Move from Reactive to Proactive
We help our clients reduce surprises, avoid costly mistakes, and identify savings opportunities before deadlines arrive.
At Zastenchik & Co. CPAs, tax planning isn’t a seasonal task—it’s a year-round process. We design tailored tax strategies that reflect your current goals and your future plans. Whether you’re navigating a major investment, planning for retirement, or trying to reduce your quarterly burden, we’re here to help you stay in control of the numbers.
Individual Advisory Services
Individual Tax – Advisory Plan
Strategic tax and wealth advisory for individuals and families.
Ideal for business owners, real estate investors, and high-net-worth individuals, this year-round plan delivers measurable tax savings and proactive guidance across income, investments, retirement, and estate planning.
Includes:
• Comprehensive tax prep (family returns too)
• Tax projections for life events
• Investment tax strategy & capital gains planning
• Charitable giving & wealth transfer planning
• Ongoing access to your dedicated accountant
Comprehensive Tax Preparation
Professional tax filing with peace of mind built in.
From federal and state returns to dependent filings, we handle every detail—on time and in compliance. If needed, we’ll file extensions on your behalf automatically.
Key Benefits:
• Full return preparation for individuals and families
• Extension filings when documents are delayed
• Reviewed for accuracy, strategy, and compliance
Tax Projections & Scenario Planning
Understand the tax impact before you make a move.
Buying property? Selling investments? Changing income streams? We’ll run real-time projections so you can plan wisely and avoid surprises.
Common scenarios we model:
• Property sales & depreciation
• New business income
• RSUs, bonuses, and K-1 distributions
Investment Tax Strategy
Reduce the tax drag on your portfolio.
We help you apply targeted techniques like tax-loss harvesting and capital gains planning—aligned with your long-term goals.
What we cover:
• Capital gains optimization
• Tax-smart withdrawal planning
• Cross-collaboration with your advisor
Estate & Wealth Transfer Coordination
Plan ahead to protect your legacy.
We work with your attorney to design and implement strategic estate planning, including trusts, gifting, and tax-efficient legacy plans.
What’s included:
• Trust and gifting consultation
• Estate tax optimization
• Integrated planning with legal teams
Retirement Withdrawal Optimization
Make the most of your retirement income.
We’ll help you time and balance withdrawals across IRAs, 401(k)s, and taxable accounts to manage brackets and extend tax savings.
Also includes:
• Roth conversion strategies
• Required Minimum Distributions (RMD) planning
• Social Security & Medicare benefit review
Dedicated Advisor Access
Unlimited communication, year-round.
Your CPA is never more than a call, email, or text away. We don’t bill for questions—and we prioritize client response times.
Support Includes:
• Real-time advice via email, phone, or text
• IRS/NYS notice assistance
• Referral to legal counsel if audit escalates
Is Strategic Tax Planning Right for You?
If any of the following apply, we can help:
- You're tired of scrambling at tax time with no clear plan.
- You want to reduce your tax burden but aren't sure how.
- You're not confident you're paying yourself or your partners the right way.
- Your accountant only talks to you once a year.
- You're planning for retirement, expansion, or a large purchase.
- You want to keep more of what you earn—legally and confidently.
Tax Planning Services That Support Growth
Understand what’s coming—before it hits. No surprises at filing time.
Entity Structure Guidance
Make sure your business is set up for long-term tax efficiency.
Multi-State Tax Considerations
We help you stay compliant and efficient across state lines.
Identify last-minute savings and deductions before it’s too late.
Owner Compensation Planning
Choose the right mix of salary, draws, and retirement contributions.
Personal + Business Strategy Integration
Align your company’s decisions with your personal financial goals.
Frequently Asked Questions
What’s the difference between tax planning and tax preparation?
Tax preparation is focused on filing last year’s taxes accurately and on time. Tax planning, on the other hand, is forward-looking. It’s the process of proactively making decisions throughout the year to reduce future tax liability, align with your goals, and avoid costly surprises.
How early should I start tax planning for my business?
Ideally, tax planning begins at the start of your fiscal year—or even earlier. Strategic planning works best when we have the full year to implement recommendations and adjust course based on changes in income, expenses, or business structure.
Can tax planning really help me save money?
Yes, significantly. Effective planning can reduce your taxable income, ensure you’re taking full advantage of deductions and credits, optimize your compensation mix, and identify opportunities to defer income or accelerate expenses.
Who benefits most from working with a tax strategist?
Business owners, real estate investors, professionals with variable income, and anyone facing large or complex tax situations typically benefit the most. If your business is growing or your financial picture is changing, it’s likely that strategic tax planning can create real value.
Is tax planning just for high-net-worth individuals?
Not at all. While high earners may see larger dollar savings, the benefits of proactive planning apply to any business owner who wants to keep more of what they earn, reduce audit risk, and make better financial decisions.
Do I have to be a monthly accounting client to get tax planning?
Not necessarily. While many of our tax planning clients also use us for accounting, we can offer standalone tax strategy services as well—especially for those who already have an internal bookkeeping setup or another accountant handling day-to-day work.
What’s included in your tax planning service?
Our tax planning includes a customized strategy review, analysis of prior-year filings, scenario modeling for the current year, quarterly check-ins, and implementation support where needed. We also help coordinate with your bookkeeper or payroll provider to ensure execution.
A Simple, Structured Approach
(845) 790-4443
Call Us Today.
- Review & Diagnose
We start with your past returns, current income, and entity structure.
- Plan Strategically
We outline year-round strategies that optimize timing, deductions, and compensation.
- Update & Adjust
Life and business change—so we review and adapt your plan throughout the year.
