Sandra Fabregas-Ruiz EA

Sandra Fabregas-Ruiz EA More than 18 years of experience on tax preparation. Available all year.

09/06/2026

📚 It's Read a Book Day — and honestly, it might be the most underrated holiday on the calendar.

No decorations required. No awkward family dynamics. Just you, a good book, and the rare permission to sit still and actually think.

As a tax strategist, I spend a lot of time reading things most people would rather avoid — tax code, IRS notices, regulatory updates. But there's something powerful about choosing what you read. Because knowledge, no matter the topic, is always an asset.

So here's a little gift guide for the reader in your life (or yourself — no judgment):

📖 **For the financially curious:** "The Psychology of Money" by Morgan Housel. Short chapters. Big ideas. It will change how you think about wealth — without making you feel like you need a finance degree.

📖 **For the small business owner:** "Profit First" by Mike Michalowicz. If you've ever wondered where your revenue goes, this book answers that question in a way that's actually painful and helpful at the same time.

📖 **For the person who "hates taxes":** Pick up anything that explains how the tax code actually works — because I promise you, the people who understand it pay less. That's not an opinion. That's math.

📖 **For pure joy:** Whatever genre makes you lose track of time. Because a rested, inspired mind makes better financial decisions too. I said what I said. 😄

Knowledge compounds — just like interest. The earlier you start, the better the return.

And if one of the books on your list this year is "finally getting my taxes under control" — well, that's not a book. That's a conversation. Reach out to Lighthouse Financial Group USA and let's open that chapter together.

Most people think of their tax professional the way they think of an umbrella — only useful when it's raining. ☔But here...
08/25/2026

Most people think of their tax professional the way they think of an umbrella — only useful when it's raining. ☔

But here's the thing: by the time the storm hits, it's usually too late to *prepare* for it.

Picture this. Someone walks into my office every April in full panic mode. Scrambling for receipts. Surprised by what they owe. Wondering why nobody warned them. And the honest answer? Because nobody was watching year-round.

A lighthouse doesn't wait for a shipwreck to turn its light on. It's not a crisis response system. It's a *constant* — running every single night, calm seas or rough ones, because that's when the guidance actually matters.

That's exactly how we operate at Lighthouse Financial Group USA.

Not just March-and-April people. Not just "call us when the IRS sends a letter" people. Year-round tax strategy means we catch the things in June that would have hurt you in April. We spot the opportunity in October that puts money back in your pocket before December closes the door.

Steady. Consistent. Always on.

Because the best tax outcome you'll ever have won't come from scrambling — it'll come from planning. And planning doesn't happen in a panic. It happens in a conversation, long before the deadline shows up at your door.

Ready for year-round guidance that actually works *for* you? Reach out to Lighthouse Financial Group USA and let's start that conversation. 🏠💡

Sounds like philosophy. But in the tax world? It's just Tuesday. 🧾Let me explain.Imagine someone sitting across from me,...
08/10/2026

Sounds like philosophy. But in the tax world? It's just Tuesday. 🧾

Let me explain.

Imagine someone sitting across from me, sliding over a stack of bank statements and receipts. They're confident. "I have everything," they say. "My deductions are solid."

We start reviewing.

That "business lunch" at a steakhouse — attended only by family members? Not a business deduction, even though it *looks* like one.

That home office they've been using exclusively and regularly for client work for three years? Absolutely deductible — but they never claimed it because it *didn't feel* legitimate.

Things are what they are — not what they *appear* to be.
And they are not what they are not — no matter how much we *want* them to qualify.

This is exactly where people either save thousands or lose thousands. Not because of complicated law — but because of assumptions. Claiming what doesn't qualify. Ignoring what does. Both directions cost you money.

The tax code isn't interested in what feels right. It's interested in what *is* right, properly documented, and correctly filed.

That's not philosophy. That's strategy.

At Lighthouse Financial Group USA, this is the conversation we have before the filing — not after the audit.

📍 Come visit us or reach out today. Your return deserves a second set of expert eyes.

08/10/2026

Here's something that sounds like philosophy — but in taxes, it's just Tuesday.

"Things are what they are not, and they are not what they are not."

Stick with me for a second. 🧠

Imagine someone sitting across from me, convinced their hobby was a business. Three years of losses. Deductions claimed. Zero IRS scrutiny... until there was.

