Here is the offer in one breath. A free 30-minute, line-by-line review of your last tax return with a tax planning specialist. You leave with your three biggest planning gaps, ranked by estimated dollar impact, in writing. Take the list to your CPA. Use it or don't. Some households find five figures. Some find very little, and you will hear that too.
D'Metrid James is a licensed insurance agent, not a CPA, tax attorney, or tax advisor. No tax savings, refund, or specific tax result is guaranteed. Every recommendation is something your own CPA can verify before you act.
It's the second week of April. You open the email from your CPA, scroll past the pleasantries, and find the number you owe. You pay it, because what else do you do? And somewhere between clicking "submit" and closing the laptop, the same question comes back that came back last year: we made more than ever, so why does it feel like we kept less?
That is not a knock on your CPA. Their job is to report last year accurately, and good ones do it well. But the tax code rewards decisions made before December 31st: how income is timed, how a business is structured, how retirement money is set up, when a property or a block of stock is sold. After December 31st, your CPA can only report what already happened.
Tax mitigation planning is a different job. It asks one question on every line of your return: was there a decision here that could have been made differently, legally and on purpose, and is there still time to make it this year?
Most households earning $200,000 or more have the first job covered and have never had anyone do the second. That gap is what the review is built to find.
The review is built for people with enough income, business activity, or retirement savings that the decisions made before December 31st carry real dollars. If one of these reads like your household, it is worth 30 minutes.
Dual income, maybe RSUs or a bonus, a house in a good school district, perhaps one rental. You write a five-figure check every April and assume your CPA has it covered. The review looks at bonus and RSU timing, retirement plan setup, how a rental or a property sale is handled, and state-specific factors.
Your business grew five times. The advice did not. Every quarter the estimate goes out, the operating balance drops in one transfer, and in between the phone never rings. The review looks at entity structure, owner salary and payroll, retirement plan design, equipment timing, and quarterly checkpoints.
You did everything right for 30 years and never missed a 401(k) contribution. Then someone at dinner mentions required minimum distributions and the tax bill that comes with them. The review looks at withdrawal sequencing, Roth conversion questions, Social Security timing, and how beneficiaries are set up.
When you understand the mechanism, you do not have to take anyone's word for the result. Here it is in three steps.
The tax code rewards decisions made before the year ends: how income is timed, how a business is structured, how retirement money is set up. After December 31st, those decisions are locked and can only be reported.
A tax planning specialist goes through your last return line by line and checks it against the levers most high earners are never asked about: entity structure, owner salary, retirement plan design, timing of bonuses, RSUs and property sales, quarterly payment checkpoints, and state factors. Each gap is ranked by estimated dollar impact.
You leave with your top three moves in writing, with the assumptions behind each one. Some households find five figures. Some find very little, and you will hear that plainly. Either way, you hand the list to your CPA to verify before anything changes.
Your CPA filed your last return under the new rules. The question is whether anyone has planned your current year under them.
The federal tax law signed in 2025 changed several things that matter specifically to higher-income households and business owners: how the state and local tax deduction is capped and phased down at higher incomes, new limits on the value of itemized and charitable deductions in the top bracket, how catch-up retirement contributions work for higher earners over 50, and the permanent treatment of the pass-through business deduction. For many households, this is the first full year those changes apply.
None of those is a reason to panic. Each one is a reason to look, because a rule that changed is a rule nobody has planned around yet. How any of them applies to you depends on your income, your filing status, and your state, which is exactly what the review and your CPA are for.
The real deadline is December 31st. Business owners cut their largest estimated payments in the fourth quarter, and bonuses and RSUs vest at year end. The moves that change this year's bill have to happen before then.
Most people scroll to the fine print to find out what a review really is. You should not have to. Here it is up front.
Bring your spouse. The review is built for both of you, and the decisions it touches usually belong to both of you.
Answer a few questions below. It takes about two minutes, and no tax documents are needed to start. D'Metrid reaches out within one business day.
Before the call, you are told exactly what is shared, who sees it, and how it is protected. You upload it through a secure link, never by text or ordinary email.
A tax planning specialist walks your return line by line and explains each gap in plain English. You leave with your top three moves, ranked, in writing.
Hand the list to your CPA. Use it or don't. There is no fee for the review and no obligation at any step.
Tax mitigation planning looks at the whole return. These two reviews go deeper on one piece of it.
A private look at how your payroll and employee benefits are structured, including whether a Section 125 plan could change what each payroll run costs. Written questions for your CPA, no savings amount promised.
Learn About the Business ReviewHow your life insurance, annuities, retirement accounts, and beneficiary designations fit together, and the planning questions that fit creates for your tax professional.
Learn About the Personal ReviewTwo minutes, no documents needed to start. D'Metrid will reach out within one business day to schedule your 30-minute review. No cost, no obligation, and no tax result is promised.