Primera Accounting Services 世一會計

🥐 Good Food, Strong Community! 🥐
At Primera Accounting Services, we don’t just crunch numbers—we care about the community we live and work in. That’s why we’re always proud to stand with local businesses who share the same heart for our neighborhood.
Huge shoutout to our amazing clients at Fat Peach Bakery! Look at this incredible chocolate pastry—pure perfection. Supporting local small businesses is at the core of what we do! ☕✨
Standing Up for Bridgeport 📢
Being a responsible business means speaking up for our neighbors. Both Primera Accounting and Fat Peach Bakery are united against the proposed 24/7 Amtrak Maintenance Facility in Bridgeport.
This project threatens our neighborhood with continuous noise, diesel emissions, heavy traffic, and industrial lighting right in our backyard. Our community deserves answers and protection before any project moves forward.
📍 How you can help:
Stop by our office or visit local partners to pick up a flyer.
Scan the QR code to sign the petition and contact our elected officials!
Tell them: Pause the Amtrak project until Bridgeport gets real answers!
Let‘s protect our local small businesses and keep Bridgeport a clean, vibrant place to live and work. ❤️

Today we want to support our community. We demand to stop the Amtrak to stop building the maintenance facility in Bridgeport Chicago.

Exciting news! Our accountant Philip Wu is publishing his book to teach us how to save taxes. If you’re an Illinois resident, you definitely need that. There is no book in the market to teach you how to avoid taxes with state tax integration. Philip is working hard with the Chinese translation as well.

High Earners Making $200k+ on W-2: Why So Many Tax Gurus Keep Pushing S-Corps (and Why It’s Often a Waste)
You’ve probably seen the YouTube shorts and reels:
“Got any side hustle income? Open an S-Corp RIGHT NOW and slash your self-employment tax by 15.3%!”
The comments are full of “Thanks king,” “Doing this tonight,” and “S-Corp changed my life.”
As an Enrolled Agent in Chicago who works with high-income W-2 earners every single day, I see these videos and just shake my head.
Here’s the reality in 2026: For most people already making $200k–$300k+ on a W-2, opening an S-Corp is usually not the smart move — and in many cases it’s straight-up wasting money and adding headaches.
The Big Reason It Usually Doesn’t Work
The Social Security wage base for 2026 is $184,500.
If your W-2 income is already well above that (which it is for the people watching these videos), you’ve already paid the maximum 12.4% Social Security tax. The only tax still hitting your side income is Medicare (2.9% + the extra 0.9% Additional Medicare if you’re over the income threshold).
An S-Corp only saves you the self-employment tax on the distribution portion of your side profit. But here’s the catch:
You’re required to pay yourself a “reasonable compensation” salary, and that salary is still fully subject to Medicare payroll tax. So you’re not dodging nearly as much as the videos make it sound.
The Real Costs Nobody Talks About in the 60-Second Clips

Payroll processing fees every quarter
Extra tax forms (941, 1120S, K-1s)
Illinois 1.5% Personal Property Replacement Tax (PPRT) that S-Corps have to pay
Higher audit risk because the IRS loves challenging “reasonable compensation” — especially when your main W-2 job already pays you $250k+

I’ve had clients come in excited after watching a video, thinking they’ll save $4,000–$6,000, only to find out the extra accounting and filing costs eat up most (or all) of the benefit — and now they have more paperwork every year.
When Schedule C Is Actually the Better (and Simpler) Choice
If your side hustle profit is in the $30k–$70k range and your main income is already $200k+ W-2:
Just report it on Schedule C (or as a disregarded LLC).
You avoid the full payroll tax burden, skip the extra filings, and don’t have to worry about the IRS second-guessing your salary. The 20% QBI deduction works the same way as long as you materially participate.
S-Corps are a great tool — but only when your side business is bringing in stable profits of roughly $80k+ per year, you have real business activity, and you’re willing to deal with the extra compliance every year.
The Bottom Line
Those tax influencers and some fellow tax pros keep repeating the same “just open an S-Corp” script because it gets clicks and subscribers. They rarely show the full math for high W-2 earners.
Real tax planning for people in your situation is usually much simpler and more effective:

Max out your Solo 401(k) or SEP IRA
Use backdoor Roth IRA contributions
Max your HSA
Look into real estate depreciation if you have rental properties

