A Plus Tax & Accounting LLC

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A Plus Tax & Accounting LLC

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Enrolled Agent · U.S. tax expert for individuals, businesses & the Hebrew-speaking community. IRS representation, entity formation, cross-border tax.

Serving all 50 states via video. We are here to help with your Tax & Accounting needs

We offer comprehensive tax services designed to help you stay compliant with tax regulations

We provide services across the country, as well as internationally, to service-based business owners, real estate investors, and other professional individuals. We will help you navigate complex tax regulations and guide you towards a secure financial future. Our goal is to minimize your tax burden and give you the confidence to focus on growing your business.

10/11/2026

Most IRS collection problems don't start with a levy — they start with a letter someone put in a drawer.

The IRS follows a fairly predictable notice sequence before it can seize wages or bank accounts. Knowing where you are on that ladder tells you how much time — and how many options — you still have.

📬 CP14 — your first balance-due notice. This is the cheapest point to resolve it: pay in full or set up a payment plan (IRC §6159, Form 9465).
📬 CP501 / CP503 — reminders. Meanwhile, failure-to-pay penalties and interest keep adding up (IRC §6651, IRC §6601).
⚠️ CP504 — Notice of Intent to Levy. The IRS can now take your state tax refund (IRC §6331(d)).
🚨 LT11 / Letter 1058 — Final Notice. You generally have 30 days to request a Collection Due Process hearing (IRC §6330, Form 12153). Miss that window and you give up important appeal rights.

The good news: at every step there are still options — installment agreements, penalty abatement, Currently Not Collectible status, or an Offer in Compromise (IRC §7122; IRS Pub. 594). They just get narrower the longer you wait.

If one of these letters is sitting on your counter, send me a DM or book a free consult. As an Enrolled Agent, I can speak with the IRS on your behalf — so you don't have to.

10/07/2026

Planning to raise money for your startup? The entity you pick on day one matters more than most founders realize.

For most small businesses, an LLC is a great fit. Profits pass through to your personal return, you're taxed once, and you may qualify for the qualified business income deduction of up to 20% (IRC §199A). Early-year losses can flow through to offset your other income, too.

But if you're building something to scale with outside investors, a C-Corp often makes more sense:
🔹 Venture funds generally prefer (or require) C-Corp stock
🔹 Profits kept in the company are taxed at a flat 21% (IRC §11)
🔹 Qualified Small Business Stock can let founders exclude up to 100% of the gain on a future sale when the requirements and holding period are met (IRC §1202)

The trade-off? Double taxation. The corporation pays tax on its profits, and shareholders pay again when those profits are distributed as dividends (IRC §301).

I see this often with Israeli founders setting up a US company: the structure chosen in a rush to open a bank account ends up shaping how an exit is taxed years later. Converting down the road is possible, but it can be costly and messy.

There's no one-size-fits-all answer. It depends on your growth plans, your exit strategy, and where you and your investors are based.

Launching or raising soon? Send me a message and let's map out the right structure before you file the paperwork.

10/06/2026

"אני כבר משלם מס בישראל — למה שאשלם שוב לאמריקה?" 🇮🇱🇺🇸
זו אחת השאלות הכי נפוצות שאני מקבל מישראלים שגרים או מרוויחים בשתי המדינות.

התשובה הקצרה: ברוב המקרים לא צריך לשלם פעמיים. אבל ההקלה לא קורה אוטומטית — צריך לדרוש אותה בדוח.

אזרחים אמריקאים ובעלי גרין קארד מדווחים ל-IRS על ההכנסה העולמית שלהם — כולל שכירות מדירה בישראל, ריבית, דיבידנדים או משכורת. כדי למנוע כפל מס יש שני כלים עיקריים:

✅ זיכוי מס זר (IRC §901, Form 1116) — המס ששילמתם בישראל מקוזז מהמס האמריקאי על אותה הכנסה. זיכוי שלא נוצל אפשר להעביר שנה אחת אחורה או עד 10 שנים קדימה (IRC §904(c)).

✅ החרגת הכנסת עבודה מחו״ל (IRC §911, Form 2555) — למי שגר ועובד מחוץ לארה״ב, אפשר להחריג משכורת עד תקרה שנתית (130,000$ לשנת המס 2025).

בנוסף, אמנת המס בין ארה״ב לישראל קובעת כללים לגבי איזו מדינה ממסה איזו הכנסה — במיוחד בפנסיות ובקצבאות.

הבחירה בין הכלים חשובה: לפעמים הזיכוי משתלם יותר, לפעמים ההחרגה — ובחירה לא נכונה יכולה להשפיע על כמה שנים קדימה.

📅 תזכורת: למי שביקש הארכה, המועד האחרון להגשת דוח 2025 הוא 15 באוקטובר.

