Who it’s for
For people who have never had a CPA plan their taxes: you file your own return, or your preparer only records what already happened. A plan changes what happens next. It’s built for:
- Business owners, freelancers and 1099 earners who file their own return
- Anyone unsure what to pay in quarterly estimates
- Rental property owners
- People with RSUs, bonuses or a big year
- Anyone near retirement weighing a Roth conversion
- Anyone who has ever been surprised by their balance due
The packages
Roth Conversion Plan
For anyone with pre-tax retirement savings, between retirement and RMD age.
Everything in Snapshot, plus a year-by-year Roth conversion schedule to your RMD age, weighed against tax brackets, Medicare IRMAA tiers, Social Security taxation, the senior deduction window that closes after 2028, and the higher single-filer rates if one spouse dies. Includes a 30-minute review call.
Buy Roth Conversion PlanAnnual Retiree Plan
For retirees who want this handled every year.
Every fall: last year’s return reviewed, this year’s projection, your Roth conversion room and IRMAA check, RMD and QCD amounts, and withholding or estimated payments, with reminders. Renews each September; cancel anytime before renewal.
Buy Annual Retiree PlanSnapshot
For W-2 households, investors and retirees.
A 2026 projection, a withholding check, year-end moves (Roth conversion room, gain and loss harvesting, retirement and HSA room, charitable timing) and 2027 estimated payments.
Buy SnapshotOrder by December 10 for delivery by December 22. If the plan isn’t useful, tell us within 14 days for a full refund. If you’d like us to prepare your 2026 return, a Snapshot plan’s price comes off the fee. The Roth Conversion and Annual Retiree plans aren’t credited.
Not sure which fits? Request a call.
Your engagement letter
Please read the disclosure and the letter, then sign by typing your full name.
Consent to sign electronically
Engagement letter
Optional · separate from your signature
Signed. One step left.
Payment is handled by Stripe. Your card details never reach our website.
This plan is already paid for
Thank you. Watch for your Canopy invitation within one business day. Questions? Call 856-335-1910.
How it works
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1
Order and sign. Pay securely, then e-sign a short engagement letter that spells out exactly what’s covered.
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2
Upload. Send last year’s return and a few current-year numbers through a secure upload. The checklist tells you exactly what’s needed.
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3
Review. I go through everything and send at most one list of questions.
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4
Get your plan. About 10 business days after your documents are complete, you’ll have your plan, a dated action list, a one-page memo for your preparer (or your own filing notes), and your 2027 estimated-payment schedule with reminders.
What you get
- Last year’s return, reviewed. Find out what it got wrong: errors, missed deductions and credits, and elections not made.
- The plan. Where your 2026 tax stands and what each move changes.
- Your action list. What to do, by when, and who does it.
- A memo for your return. The elections and positions to take, to hand your preparer or to use yourself if you file your own.
- Estimated-payment reminders before every due date through January 2028.
File it yourself, or keep your preparer
If you file your own return, the memo is your filing notes. If you have a preparer, you don’t have to switch: hand them the memo. If you’d like us to prepare your 2026 return instead, the full price of a Snapshot, Owner or Complex plan comes off the fee when you engage us by February 28, 2027.
Guarantee
If the plan isn’t useful to you, tell me within 14 days of delivery and I’ll refund your fee in full.
About
Ron Federico, CPA, has spent about a decade in public accounting working with business owners, high-net-worth families, and real estate and private equity clients. He founded Federico & Company, CPAs to give people the planning attention usually reserved for large-firm clients, at a flat price.
Your documents are protected
Uploads are encrypted and go only to Ron. Every account requires two-factor sign-in. Your information is never sold, and it’s used only for your engagement and what you consent to in writing.
FAQ
I file my own taxes. Is this for me?
Yes. It’s built for you. You get a CPA’s review of last year’s return, what to do before December 31, what to pay each quarter, and filing notes for your own return.
Do I have to switch preparers?
No. Keep your preparer. The plan is written so your current preparer can use it.
Do you work with clients outside New Jersey?
Yes. Everything is online, and clients anywhere in the US are welcome.
Which package do I need?
Pre-tax retirement savings and a few years of conversions to plan: the Roth Conversion Plan. Want it done every year, with your RMDs and IRMAA checked each fall: the Annual Retiree Plan. Just this year, with no business or rentals: Snapshot. If you pick the wrong one, I’ll tell you before any work starts and refund the difference or the whole fee.
Will this lower my taxes?
Every situation is different, and nobody can promise a result. The plan shows the moves available to you and what each one changes, using your numbers.
Is it too late for this year?
Order by December 10 and you’ll have your plan by December 22, while the year-end moves are still open. After that, the plan covers 2027.
Do you file my return?
Not as part of the plan. You can engage us separately, with a Snapshot, Owner or Complex plan’s full price credited.
What does it cost after delivery?
Nothing. Reminders are included. Optional add-ons: mid-year update $199, extra state $99, a 30-minute call $99.
A tax plan is based on the information you provide and the law in effect on the date it is delivered. It is not a guarantee of any tax result. Implementation and return preparation are the responsibility of the client and their preparer. Federico & Company LLC, doing business as Federico & Company, CPAs.