Accounting & Tax Insights

Guidance on accounting, tax strategy, and running a financially healthy business, from our team in Miami.

Armando RamirezSep 20, 20266 min read

Putting Your Kids on Payroll: The Rules That Make It Legitimate

Putting your kids on payroll works, but only with the right entity, age thresholds, and records. Here are the FICA exemptions, documentation, and Roth IRA math.

Armando RamirezSep 14, 20266 min read

Solo 401(k) vs SEP IRA vs Defined Benefit: Choosing the Right Retirement Plan for Business Owners

Solo 401(k) vs SEP IRA vs defined benefit plan: compare 2026 contribution limits, admin burden, and how hiring employees changes the math for business owners.

Featured image for the article "401(k) and IRA Contributions: How They Can Unlock the American Opportunity Credit and the Lifetime Learning Credit"

Armando RamirezSep 2, 20268 min read

401(k) and IRA Contributions: How They Can Unlock the American Opportunity Credit and the Lifetime Learning Credit

Traditional 401(k) and IRA contributions come straight out of the income figure the IRS checks against the education credit cutoffs. Missing the $90,000 single-filer line by $1,500 can cost a $2,000 credit that a $2,000 IRA contribution would have saved.