Don’t let a 60-second video convince you to add complexity and cost for marginal (or zero) savings.
If you’re sitting there wondering whether an S-Corp makes sense for your specific numbers, feel free to reach out. I’ll run the actual math for you — no hype, just real numbers.
20萬W2打工仔開S-Corp？很多稅神又在亂推了
最近YouTube上很多稅務短片都在狂推同一件事：「有side income就快開S-Corp！SE tax直接砍15.3%，一年慳幾萬稅！」
留言區永遠都是一堆人回「感謝大神」「我今晚就去elect」「S-Corp yyds」。
作為一個每天幫$200k+ W2客戶做稅的Enrolled Agent，我每次看到這些片都忍不住搖頭：
兄弟，你們真的以為S-Corp是萬能神器嗎？
先說最現實的一點：
2026年Social Security wage base是$184,500。你W2已經做到$200k、$250k甚至$300k，Social Security 12.4%那部分早就交滿了，只剩下Medicare 2.9%。
這時候你還叫人開S-Corp救什麼稅？
side hustle那筆profit最多只剩下Medicare SE tax（大概2.68%加0.9% Additional Medicare）。
開了S-Corp之後呢？你還是要給自己定一個「reasonable compensation」做W-2工資，這筆錢一樣要交Medicare payroll tax。
真正避到的，其實就只有distribution那部分的稅。
結果為了慳$2,000–$4,000稅，你要另外花$1,500–$3,000的payroll service、Form 941、1120S、K-1，還要交Illinois 1.5% Personal Property Replacement Tax（PPRT），外加增加被audit的風險。
這筆數真的划算嗎？
更別提最常見的雷區——合理人工（reasonable compensation）。
我見過太多客戶看完短片興沖沖跑來問：「Philip，我side hustle profit $50k，人工定$40k得唔得？」
我只能苦笑反問：「你W2人工$280k，IRS會相信你side business只值$40k人工？」
低了等audit，高了又慳不到稅。每年還要花錢請CPA報1120S，真的值得嗎？
其實對大部分$200k+ W2、side hustle profit只有$30k–$70k的人來說，
直接用Schedule C（或者disregarded LLC）就已經夠香了：

不用交full payroll tax
不用額外filing成本
不用煩reasonable compensation
20% QBI deduction一樣有

S-Corp當然是好工具，但它只適合那些side business每年穩定profit $80k以上、有真正生意活動、又願意每年花時間和錢打理文件的人。
不是每一個有side income的人都要衝去開S-Corp。
那些天天在YouTube拍片叫人「快D開S-Corp」的稅神和同行，下次拍片前可不可以先幫客戶計清楚數？
還是繼續做流量，繼續叫大家衝就好了？
高收入打工仔們，別被短片洗腦。
真正有效的做法永遠是：
max Solo 401(k)、backdoor Roth、HSA、real estate depreciation……
而不是盲目跟風開S-Corp，之後每年多交幾千塊會計費和payroll tax，還要擔心audit。

Vertical: Investor Reacts: How High Earners Overpay to the IRS Every Year Vertical: Investor Reacts: How High Earners Overpay to the IRS Every Year

When I received this letter today, I paused for a few seconds.

I simply sat in my office, staring at that sentence:

“Primera Accounting Services has been officially recognized as the BEST of 2026 Bridgeport Award Winner…”

In other words, the 2026 “Best Tax Service” award in the Bridgeport area of Chicago.And there was another line that felt even heavier:

“Earned not by application or nomination, but by the authentic feedback of your own customers.”

In that moment, what came to mind was not the award — but the hardship of the past three years.

When I founded Primera Accounting Services in 2023, I had nothing.

No established team.
No stable client base.
No market position.

Just a desk, a computer, and a great deal of responsibility.In the first year, I answered the phones myself, prepared the tax returns myself, explained official notices myself, and handled clients’ emotions myself.
During the day, I faced clients.
At night, I corrected numbers.

When confronted with difficult clients, I couldn’t walk away.
When misunderstood, I couldn’t show anger.
When treated unfairly, I still had to remain calm.

Some clients only cared about price.
Some only wanted to hear pleasant words.
Some made mistakes — yet expected you to bear all the risk for them.

I learned to set boundaries.
I learned to say no.
I learned to put systems before emotions. It was not easy.

Because every refusal could mean losing a client.
Every time I upheld a standard, someone might call me “too rigid.”

But I knew very clearly: without systems, a firm will slowly be dragged down.
Without principles, professionalism will be diluted.

