Online Tax Advisor

Whenever your income changes, you start a business, receive stock from your employer, or buy property, you create tax situations that can be difficult to address on your own. At USA Tax Gurus, our online advisory service gives you access to licensed CPAs and EAs who help you review your filings, evaluate your options, and set a clear direction for the months ahead.

You can schedule a meeting from anywhere, upload documents through a secure portal, and speak with a tax professional who explains how your choices impact your tax position. This guidance can help you avoid repeated errors, improve your financial planning habits, and take advantage of opportunities you might otherwise miss. 

Benefits of Choosing USA Tax Gurus for Virtual Tax Advisory

Working with a CPA or EA gives you accurate tax guidance based on your filings, income, and documented activity. Each meeting addresses the entries in your tax return, the transactions reported by your employer or business, and the choices you plan to make this year. This approach removes guesswork because every point discussed ties directly to numbers you provide, such as wages, stock sales, rental income, or business revenue.

When you work with USA Tax Gurus, you benefit from the following advantages.

Benefit	What It Means for Your Business
Professional Guidance	Licensed professionals like CPAs and EAs review the figures on your tax return, such as wages, withholding amounts, dividends, and business expenses. They compare those figures with IRS rules and explain how each one affects your refund, your balance due, or your quarterly estimates.
Secure Communication	You upload PDFs of your returns, pay stubs, 1099s, or statements through a protected portal that encrypts each file. Meetings take place online, which removes travel time and lets you speak directly about each document while the advisor views it on screen.
Clear Direction	You receive instructions that point to exact items, such as adjusting your W-4 if your withholding is short by a measurable amount or recording mileage correctly if you qualify for the standard rate. These steps prevent repeated errors, such as missed credits or improper expense recording, which can change your tax outcome by hundreds or thousands of dollars.
Year-Round Availability	You can schedule an advisory session when your income changes, such as when you add a second job or sell an investment, instead of waiting for tax season. This timing lets you calculate tax impact immediately, such as estimating capital gains tax before you complete a sale.
Integrated Planning	Advisory connects to filing and tax planning by using the same documents, transaction records, and projections. This keeps your information consistent, so you don’t repeat data entry or explain the same items in different services.

The Benefits of Online Tax Advisory Services

Tax rules change each year, and those changes modify items such as withholding tables, credit limits, and reporting thresholds. Each income source you earn from, including wages, contract work, stock sales, and rentals, follows a different set of IRS rules that produce different tax results. Reviewing these items during the year gives you exact figures you can act on instead of discovering issues once you prepare your return.

Situation	Benefit
Income Changes	A new income source raises your taxable income by the full amount, which can shift your bracket and your required estimated payments. For example, a $12,000 contract job raises your annual income by that amount and may require a higher quarterly payment to avoid underpayment penalties.
Investment Activity	Stock sales create taxable gains based on the difference between your sale price and your cost basis. Missing or incorrect basis figures can inflate your gain by hundreds or thousands of dollars, which is why verifying those numbers before you sell prevents later corrections.
Rental Property Reporting	Depreciation, mortgage interest, repairs, and tenant payments each require clear categorization under IRS rules. If a landlord records these entries incorrectly, the reported income can shift by several thousand dollars, which often leads to amended returns.
Business Requirements	Business owners must track payroll figures, contractor payments, and deductible expenses with exact amounts. A mismatch between reported totals and bank records can trigger an IRS notice, which creates extra work at filing time if the records weren’t reviewed earlier.
Timing of Tax Payments	An advisory session lets you calculate required payments based on actual income instead of rough estimates. When these payments reflect real figures, you avoid shortfalls that produce penalties on your next return.

Online tax advisory is an advantage because each review uses the actual documents and transactions you’ve recorded throughout the year. This gives you accurate figures to act on rather than estimates that may not match your final totals. With this information available early, you avoid last-minute corrections and enter filing season with data that already matches IRS rules.

How Our Online Tax Advisory Process Works

Each online advisory session follows a clear set of steps that begins with your document upload and ends with a compliant tax plan that works for you.

Step 1: Package Selection

You choose a service level that matches the type of review you need, such as personal tax planning, business planning, or a general consultation. Each package lists the time allotted and the documents required, which sets clear expectations before the meeting.

Step 2: Upload Your Documents

Submit PDFs such as tax returns, pay stubs, 1099s, year-end summaries, or business statements through our proprietary secure portal. The tax advisor reads these files before the meeting, which allows the session to start with actual numbers such as wages, withholding, and net income instead of spending time gathering data.

Step 3: Schedule Meeting

You meet at a set time through an online link for a virtual consultation. During the call, your advisor will open your documents and point to each line that affects your tax position, such as taxable income, credits, and prior balances due.