Because here's the thing — calling something a "business" doesn't make it one in the eyes of the IRS. And NOT calling something income doesn't make it disappear either.

The IRS doesn't care what you call it. They care what it IS.

That side gig you casually Venmo'd for? Income.
That "gift" from a client? Possibly income.
That "business trip" that was mostly vacation? Probably NOT fully deductible.

And on the flip side — there are real deductions, real strategies, real structures that people leave on the table every single year because they assume they don't qualify. They ARE there. But people act like they're not.

This is exactly where working with an Enrolled Agent changes the game. We don't just file what you hand us. We look at what things actually ARE — and what they legally don't have to be.

Words matter. But IRS definitions matter more.

📍 Ready to get clear on where you actually stand? Contact Lighthouse Financial Group USA and let's talk about what's real — and what's costing you.

08/09/2026

Philosophers have a phrase that tax professionals secretly live by: *pour soi* versus *en soi* — "for itself" versus "in itself."

Bear with me for a second. 🧠

In philosophy, a thing that exists *in itself* just... exists. A rock. A table. It has no awareness of what it is or what it could become.

A thing that exists *for itself* is conscious. It reflects. It chooses. It acts with intention.

Now picture someone sitting across from me at my desk. They hand me their tax return from last year — prepared somewhere else, filed, done. And I ask them: "Did you review this before you signed it?"

Silence.

That return existed *in itself.* Numbers on a page. A document that technically fulfilled a legal obligation. But was it working *for* them? Was it reflecting their actual situation — their deductions, their strategy, their future?

Most people file taxes the way a rock sits on the ground. It's there. It counts. Nobody questions it.

But here's the thing — the IRS doesn't care about your intentions. It only sees what's on paper. Which means the difference between a return that exists *in itself* and one that works *for itself* can be thousands of dollars. Real ones.

Tax strategy isn't just about compliance. It's about awareness. Intention. Seeing the whole picture — not just what happened last year, but what can be structured better going forward.

That's what we do at Lighthouse Financial Group USA. We don't just file. We think. We plan. We make your tax situation work *for you* — not just exist on paper.

Ready to go from *in itself* to *for itself*?

📍 Visit us or reach out to Lighthouse Financial Group USA. Let's make your numbers work with intention.

The IRS just quietly handed business owners a little extra money — and most people don't even know it yet. 🚗Picture this...
08/07/2026

The IRS just quietly handed business owners a little extra money — and most people don't even know it yet. 🚗

Picture this: someone sits down across from me in July, hands me their mileage log, and says, "I drove about 18,000 miles for business this year." Half of those miles happened before July 1st. Half happened after. Sounds simple, right?

Here's the thing — it's NOT the same rate for all 18,000 miles anymore.

Effective July 1, 2025, the IRS increased the standard business mileage rate from 72.5¢ to 76¢ per mile. That's a 3.5-cent jump mid-year. For our driver with 9,000 miles in each half of the year, that's a difference of $315 in additional deductions — just from knowing the rate changed and tracking it correctly.

Now multiply that across a fleet. Or a sales rep logging 30,000+ miles a year. Suddenly "a few cents" becomes a very real conversation about money left on the table.

The IRS doesn't send you a reminder. They don't tap you on the shoulder and say, "Hey, update your log." They just post it — and move on.

This is exactly why mileage tracking isn't just an accounting chore. It's a tax strategy. And mid-year rate changes mean your records need to reflect TWO separate periods: January 1–June 30 at 72.5¢, and July 1–December 31 at 76¢.

If you're using a flat rate all year, you're either under-deducting or creating an error. Neither is a good look.

If you have a vehicle you use for business — even partially — this update affects your 2026 return. Let's make sure you're capturing every cent.

Book a consultation with me and let's review your vehicle expense strategy before the year gets away from us.

Picture this: two coworkers arguing at lunch about taxes. One of them just hit $100,000 in income for the first time. Th...
08/07/2026

Picture this: two coworkers arguing at lunch about taxes. One of them just hit $100,000 in income for the first time. The other one says, "Congrats — the government's about to take 22% of ALL of it."

And that second person is wrong. Confidently, loudly, completely wrong. 😅

Here's what actually happens — and why it matters:

The U.S. tax system is built on **marginal tax brackets**. That means different portions of your income are taxed at different rates. Not the whole thing at the top rate. Think of it like a staircase — each step only taxes the dollars that land on that step.