These past three years, I was not chasing “scaling up.”
I was first making sure I could stand firmly.

The Chicago market is realistic.
Competition is not superficial — it is real, every single day. When others used low prices to attract clients, I chose to raise standards.
When others tried to please the market, I chose to build systems.
When others pursued volume, I chose quality.

This “Best of 2026” recognition is not luck.
It is not fortune.

【世一會計・客戶實話實說】EP04：會計師都要有「好撒瑪利亞人」精神？😇

好多人報稅只求「退多啲」，但你有無諗過，幫你報稅嗰個人係喺度「救」緊你，定係喺度「害」緊你？

喺呢集《客戶實話實說》，Charles 同我分享咗佢嘅真實經歷。Charles 本身收入唔算穩定，交稅壓力好大，覺得好唔平衡。佢搵到我哋之前，可能同好多人一樣，以為減稅就係要「搏命扣減」，但原來咁樣做分分鐘會犧牲咗你將來嘅 Social Security 福利！

Philip 點樣幫 Charles 「拆彈」兼「救命」？
✅ 拒絕胡亂扣減：我哋唔玩數字遊戲，我哋講法理、講長遠利益。
✅ 精準運用 Saver's Credit：利用 Charles 嘅 IRA 供款，配合退休儲蓄抵免，幫佢合法地抵消咗所有聯邦稅！
✅ 轉危為機：原本要白白交畀 IRS 嘅錢，依家變咗入落自己袋嘅退休金。

正如聖經《路加福音》中嘅「好撒瑪利亞人」，當其他人路過視而不見，甚至有人想喺你傷口灑鹽（亂報稅）嘅時候，世一會計選擇停低，用專業為你包紮傷口。

「報稅唔係『講數』，而係專業嘅規劃。」

如果你都覺得報稅報到好唔平衡，或者懷疑上手會計師幫你「漏咗嘢」，即刻睇片，睇下 Charles 點樣合法減稅 44%！

📺 即刻睇片： https://youtu.be/WuIs3Epu0Vo

#世一會計 #芝加哥會計師 #好撒瑪利亞人 #稅務救援 #合法減稅

世一會計客戶實話實說系列第4集-會計師都要有『好撒瑪利亞人』精神?一齊睇Charles點可以減44%的入息稅! 大家好,歡迎收看新一集的4月1日會計客戶實話實說系列。今天我們有機會請到新客戶Charles，他將介紹自己和他的工作。我們將探討如何處理各種會計問題，包括稅務和資產管理，以及如何有效地管理銀行賬戶和負債。期待Charles....

📢 Public Notice｜公告
Extended Business Hours｜延長營業時間

Effective Date: February 20 (2/20)｜生效日期：2 月 20 日

To better serve our clients during tax season, we will be extending our business hours from February 20 through April 15.

為配合報稅季節並更好地服務客戶，本事務所將於 2 月 20 日起至 4 月 15 日止延長營業時間。

Extended Hours｜延長營業時間：

Monday｜星期一: 6:00 PM – 9:00 PM

Thursday｜星期四: 6:00 PM – 9:00 PM

Saturday｜星期六: 10:00 AM – 5:00 PM

Thank you for your continued trust and support.
感謝各位一直以來的信任與支持。

— Primera Accounting Services 世一會計

【IRS 最新消息｜EITC / ACTC 退稅延至 3 月 2 日】

根據 IRS 最新公告，凡涉及低收入補助（EITC）及小孩稅務補助（ACTC） 的報稅個案，即使已成功提交，退稅最快亦需等到 3 月 2 日 才會發放。

👉 不過要留意，退稅能否準時入帳，關鍵唔只係日期，而係報稅本身有冇問題。
一旦文件不齊、資料不一致，或觸發 IRS 身份驗證程序，退稅時間有機會再被延後。

📌 Primera Accounting Services 世一會計 提醒：
• 退稅處理速度，取決於報稅準確度及合規程度
• 愈早完成報稅，愈早排入 IRS 處理隊伍
• 尤其涉及 EITC / ACTC / 自僱收入 / 公司稅，更應及早處理

⏰ 本週報稅預約已接近額滿
本所每日可處理的報稅名額有限，額滿即止，不設臨時插隊。

📩 如需盡快安排 個人稅 / 公司稅 / 有 EITC / ACTC 情況，
請即聯絡 Primera Accounting Services 世一會計 預約報稅。

專業・合規・以退稅效率為先
【IRS Update｜EITC & ACTC Refunds Delayed Until March 2】

According to the latest IRS announcement, tax returns that include the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC) will have refunds released no earlier than March 2, even if the return has already been accepted.

