Ellerby Tax Services

If you Missed the last Session, you lost money. The Class was Phenomenal!!!! Thanking all who attended and Blessed with the feedback. Registration online www.ellerby.co

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From now on, I expect nothing but perfection after I've taught you. My actions reflect the principles I preach. Since 1997, I've continued to grow and strive for more. Www.ellerby.co

🛑 Struggling with Tax Debt? There is a Path Forward.
Delinquent taxes can feel insurmountable, but you don't have to face the IRS alone. As a licensed Enrolled Agent, I help Marylanders navigate the IRS Fresh Start Initiative and other relief options.
Whether it’s an Offer in Compromise (settling for less), penalty abatement, or a manageable payment plan, we can find the right solution to get you back on track.
📩 DM me today for a consultation to review your options.

Ellerby Unlimited Financial Services I provide Trusted Tax Preparation, Tax Law Services & Accounting Solutions for Individuals and Small Businesses.

Tax Season Stress? Get Representation from a Maryland Enrolled Agent! 🇺🇸
Did you know not all tax preparers are the same? As a licensed Enrolled Agent (EA), I am authorized by the US Department of the Treasury to represent taxpayers before the IRS. Whether you are dealing with an audit, collections, or just need complex tax planning, I provide year-round expertise in Maryland tax laws.
Don't settle for less than specialized knowledge. Message me to secure your spot for the upcoming season!

Now that the 2025 tax season is over, shifting to a proactive, mid-year strategy can significantly reduce your 2026 tax liability. Key strategies for this period include adjusting withholding, maxing out retirement accounts, harvesting losses, and—if you are a business owner—restructuring for lower taxes.
Here are top tax strategies for individuals and businesses immediately after tax season:
Individual Tax Strategies (Post-Tax Season)

• Adjust W-4 Withholding: If you received a large refund or owed a significant amount, update your W-4 now. The goal is to have $0 refund and $0 owed to maximize monthly cash flow.
• Tax-Loss Harvesting: Even with strong markets, some assets may be down. You can sell these to offset capital gains and up to $3,000 of ordinary income, carrying forward the rest.
• Bunch Deductions & Charitable Giving: With the high standard deduction, consider "bunching" multiple years of charitable donations into one year to itemize, or use a Donor-Advised Fund (DAF) to get the deduction now while deciding where to donate later.
• HSA Optimization: If you have a high-deductible health plan, contribute to a Health Savings Account (HSA). It offers a triple-tax benefit: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses.
• Roth Conversions: If your income is temporarily lower this year, consider converting traditional IRA funds to a Roth IRA to pay lower taxes now and secure tax-free income later.
THE ELLERBY TAX ADVISORY GROUP

Alert The One Big Beautiful Bill Act reshaped 2026 tax planning. Learn 12 strategies to reduce taxes and increase after-tax income for individuals and businesses.

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