My CPA Pro, PC

My CPA Pro, PC We offer a broad range of services for business owners, executives, and independent professionals. I

Things you can hold in a self-directed IRA: Real estate. Gold*. A loan you made to a business. A piece of a private comp...
09/18/2026

Things you can hold in a self-directed IRA: Real estate. Gold*. A loan you made to a business. A piece of a private company. A data center.

Retirement money, parked somewhere other than the stock market. This is why people get excited about these accounts.

And it is why I spend so much time cleaning up after them.

Here is one that catches almost everybody:

Your Roth has more than one clock running.

Everyone knows about the first. Five years, account opened, done.

Almost nobody knows about the second.

Every single conversion starts its own.

Funded your Roth out of rental income a little at a time over five years? That is five clocks. Not one.

And your account being ten years old covers exactly none of them.

Now the part people get wrong: what those clocks actually cost you if you move the money too early. It is not what you think.

There is also an age where most of this stops mattering. Past it, you can relax. Not past it, you want the number.

Live, September 24, with a specialist who has spent 20+ years on this.

Bring your questions. Link in comments to join!

This is general information, not advice about your account.

*there are rules around the gold, DM me for details.

“Wow! I can do THAT with a self directed IRA?!”The first question is always “what else can it can buy?”People get very e...
09/17/2026

“Wow! I can do THAT with a self directed IRA?!”
The first question is always “what else can it can buy?”

People get very excited about SDIRAS. And they should. These are great tools.

The expensive question to ask is what you can’t do with what you buy with it.

Here are some hints:

You can't:

Live in the property. Not one night. Not if you pay rent. (Whaat???)

Let your spouse, your parents, or your kids use it. 😤

Do the work on it yourself.

There are more squirrelly little rules like this.

None of that costs a penalty on paper.

Instead, it can end the account instead - and the whole balance is taxed at once. And guess what? That’s a lot of tax. It’s something that can sink your financial ship.

Live Q&A, September 24, we are taking questions about this - and I’m bringing in an SDIRA Superman specialist who's done this for 20+ years. Between us, we can get you sorted on your SDIRA questions.

Use this powerful tool RIGHT.

Save your seat - link in the comments.

SDIRA retirementaccounts realestateinvesting alternativeassets taxstrategy taxplanning cpa taxstrategist businessowner smallbusinessowner knowyournumbers wealthbuilding

Do you know why you are set up as an S Corp? I asked the client.She paused. Then said: my CPA set it up years ago. I tru...
08/05/2026

Do you know why you are set up as an S Corp? I asked the client.

She paused. Then said: my CPA set it up years ago. I trust them. I have not really thought about it since.

I asked a business owner this question recently. Seven figures in revenue. Years in business.

Her answer: my CPA suggested it years ago. I trust them. I have not thought about it since.

That answer costs people a lot of money. That’s why I want you to have a little mindshift.

Think of your relationship with your CPA in the same way you think of your relationship with your doctor. The best doctor in the world cannot protect your health if you show up once a year and nod at everything they say.

You have to bring the questions.

So here are some questions.

Here is what you should be able to answer right now:

Why am I in this entity and not a different one?
When did someone last review whether this structure still fits my revenue?
Is my salary as an S Corp owner actually defensible to the IRS?
What changed this year that I have not told my CPA?

If you hesitated, that is your sign. Put some thought into these questions. Figure out what you need to ask your CPA when you meet. Then, meet before fall starts. Tik tok. The year is getting shorter.

Filing your taxes and reviewing your structure are not the same thing. One looks backward. The other could save you thousands.

Link in bio to book a checkup.

S Corp owners: Do you cover health insurance for a spouse, kid, or parent who works in your business?Guess what. The IRS...
07/31/2026

S Corp owners: Do you cover health insurance for a spouse, kid, or parent who works in your business?

Guess what. The IRS considers them a shareholder.

Not because they own stock. Under Section 318, the IRS attributes your ownership to family members on your payroll. Up and down the bloodline. Plus spouse.

That means their health insurance cannot be handled like a regular employee benefit.
It has to run through payroll. On their W-2. They deduct it on their own 1040.

If you get this wrong, you lose two deductions at once:
➤ The corporation's.
➤ And theirs.

Neither gets it back without amending the returns.

This is a snag that gets a lot of S Corp owners. Everything looks fine from the outside. Insurance is paid. Everyone has coverage. The problem shows up at tax time. 😖

If you have family on the payroll and they're covered on your health plan - check the setup.

2022, 2023, and 2024 are still open to amend if something was missed.

Comment FAMILY below and I'll get you on my calendar to talk.

07/25/2026

The short-term rental "loophole" sounds simple: keep your average stay under 7 days and materially participate. But here's where most people get kicked back. First, one long booking can blow your average past 7 days for the year — so you have to control that. Second, for an STR you don't need 750 hours, you need 100 — but those 100 hours have to be more than anyone else's. So if you've got a cleaner going in every 7 days, their hours can beat yours, and you fail that test. Know exactly how you're qualifying before you count on the loophole.

Educational only — book a consult for your specific situation. 📊 Follow for more real estate tax strategy.

If this is how your AI strategy feels right now - I’m going to throw you a liferaft. An AI tax deduction liferaft.Most b...
07/25/2026

If this is how your AI strategy feels right now - I’m going to throw you a liferaft. An AI tax deduction liferaft.