יש לכם הכנסה מישראל ולא בטוחים שאתם מנצלים את הזיכויים? שלחו לי הודעה ונבדוק יחד בפגישת וידאו קצרה.

10/02/2026

If you pay high state income tax or property tax — hello, fellow New Yorkers 👋 — the SALT deduction is worth a fresh look this year.

For years, your deduction for state and local taxes was capped at $10,000. The 2025 tax law raised that cap to $40,000, and for 2026 it's $40,400 ($20,200 if married filing separately) (IRC §164(b)(7)).

A few things I want you to know before year-end:

🔹 It only helps if you itemize. With the standard deduction at $32,200 for joint filers in 2026, many people still won't itemize — but mortgage interest + property tax + state tax can tip the scales now (IRS Pub. 501, Schedule A).

🔹 High earners get phased down. Once your modified AGI passes $505,000, the cap shrinks by 30 cents for every dollar over — but never below $10,000.

🔹 It's temporary. The higher cap is scheduled to drop back to $10,000 starting in 2030.

🔹 Business owners: your state's pass-through entity tax (PTET) election may still beat the personal SALT deduction (IRS Notice 2020-75).

The planning move? Timing. Bunching property tax payments or a Q4 state estimate into the right year can make a real difference.

Not sure whether itemizing makes sense for you this year? Send me a DM — happy to run the numbers with you.

09/30/2026

📅 Two weeks left: October 15 is the final deadline for anyone who extended their 2025 return.

If you filed an extension back in April (Form 4868), it runs out on October 15 (IRC §6081). For most individual filers there is no second extension — after that date, the failure-to-file penalty starts adding up (IRC §6651), on top of interest on any unpaid balance (IRC §6601).

October 15 is also the final extended due date for your FBAR (FinCEN Form 114) if your foreign accounts together topped $10,000 at any point in 2025 (31 C.F.R. §1010.306(c)). And if you need to file Form 8938 (IRC §6038D), it goes in with your return — same deadline.

🇮🇱 בעברית: למי שביקש הארכה באפריל — ה-15 באוקטובר הוא המועד האחרון להגשת הדוח לשנת 2025. זה גם המועד האחרון להגשת ה-FBAR על חשבונות בנק, חסכונות והשקעות בישראל, אם היתרה המשותפת שלהם עברה 10,000 דולר במהלך השנה. אל תשאירו את זה לרגע האחרון.

Still waiting on documents, or stuck translating Israeli bank statements? Send me a message this week — I work with clients nationwide over video, in English or Hebrew.

שלחו הודעה — נעבור על זה יחד.

#מיסיםבארהב

09/28/2026

🍂 October starts this week — which means there are about three months left to change your 2026 tax bill. After December 31, most of the options disappear.

Here are the moves I walk clients through every fall:

1️⃣ Max out payroll retirement deferrals. 401(k) contributions have to come out of a 2026 paycheck to count for 2026 (IRC §402(g)). If you're behind, bump your election now while there are paychecks left.

2️⃣ Take your required minimum distribution. If you're 73 or older, your RMD must be out by December 31 — missing it triggers an excise tax on the shortfall (IRC §4974).

3️⃣ Review your investment losses. Realized losses offset gains, and up to $3,000 of excess can offset ordinary income (IRC §1211(b)). Mind the 30-day wash-sale window (IRC §1091).

4️⃣ Rethink charitable giving. Starting in 2026, non-itemizers get a limited deduction for cash gifts, while itemizers face a new 0.5%-of-AGI floor (IRC §170). When and how you give matters more this year.

5️⃣ Don't forget January. The Q4 estimated payment is due January 15, 2027 (IRC §6654).

Which of these applies to you depends on your income, your business structure, and your goals. If you'd like a quick year-end review before the calendar runs out, send me a message — I meet with clients in all 50 states by video.

09/25/2026

Some tax questions are easier to answer in the language they were asked in.

Many of my clients sit down with an Israeli pay slip in one hand and a U.S. tax return in the other. A Tofes 106, a pension statement, a bank letter in Hebrew — each one has to be read correctly, converted to dollars (IRC §985), and placed on the right U.S. form, whether that's the foreign tax credit (Form 1116, IRC §901) or an FBAR (FinCEN Form 114).

When your preparer can't read the source document, details get guessed at. As a bilingual Enrolled Agent, I go through it with you — over secure video, from anywhere in the U.S.

Israeli income or accounts on your U.S. return? Send me a message.

— — —

יש שאלות מס שקל יותר לענות עליהן בשפה שבה הן נשאלו.

הרבה מהלקוחות שלי מגיעים עם טופס 106, דוח פנסיה או מכתב מהבנק בעברית — וכל מסמך כזה צריך להיות מתורגם לדולרים ולהיות מדווח בטופס האמריקאי הנכון: זיכוי מס זר (Form 1116), דיווח FBAR (FinCEN Form 114) ועוד.

