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Great question! To provide targeted recommendations, I'd like to understand your business better. Are you a sole proprietor, S-Corp, LLC, or C-Corporation? This structure significantly impacts tax optimization opportunities.

Excellent. Here are my top recommendations: 1. **Salary Optimization**: Consider a W-2 salary of $60-80k to balance self-employment taxes and reasonable compensation requirements. 2. **Quarterly Estimated Taxes**: Set aside 25% of profits ($43,750/year) to avoid penalties and cash flow surprises. 3. **Deduction Audit**: Maximize home office, vehicle, equipment depreciation, and professional development expenses. 4. **Retirement Planning**: Contribute to a Solo 401(k) or SEP-IRA to defer up to $66k annually in 2026. Would you like deeper analysis on any of these strategies?

Perfect. The Solo 401(k) is one of the most tax-efficient retirement vehicles for S-Corps: **2026 Contribution Limits:** - Employee deferral: $23,500 - Employer contribution: Up to 25% of compensation - Total limit: $69,000 (or $76,500 if age 50+) **For your situation** ($60k salary): - Your $23,500 employee deferral - Plus $15,000 employer contribution (25% of $60k) - **Total: $38,500/year tax deduction** This reduces taxable income and builds retirement security. Would you like help calculating your exact contribution capacity?

Here's your 2026 implementation roadmap: **Immediate (This Month):** 1. Choose a Solo 401(k) provider (Fidelity, Schwab, E*TRADE) 2. Complete enrollment and select investments 3. Document the business decision **By December 31:** 1. Make employee deferrals ($23,500) 2. Fund employer contributions ($15,000) **By March 31, 2027:** 1. File IRS Form 5498-SA with your tax return **Next Steps:** Would you like recommendations on Solo 401(k) providers, or shall we discuss tax-efficient investment allocation within the account?