Most business owners I talk to are somewhere between excited and completely tangled when it comes to AI.

They know they should be doing something. They just don't know where to start so they buy a tool, figure it out alone, and end up with more spaghetti.

Here's what I tell my clients:

You need a plan to untangle it.

Bring someone in who can actually show you how AI applies to YOUR business. Stay in the driver's seat as the systems get built. See it through the rollout.

And…get ready to love me more…

𝙏𝙝𝙖𝙩 𝙥𝙡𝙖𝙣 𝙢𝙞𝙜𝙝𝙩 𝙗𝙚 𝙩𝙖𝙭 𝙙𝙚𝙙𝙪𝙘𝙩𝙞𝙗𝙡𝙚.

When you invest in BUILDING custom AI tools or workflows for your business - paying someone to develop and test systems specific to how you operate - those costs may qualify as research and experimentation expenses under Section 174A.

The One Big Beautiful Bill Act restored FULL expensing for those costs in 2025. Deducted in year one. Not spread over five years.

Training costs? STILL deductible - just as a regular business expense.

Done intentionally, most of that investment is deductible.

Buy a subscription and figure it out alone = an expense.

Invest deliberately, untangle it with the right people = a tax strategy.

Comment AI below and I'll tell you what to start tracking right now.

Last week I said I would show you how to set up an Accountable Plan.Here it is.Four steps.One. 𝗕𝗼𝗮𝗿𝗱 𝗿𝗲𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻. Your S-...
07/22/2026

Last week I said I would show you how to set up an Accountable Plan.

Here it is.

Four steps.

One. 𝗕𝗼𝗮𝗿𝗱 𝗿𝗲𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻. Your S-corp adopts the written policy. Even if you are the only shareholder, this has to exist on paper, dated and signed.

Two. 𝗥𝗲𝗶𝗺𝗯𝘂𝗿𝘀𝗲𝗺𝗲𝗻𝘁 𝗳𝗼𝗿𝗺. Every expense submission documents the amount, date, and business purpose. For home office, you do this monthly or quarterly.

Three. 𝗛𝗼𝗺𝗲 𝗼𝗳𝗳𝗶𝗰𝗲 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗶𝗼𝗻. Your office square footage divided by total home square footage. Apply that to mortgage interest or rent, utilities, insurance, repairs. Use the actual expense method. The simplified method caps you.

Four. 𝗧𝗵𝗲 𝗿𝗲𝗶𝗺𝗯𝘂𝗿𝘀𝗲𝗺𝗲𝗻𝘁. The company pays you. No W-2. No F**A. Deductible to the business.

The one rule most people miss: the written plan has to exist before you pay the reimbursement. You cannot backfill it.

This is a one-afternoon setup with your CPA or attorney.

07/19/2026

AI makes logging hours easier than ever. Record a quick voice note on your phone, and let AI create your log. It's your best defense with the IRS.

Raise your hand if you have an S-corp and a home office. Now keep your hand up if you have an Accountable Plan.Most han...
07/17/2026

Raise your hand if you have an S-corp and a home office. Now keep your hand up if you have an Accountable Plan.

Most hands just went down.

When you were a sole proprietor, your home office deduction lived on Schedule C.

The moment you elected S-corp, that deduction changed, and so did some others. You became a W-2 employee of your own company. And as of July 2025, the One Big Beautiful Bill Act made it permanent. 𝗪-𝟮 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀 𝗰𝗮𝗻𝗻𝗼𝘁 𝗱𝗲𝗱𝘂𝗰𝘁 𝘂𝗻𝗿𝗲𝗶𝗺𝗯𝘂𝗿𝘀𝗲𝗱 𝗵𝗼𝗺𝗲 𝗼𝗳𝗳𝗶𝗰𝗲 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗼𝗻 𝘁𝗵𝗲𝗶𝗿 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗿𝗲𝘁𝘂𝗿𝗻𝘀.

So every year, your mortgage interest, utilities, insurance, repairs - all of it sits there, undeducted…𝘂𝗻𝗹𝗲𝘀𝘀 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮𝗻 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗯𝗹𝗲 𝗣𝗹𝗮𝗻.

An Accountable Plan is a written reimbursement policy your corporation adopts. Done correctly, the business reimburses you tax-free. There is no income tax, no F**A, and deducts it as a business expense. (cheering soundtrack!) Your home office deduction comes back through the back door.

The same plan covers your cell phone, home internet, and business mileage (76 cents per mile in 2026)*.

One afternoon. A corporate resolution. Monthly expense reports. A separate reimbursement check. Done.

If you have an S-corp — or an LLC that has elected S-corp status — and you are not sure whether you have one, you probably don't.

Drop a comment or send me a DM. Let's fix it.

*I know some CPAs are going to say, no, it’s 72.5 cents per mile for mileage reimbursement. But it changed July 1. Rare mid-year adjustment. You are welcome.

07/15/2026

Can your non-working spouse "become" a real estate professional and wipe out your W-2 with rental losses? 🏠

Not so fast. It's not just about hours. You have to pass two tests: 750+ hours in real property trades AND more than half of your total personal services in real estate. With one or two rentals, hitting 750 hours is nearly impossible — and if you do, keep a detailed log.

Know the rules before you put it on your return.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰, 𝘯𝘰𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘛𝘢𝘭𝘬 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘊𝘗𝘈.

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