כשמי שמכין את הדוח לא מבין את המסמך המקורי — פרטים הולכים לאיבוד. כ-Enrolled Agent דובר עברית, אני עובר על המסמכים יחד איתכם, בשיחת וידאו מאובטחת, מכל מקום בארה"ב.

יש לכם הכנסה או חשבונות בישראל? שלחו לי הודעה.

#מיסים

09/23/2026

If you're on extension and can't pay your balance, here's the most important thing I'll tell you this month: file anyway.

The October 15 deadline for extended 2025 returns is about three weeks out, and every year I see people skip filing because they can't write the check. That's backwards.

The failure-to-file penalty runs up to 5% of the unpaid tax per month, capped at 25% (IRC §6651(a)(1)). The failure-to-pay penalty? Just 0.5% per month (IRC §6651(a)(2)). Not filing costs roughly 10x more than not paying.

And once you've filed, you have real options:
✅ Short-term payment plan: up to 180 days to pay in full (IRS Pub. 594)
✅ Long-term installment agreement: generally streamlined if you owe $50,000 or less (Form 9465, IRC §6159)
✅ On an approved plan, the failure-to-pay rate drops to 0.25% per month (IRC §6651(h))
✅ Genuine hardship? Currently Not Collectible status or an Offer in Compromise may fit (Form 656, IRC §7122)

Interest keeps accruing either way (IRC §6601), so paying what you can now still helps.

Owing the IRS is stressful, but it's a solvable problem. Silence is what makes it expensive.

If you're sitting on an extended return and a balance you can't cover, send me a DM. We'll get it filed and set up the right plan, all by video, from anywhere in the US.

— Alad Adar, EA

09/18/2026

One question I get constantly from freelancers and small business owners: "Should I elect S-Corp status for my LLC?"

Here is the honest math behind it.

When you run your business as a default LLC (taxed as a sole proprietorship or partnership), all of your net profit is subject to self-employment tax - 15.3% (IRC §1401). There is no way around that unless you change your tax structure.

An S-Corp election changes the game. Instead of self-employment tax on everything, you pay yourself a reasonable W-2 salary (subject to payroll tax) and take the rest as a distribution, which is NOT subject to self-employment tax (Rev. Rul. 59-221). The IRS does require that salary be "reasonable" for your role and industry (IRC §162(a)(1)) - this is not a loophole to pay yourself $1.

The catch: S-Corp status adds payroll processing, a separate 1120-S return, and more moving parts. That overhead usually is not worth it until your net profit clears roughly $40,000/year. Below that, the tax savings rarely outweigh the added cost and complexity.

There is no one-size-fits-all answer here - it depends on your profit, your industry, and your long-term plans. If you are not sure which side of that line you are on, that is exactly the kind of question I help clients work through, wherever you are in the US.

Drop a comment or send a DM if you want to run your numbers.

09/16/2026

אם יש לכם חשבון בנק, קרן פנסיה, קופת גמל או תיק השקעות בישראל — ואתם אזרחים אמריקאים או בעלי גרין קארד — יש לכם ככל הנראה חובת דיווח שרוב האנשים לא מודעים אליה.

ברגע שהסכום הכולל בכל החשבונות הזרים יחד עולה על 10,000$ בכל שלב במהלך השנה, אתם חייבים להגיש דוח FBAR (FinCEN Form 114) לאוצר האמריקאי. זהו טופס נפרד לגמרי ממס ההכנסה הרגיל, עם מועד הגשה ב-15 באפריל והארכה אוטומטית עד 15 באוקטובר.

מעבר לזה — אם שווי הנכסים הפיננסיים הזרים גבוה יותר (הסף משתנה לפי מצב משפחתי ומקום מגורים), ייתכן שתידרשו גם להגיש Form 8938 תחת חוק FATCA (IRC §6038D).

הקנסות על אי-דיווח יכולים להיות משמעותיים, גם כשלא הייתה שום כוונה להסתיר דבר. הטעות הכי נפוצה שאני נתקל בה: אנשים שחיים בארה״ב כבר שנים, ופשוט לא ידעו שחשבון ״רגיל״ בישראל נחשב חשבון זר לצורך הדיווח.

אם יש לכם חשבונות, קרנות או נכסים פיננסיים מחוץ לארה״ב — כדאי לבדוק את הנושא הזה לפני שהוא הופך לבעיה. אני עוזר ללקוחות בכל רחבי הארץ להסדיר את הדיווח הזה בלי סטרס, בפגישת וידאו קצרה.

שלחו לי הודעה ונבדוק יחד את המצב שלכם.

Address

Flushing
New York, NY
11367

Telephone

+12124704982

Website

http://aplustaxhelp.com/

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