state tax out. 2026 rates.
| Item | Amount |
|---|---|
| Bonus paid in December | $100,000 |
| Federal tax payroll withholds at the 22% supplemental rate | $22,000 |
| Federal tax due at the 35% bracket | $35,000 |
| Shortfall to cover by estimate or extra withholding | $13,000 |
You send the baseline. The prior return, current pay, business or investment income, your state, the events ahead and your goals. Existing clients skip to what changed.
We model the scenarios. A specialist enters the assumptions, projects the federal and state result for each timing or amount you want tested, and marks which inputs are facts and which are estimates.
You get the actions. A tax reserve, the W-4 change, a quarterly payment schedule and the records to keep, each tied to the scenario you picked.
We update the model. When your income or plans change, we rerun the projection and reissue the actions.
Year round tax planning is a loop. We start from where you stand on tax today, project the next decision, act on it, check the projection against the actual result and start again.
Our tax strategy services include a CFP, who acts as a fiduciary when giving financial advice and works through investment allocation with you alongside the tax projection. We scope investment implementation and ongoing management separately.
You start the loop again after a bonus, a new job, a business change, a move, a sale, a family event or a change in goals.
The year round tax planning loop
Prior return • income changes • goals and constraints
Trial return • federal and state scenarios • tax reserve
W-4 change • estimated payments • timing decisions
Compare actual results • update assumptions • carry into filing
Send the decision and the date you need to act by, and we come back with the projected tax each way.
Each person that reaches out to us gets a custom quote and a custom proposal for their exact tax situation.
We were impressed with their ability to look at our overall financial and tax needs from several different angles.
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Free estimate before any work starts
Proactive tax planning is for a household with a decision to make before filing season and more than one income source changing in the same year.
Bonuses, equity compensation, spouse income and payroll withholding go on one return, so our high income tax planning shows the combined number before year end, while you can still act.
Variable profit, K-1s, draws and more than one entity change both cash flow and the quarterly payments, so we update the projection through the year.
A job change, a move within the US or abroad, a property sale, a retirement decision, an inheritance or a charitable gift can affect more than one tax year, so we model the event and the financial choices around it.
We set the quote from these factors:
One consultation on one question is at the light end. These are the factors, not a quote.
Send the question, the latest numbers and the date you need to act by, and we tell you whether it takes a consultation, a projection, a withholding review, an estimated payment plan or filing support.
These are general rules and are not advice on your situation. No tax outcome is guaranteed, and the projection changes when the facts change, so speak to a CPA before you act.
