FREE MASTERCLASSBusiness Owner Tax Strategy Masterclass
The planning gaps profitable businesses miss, and what to evaluate before year-end.
WATCH MASTERCLASS
TAX PLANNING & CFO ADVISORY FOR BUSINESS OWNERS
Your business has grown.Your tax strategy should grow with it.
Entity structure, owner compensation, cash flow, retirement plans and year-end strategy for profitable, owner-led businesses. Planned during the year, not reported after it.
Tell us what you’re working on and we’ll determine whether BigApple is the right fit.
Tax planning for business ownersBusayo Ogunsanya, CPA, MST · Founder & Managing Partner
20+ yearsTax & accounting experience
Master’s in TaxationFordham University
CPA-ledTax planning & fractional CFO advisory
WHAT WE SEE
Profitable businesses often run on a tax setup they outgrew years ago.
01Entity chosen at startup and never revisited
02Owner compensation set by habit, not by plan
03Books not current enough to make decisions from
04Estimated taxes paid as a guess, or not at all
05Retirement plan options never compared
06Cash flow and taxes managed by different people with no coordination
07Big purchases, hires or sales made without a tax review
HOW BIGAPPLE HELPS
Strategy and CFO support for owner-led companies.
Annual and quarterly tax projections
Entity and S-Corp analysis
Reasonable compensation planning
Retirement-plan design for owners
Estimated-tax planning
Monthly bookkeeping and reporting
Cash-flow forecasting and KPIs
Acquisition, sale and financing decisions
Year-end planning before December 31
Every engagement is based on your facts. We do not promise a specific tax outcome.
THE C.A.T. FRAMEWORK
Applied to an owner-led business.
Cash Flow → Assets → Tax Planning
CASH FLOW
Revenue, margins, owner pay, distributions and the timing of cash in and out.
ASSETS
Entity ownership, equipment, retirement plans, real estate and the value of the business itself.
TAX PLANNING
Structure compensation, deductions and timing around the cash flow and assets you’ve built.
QUALIFICATION
You may be a fit for BigApple if…
If your business is pre-profit or you only need a return filed, we are probably not the right fit yet.
- Your business is profitable and growing
- You take $150K or more out of the business
- You have never had a formal tax projection
- You are considering hiring, buying, selling or raising capital
- You feel like your CPA is documenting the past instead of helping plan the future
- You want a CFO-level view without a full-time CFO
ILLUSTRATIVE PLANNING EXAMPLE
How the decisions connect.
CLIENT PROFILE
An owner of a professional-services firm earns roughly $540,000 in profit, is taxed as a single-member LLC, pays estimated taxes irregularly and is considering buying a competitor.
THE PROBLEM
The entity, compensation and estimated payments had never been reviewed together, and an acquisition was coming.
WHAT WE REVIEWED
- Cash flow
What does the business need to keep on hand before an acquisition? - Estimated taxes
Are quarterly payments based on current-year projections or last year’s return? - Entity structure
Would an S-Corp election change payroll and self-employment tax at this profit level? - Compensation
What salary is reasonable, and how does it interact with distributions? - Retirement accounts
Which plan types fit the owner’s age, staff and cash flow? - Acquisition
Asset or stock purchase, and how is the price allocated? - Year-end planning
Which moves must be made before December 31?
THE STRATEGY
- Current-year projection with quarterly updates
- Entity and compensation options modeled
- Acquisition structure reviewed with the attorney
- Cash-flow forecast tied to the tax plan
THE RESULT
One coordinated plan instead of separate decisions. Any tax effect depends on the client’s actual facts, so we don’t show a savings figure for a hypothetical example.
Hypothetical scenario for illustration only. It does not describe a specific client and does not promise any result.
LEARN FIRST
Business owner tax planning, explained.
Questions business owners ask us
Should my business be an S-Corp?
It depends on profit, reasonable compensation, payroll costs and your state. At the right profit level it can reduce self-employment tax; below it, the added cost may outweigh the benefit.
How much should I pay myself?
S-Corp owners must take reasonable compensation. We set it to balance payroll taxes, retirement contributions and the qualified business income deduction.
What is the difference between tax planning and tax preparation?
Preparation records what already happened. Planning makes decisions during the year, while they can still change the result.
What does a fractional CFO do for my business?
Forecasting, monthly reporting, KPIs, cash-flow planning, pricing and financing decisions, without the cost of a full-time CFO.
When should planning start?
Early in the year is best. Many strategies must be in place before December 31, and some retirement plans have their own setup deadlines.
Can you help with buying or selling a business?
Yes. We review deal structure, purchase-price allocation and timing, and coordinate with your attorney.
Your tax return tells us what happened. Your tax plan determines what happens next.
SCHEDULE A CONSULTATIONBest for profitable owner-led businesses. Most clients take $150K or more out of their business each year.