For a single filer, it works something like this:

✅ The first ~$11,600? Taxed at 10%
✅ The next chunk up to ~$47,150? Taxed at 12%
✅ The portion after that up to ~$100,525? Taxed at 22%

So if you earn $100,000, only the dollars sitting on that top step get taxed at 22%. The dollars below? They're still being taxed at 10% and 12%.

Your **effective tax rate** — what you actually pay on average — ends up being significantly lower than your top bracket rate.

This is one of the most common tax myths I hear. And honestly? It costs people peace of mind, and sometimes real money — because misunderstanding how taxes work leads to bad decisions about raises, side income, and retirement contributions.

Knowing how the system works isn't just trivia. It's the foundation of every smart tax strategy.

If you've been making financial decisions based on the wrong picture of how taxes work, let's fix that. Book a consultation with me at Lighthouse Financial Group — and let's make sure your strategy is built on facts, not lunch table myths.

Setting up payroll for the first time feels exciting. You're growing. You're hiring. You're building something real. 💼Bu...
08/06/2026

Setting up payroll for the first time feels exciting. You're growing. You're hiring. You're building something real. 💼

But picture this situation: a business owner sits across from me, three months into running payroll on their own. They set up the accounts, started cutting checks, and felt great about it — until the notices started arriving. Federal deposits missed. State filings incomplete. Penalties stacking up quietly in the background like a tab nobody was watching.

Here's the thing nobody tells you when you click "activate payroll" on whatever platform you're using: the software doesn't carry the legal responsibility. YOU do.

When you commit to a payroll setup, you're also committing to a set of obligations that don't pause when business gets busy:

📌 Federal payroll taxes (941 deposits) — due on a schedule based on your deposit liability, not your convenience
📌 FUTA (940) — annual federal unemployment tax, often misunderstood or skipped
📌 State income tax withholding — varies by state, sometimes by county
📌 State unemployment insurance (SUI) — separate registration, separate filing, separate deadlines
📌 W-2s and 1099s — because year-end comes faster than you think

Imagine someone who thought quarterly meant "whenever the quarter feels done." It doesn't. The IRS has a very different definition — and a penalty rate to match.

Before you flip the switch on payroll, know what you're stepping into. Not to scare you — but to protect what you're building.

At Lighthouse Financial Group, we walk through this with you before you commit, not after the notices arrive.

📅 Book your consultation today and let's make sure your payroll setup works FOR you — not against you.

Hay momentos en los que un cliente llega a mi oficina y puedo ver el peso en sus ojos antes de que digan una sola palabr...
08/05/2026

Hay momentos en los que un cliente llega a mi oficina y puedo ver el peso en sus ojos antes de que digan una sola palabra. 💙

Imagina a alguien sentado frente a mí... deudas tributarias acumuladas, cartas del IRS sobre el escritorio, sin saber por dónde empezar. Me dicen: *"Sandra, creo que ya no hay salida."*

Y yo les digo lo mismo que mi abuela me enseñó:

**Cuando más oscura está la noche, es porque se acerca la madrugada.**

En el mundo de los impuestos, esa oscuridad tiene nombre. Se llama deuda acumulada, penalidades, intereses, años sin presentar declaraciones. Se siente abrumador. Se siente permanente.

Pero no lo es.

He visto situaciones que parecían sin solución... y encontramos el camino. El IRS tiene programas que muy poca gente conoce — planes de pago, acuerdos de compromiso, alivio de penalidades. No son magia. Son herramientas. Y mi trabajo es saber cuál usar y cuándo.

La madrugada siempre llega. La pregunta es: ¿vas a esperarla solo, o con alguien que conoce el camino?

Si estás pasando por un momento oscuro con el IRS o con tus impuestos, no esperes más. Da el primer paso hoy. 👇

📅 Agenda tu consulta gratuita con Lighthouse Financial Group y encontremos juntos la salida.

06/06/2026

Seriously though, we need to be specific with our words! This is what happens when prompts are vague. Learn from my struggle, and let's get clear on instructions!

Address

11471 W Sample Road Ste. 6
Coral Springs, FL
33065

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Sandra Fabregas-Ruiz EA posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Sandra Fabregas-Ruiz EA:

Shortcuts

Share

Category