For realtors, agents, and independent professionals who are done overpaying the IRS. I set up your business the right way — the right entity, real payroll when it pays off, and a bookkeeping system that catches every deduction you've earned.
Here's the truth: the biggest tax savings for a 1099 professional come from structure, not software — the right entity, payroll done properly, and books that capture deductions all year instead of in an April panic.
Structure
Sole proprietor, LLC, or LLC taxed as an S-corp — each has real tax consequences. I walk you through which one fits your income and goals, and handle the formation paperwork start to finish.
Payroll
When an S-corp makes sense, the salary side has to be defensible. I set up real payroll with a reasonable salary, handle the filings, and keep you compliant — so the savings stand up to scrutiny.
Bookkeeping
QuickBooks Online set up for a 1099 professional: mileage, home office, marketing, licensure, continued education, health costs — categorized monthly, not reconstructed in April.
Rhythm
Estimated payments sized to your actual income, a mid-year check-in, and a year-end review so you're never surprised — and never paying penalties for "later."
Tax strategy is coordinated with your CPA or tax preparer. I build the clean books and structure that make their job easier — and your bill smaller.
Before Coastal Trust, I spent years as a commercial lender underwriting loans and analyzing small-business financials. I've seen what happens when a hardworking independent professional runs a real business out of a personal checking account — they overpay taxes and get denied credit when it matters.
The 1099 math
A sole proprietor with $90,000 in net income owes roughly $6,900 in self-employment tax alone before a dollar of income tax. A properly elected and administered S-corp can cut a meaningful slice of that — but only with a defensible salary and clean payroll behind it. That's the work.
Step 1
We look at your income, your current setup, and where the money is leaking. You leave with a clear picture — whether we work together or not.
Step 2
Entity decision and formation (if needed), EIN, business banking, payroll setup if applicable, and a clean QuickBooks Online built for your profession.
Step 3
Books kept current, deductions captured as they happen, quarterly estimates sized right, and a year-end review. You sell; the business side runs itself.
Your first conversation is free — a real 30 minutes with a real person (me). No call center, no 47-question form. Just bring your best estimate of last year's income and we'll find the leaks.
Pick a time that works for you.