Step 4: Line Review and Calculations

The advisor checks items such as capital gains, depreciation entries, retirement contributions, or owner draws and runs calculations while you watch. For example, they may show that a $15,000 gain adds that same amount to taxable income or that a $6,500 IRA contribution lowers taxable income by that amount if you qualify.

Step 5: Written Plan

After the call, you receive a document that lists each recommendation with the related dollar impact or rule reference. That document uses the same figures that appear on your returns and statements, so you can trace each change back to a line item or transaction.

Step 6: Follow-Up

Planning packages include a second meeting roughly three months after the first session. During that meeting, the advisor compares new pay stubs, bank reports, or sales records against the earlier plan and adjusts amounts such as estimated payments or contribution targets to match your updated income.

Personal Tax Planning (Starting at $599)

Personal tax planning examines the exact income, deductions, credits, and transactions that appear in your documents. The advisor reviews your W-2, 1099 forms, brokerage statements, rental ledgers, and prior returns to locate entries that change your tax outcome by a measurable amount. Each recommendation connects to a number, such as a shortfall in withholding, a missed deduction, or an unreported gain, so you always see the direct cause of the adjustment.

• Financial Goal Review: Your tax advisor will ask for details such as your expected income range, projected investment activity, and any major purchases you plan to make. These details determine how items like withholding, estimated payments, and contribution limits apply to your situation.
• Tax Return Review: Once you submit it, the advisor checks every line of your return, including wages, withholding totals, credits, and adjustments, and compares them to your current income. If your withholding is short by a specific amount, the advisor calculates the exact increase needed to avoid the IRS underpayment penalty.
• Missed Deduction and Credit Verification: Your tax advisor will verify eligibility for deductions and credits by comparing your documents against IRS thresholds, such as income caps for education credits or contribution limits for retirement accounts. Missing one of these entries changes your tax by the exact amount of the unused credit or deduction.
• Amendment Evaluation: When an error appears in a prior return, the advisor can examine how the correction changes your balance. For example, if you left out a $2,000 credit from last year, adding it through an amendment decreases your tax by that same amount.
• Stock Option Review: Employer stock requires accurate tracking of grant dates, vesting dates, and strike prices because these details determine the taxable portion. If you exercise options without noting the spread between strike and market price, the IRS will treat that spread as income you must report.
• Retirement Contribution Planning: The advisor can calculate how contributions affect your adjusted gross income. A $6,500 traditional IRA contribution lowers taxable income by that amount if you meet eligibility rules, while a Roth IRA contribution doesn’t change taxable income at all.
• Crypto and Stock Sale Scenarios: Gains depend on cost basis and holding period. Selling an asset at a $4,500 gain increases taxable income by that exact figure, while selling at a $3,200 loss reduces taxable income if you haven’t exceeded the annual loss limit.
• Rental Property Review: Depreciation schedules, repair costs, and mortgage interest entries are checked against your receipts and property records. Missing a full year of depreciation increases taxable rental income because the IRS requires you to record depreciation whether you claimed it or not.
• Custom Written Plan: Once all documents have been reviewed, your tax advisor delivers a document listing each recommendation, the dollar impact, and the IRS rule behind it. This gives you a consistent reference for future filings.
• Three-Month Follow-Up: The advisor reviews new transactions recorded after the first meeting to adjust projections based on updated figures. If you changed jobs, sold investments, or added rental income, the advisor recalculates the exact tax effect.

Business Tax Planning (Starting at $999)

Business tax planning examines how your company earns and spends money during the year. Each review uses documents such as your prior return, profit-and-loss statement, payroll records, and 1099 reports so every recommendation connects to a real number. 

• Financial Goal Review: Revenue estimates for the year determine your quarterly tax payments because each payment must match your projected taxable income. A shift from $120,000 to $160,000 in annual revenue changes your estimated taxes immediately, which is why the review uses updated income totals.
• Tax Return and Projection Review: Prior-year returns show patterns such as recurring deductions, depreciation amounts, and payroll levels. These figures allow accurate projections because each item carries forward into the current year unless your business activity changes.
• Retirement Planning: Retirement options such as a SEP IRA or Solo 401(k) require specific contribution amounts tied to your net earnings. For example, a SEP IRA contribution equals up to 25 percent of net business income, so a $100,000 net income allows a $25,000 contribution.
• Payroll Planning: Owner payroll determines payroll taxes, so the wage amount must match your company’s revenue and structure. For instance, an S-Corp owner earning $150,000 in revenue must choose a reasonable wage because the IRS reviews wages that fall outside normal industry ranges.
• Entity Review: The structure you choose changes your tax obligations because C-Corps, S-Corps, and LLCs use different formulas for income, payroll, and distributions. An S-Corp election can reduce self-employment tax if wages and distributions follow IRS rules, which is why the review examines your actual income totals before recommending the change.
• Cash Flow Review: Monthly cash movement shows how much you can direct toward taxes, payroll, or equipment purchases without creating shortages. A business with irregular revenue must track these fluctuations because a high-revenue month can mask shortfalls that appear later in the year.
• Industry Benchmarking: Revenue and expense ratios from similar businesses show whether your figures fall within normal operating ranges. For example, if your industry’s typical cost-of-goods ratio is 40 percent and yours is 60 percent, the difference points to recording errors or higher supply spending.
• Custom Plan Creation: The final plan lists each recommendation with the related dollar impact, so the reasoning stays tied to your financial records. This document becomes a reference for tax filing, payroll decisions, and upcoming purchases.
• Three-Month Follow-Up: New income, expenses, or large purchases recorded after the first session require updated figures. The follow-up adjusts your projections using the latest totals, which keeps your yearly numbers accurate.