👉 However, the actual refund timing depends not only on the IRS release date, but also on whether the return is accurate, complete, and free of issues.
Returns with missing information, inconsistencies, or identity verification holds may experience additional delays.

📌 Primera Accounting Services Reminder:
• Refund speed depends heavily on accuracy and compliance
• Filing earlier helps you enter the IRS processing queue sooner
• Returns involving EITC, ACTC, self-employment income, or business taxes should be handled as early as possible

⏰ This week’s filing schedule is nearly full
We process a limited number of tax returns per day, and appointments close once capacity is reached.

📩 If you need to file individual or business taxes, especially with EITC or ACTC,
please contact Primera Accounting Services as soon as possible to secure your filing slot.

Professional. Compliant. Focused on refund efficiency.

Reminder, OBBBA allows you have no tips on your income. Need help filing taxes? Contact us at 833-256-9819

在最後一張 1040 關帳之前

Renee Good 的名字，
在新聞裡出現得很快，
也退得很快。

但在制度裡，
名字不會這樣離開。

它會被留在那一年。
留在帳戶上。
留在一張叫做 Final 1040 的表格裡，
靜靜地，等人來面對。

⸻

我是一名 Enrolled Agent（EA），
也是 TPCP、CTRS、NSSA。

很多人以為，
這些身份是用來「幫人慳稅」的。

其實不是。

它們真正派上用場的時候，
往往是在一個家庭
已經很累、很亂、
很不想再聽到數字的那一年。

⸻

當一個人離開，
稅務不會跟著停下來。

它只會溫柔地、
但毫不猶豫地，
把那一年結算完。

哪些收入已經發生，
哪些選擇已經沒有回頭路，
Final 1040 一筆一筆寫清楚。

它不質問，
也不安慰。

⸻

如果那張表格慢了一點，
interest 會慢慢跑起來，
penalties 會悄悄疊上去。

不是因為誰做錯，
而是因為制度
從來只認時間。

這就是 CTRS 存在的地方——
不是在一切還來得及規劃的時候，
而是在利息與罰款已經出現，
仍然需要有人
陪你把事情處理完。

⸻

同一時間，
退休帳戶也會開始發聲。

它不看近況，
只看名字。

如果受益人多年未更新，
分配就會照著舊的文件進行。
收入，會在最不合適的一年出現，
與 Final 1040 疊在一起。

很多家庭，
就是在這一刻，
被迫賣掉一些
本來想慢慢留給將來的資產。

而 capital gain
從來不問你是不是準備好。

⸻

有些資產，
在這時候，
會顯得比較溫柔。

過去的增值，
好像被時間輕輕抹平。

那叫 step-up basis。

它不是運氣，
只是制度的一種安排。
放對位置，
制度會給你空間；
放錯位置，
溫柔就不在了。

⸻

有些家庭，
會想先穩住生活。

於是，
Social Security Administration
所設計的 Survivor Benefit
慢慢浮現。

它確實可能存在，
也確實能撐住一段時間。

但它不是答案，
而是一個時間點。

選擇的先後，
會影響很長的一段人生。

NSSA 的角色，
不是教你「值唔值得領」，
而是提醒你——
有些決定，
一旦開始，
就會陪你走很久。

⸻

而 TPCP，
其實存在於更早之前。

在所有制度
還沒同時啟動之前，
在事情還沒疊成一團之前。

它關心的，
不是技巧，
而是順序。

哪些收入不該同一年出現，
哪些選擇不該在最累的時候作出。

因為一旦 Final 1040 關帳，
很多「本來可以」，
都只剩下回憶。

⸻

Renee Good 的故事，
不屬於任何稅表。

但它提醒我一件很真實的事——

有些年份，
你不是在規劃稅務，
而是在一邊承受生活，
一邊把事情處理好。

真正成熟的稅務規劃，
不是冷冰冰的計算，
而是——
在制度照常運作的時候，
仍然有人替你慢慢收拾。

⸻

如果你讀到這裡，
心裡不是恐懼，
而是一點點安靜，
那你大概明白——
有些準備，
不是為了避開人生，
而是為了在最難的時候，
不用一個人撐