General Advisory (Starting at $499)

General advisory sessions address single issues that don’t require a full planning package. Each session examines the documents tied to your question, such as a specific IRS notice, a pay stub with incorrect withholding, or a single investment sale. Here’s how it works:

• Introductory Call: The initial 15-minute call confirms the documents you need for a full session, such as your return, pay records, or statements. This prevents delays in the main meeting because the advisor can review complete information instead of partial details.
• 30-Minute Consultation: A shorter consultation works for issues tied to a single item, such as correcting withholding amounts or reviewing one 1099. The advisor will examine the exact figure in question and explain its effect on your next return.
• 60-Minute Consultation: Longer sessions cover issues that require multiple documents, such as comparing two years of returns or checking several stock sales. Each item is reviewed with its related tax impact, such as how a specific gain, deduction, or adjustment changes your taxable income.

General advisory sessions address targeted issues so you can correct errors before they affect your filing. Each answer ties to a figure you provided, which creates a clear record for future reference. This format lets you resolve single questions without waiting for tax season or committing to a larger review.

Questions About Our Online Tax Advisor Services?

We invite you to schedule an advisory session as soon as you’re ready to review your tax records or plan upcoming financial moves. USA Tax Gurus offers set appointment times, secure document uploads, and direct access to licensed CPAs and EAs who base every recommendation on the figures you provide. When you book, you receive a confirmation, a document request list, and instructions for your online meeting so you derive maximum benefit. To get started, please fill out a contact form or call 213-212-8737 today.

Online Tax Advisory FAQS

What Documents Should I Prepare Before My Session?

You should gather your most recent tax return, all W-2 forms, any 1099 forms, year-end investment summaries, and records related to rental property or business activity. These documents give the advisor the exact figures that determine your tax outcome, such as withholding totals, capital gains, or deductible expenses. Preparing them ahead of time reduces review time because the advisor can verify every number directly.

How Secure Is The Online Portal?

The portal encrypts every file you upload, including tax returns, pay statements, and bank documents. Encryption prevents unauthorized access by converting your documents into unreadable data during transfer and storage. This level of protection ensures that only you and your advisor can view the records used in your session.

Is Virtual Advisory Available In Every State?

Yes, advisory is available nationwide because the guidance follows federal tax rules that apply to all U.S. taxpayers. State-specific entries, such as credits or deductions, are reviewed using your state return from the previous year. This allows the advisor to identify the exact lines on your state form that will change once your federal adjustments are complete.

What Happens During The Follow-Up Meeting?

The follow-up meeting reviews any new income, purchases, or transactions that occurred after your initial session. The advisor checks these changes against your earlier plan to confirm whether the calculations remain accurate. If the figures shift, you receive updated steps that reflect the new totals instead of outdated numbers from earlier in the year.

Can You Review IRS Notices During A Session?

You can upload the notice, and the advisor can identify the exact reason listed on the form, such as mismatched withholding, missing 1099 income, or adjustments to reported wages. Each notice includes reference codes that point to a specific line on your return, and the advisor checks these codes against the figures you filed. This review shows you the exact cause of the issue and what the IRS expects next.

What If My Income Changes Mid-Year?

A mid-year change, such as a second job or a large contract payment, affects your taxable income immediately. Your tax advisor calculates your new tax requirement using the exact figures from your pay records or invoices. This gives you the amount you must set aside or pay in estimated taxes to avoid penalties.

Can You Estimate My Tax Owed Before I Sell An Investment?

Yes, the advisor can calculate the tax based on your cost basis, your holding period, and the expected sale price. These figures determine whether your gain is taxed at short-term or long-term rates and how much you’ll owe. Reviewing this before you sell prevents surprises because you know the exact gain or loss that will appear on your return.