Plan before the money moves.
Tax preparation tells you what happened. Tax planning helps you decide what happens next. Waddy works with established business owners throughout the year so taxes, cash flow, and the financial impact of important decisions can be part of the conversation before you commit.
A good year can still create expensive surprises.
A business can have growing revenue, accurate books, completed tax returns, and cash in the bank, and the owner can still be unable to answer the question that actually matters when a decision is in front of them: what can we afford to do next?
That gap often comes from the way traditional accounting and tax engagements are structured. Bookkeeping records what already happened. Tax preparation reports it. Both are accurate, both are necessary, and both are built to look at a period that has already closed. Proactive planning is a different type of conversation, and it has to happen at a different time. Without it, the decisions made during the year, about compensation, distributions, equipment, hiring, get measured against the bank balance rather than against a complete picture.
Revenue is not the same as cash. Profit is not the same as cash. And cash in the bank is not necessarily cash you can spend.
The balance in the account is a starting number, not an available one. Some of it is already committed. Payroll is coming. Estimated taxes are due. Debt service, operating expenses, purchases already approved, and distributions already planned all draw against the same balance. What remains after those obligations is a different figure, and it is the one a decision should actually be measured against.
The point of raising this is not to make anyone anxious about their business. It is that visibility changes decisions. An owner who can see the full picture in October makes different choices than one who learns the outcome in March, when the window to do anything about it has already closed.
The return tells us what happened. Planning helps decide what happens next.
These are two different conversations with two different timings. Waddy provides both. The distinction is worth understanding, because a business owner can be well served on one side and completely uncovered on the other.
Tax Preparation
Looks backward
- Records what already happened
- Reports income and deductions
- Calculates the final tax result
- Fulfills filing requirements
- Happens after the year has closed
Proactive Tax Planning
Looks forward
- Reviews projected taxable income
- Looks at estimated tax obligations
- Evaluates timing
- Considers cash flow impact
- Helps frame decisions before they are made
The best time to understand the financial consequence of a decision is before the decision is made.
Some decisions are easier to plan for before the money leaves the account.
Advisory can sound abstract until you look at what actually triggers the conversation. These are decisions where timing, structure, and cash position matter — and where the planning window can narrow significantly once the money moves.
Compensation
How owner and employee compensation affects taxes, cash flow, and the business.
Distributions
What the business can reasonably distribute while maintaining the cash it needs.
Hiring
What another employee means beyond salary alone.
Major Purchases
Timing, cash requirements, financing, and tax considerations.
Retirement Contributions
Planning contribution decisions before applicable deadlines.
Growth & Investment
How expansion, acquisitions, or major investments affect the financial picture.
Not every business will face all of these, and not every decision needs a formal analysis. The purpose of a planning relationship is that when one of them does come up, the conversation happens while there is still room to plan.
A year-round planning relationship.
Waddy Proactive Tax Planning & Business Advisory is a 12-month advisory engagement. It combines proactive tax planning, tax projections, cash flow analysis, financial reporting reviews, and ongoing financial decision support.
Tax Projections
Periodic forward-looking estimates of where the tax position may be heading based on current information.
Cash-Flow Visibility
Better understanding of what cash is available, what is already committed, and what needs to remain available for taxes, operations, and other obligations.
Financial Reporting Reviews
Financial statements reviewed in context so the business owner understands what the numbers mean.
Decision Support
A financial conversation before major compensation, distribution, hiring, purchase, investment, or growth decisions.
Year-Round Planning
Planning conversations throughout the year rather than waiting until the tax return is due.
The specific scope is set during the engagement conversation, because it depends on the business. What does not change is the timing: the planning work happens during the year, not after it.
Know where the business stands before deciding what comes next.
The engagement is designed to help a business owner answer a specific set of questions with current information rather than estimates.
- 01What am I likely to owe in taxes?
- 02How much cash needs to remain available?
- 03What cash is actually available to distribute, invest, or spend?
- 04What does this decision mean before I make it?
- 05What can the business reasonably afford to do next?
Instead of learning the financial consequences after a decision is made, the goal is to look at the numbers while there is still time to plan.
Waddy has helped clients gain better visibility into their cash flow, giving them better information for important financial decisions.
You may not need to replace your accountant. You may need a different conversation.
Most established business owners already have someone who prepares the tax return, and often that work is being done well.
What that relationship may not include is a forward-looking one. Return preparation and proactive planning require different information at different times of year, and a preparation engagement is generally not scoped to cover tax projections, cash flow analysis, financial reporting conversations, or decision support during the year. That is not a criticism of anyone. It is a difference in what the engagement was set up to do.
Tax preparation and proactive planning are different kinds of conversations.
Waddy Proactive Tax Planning & Business Advisory can make sense even if you already have an accountant who handles your returns. The question worth asking is not whether your returns are being filed correctly. It is whether anyone is looking ahead with you before the next significant decision.
Built for owners whose decisions have become more consequential.
This engagement is not right for every business, and saying so plainly saves everyone time.
This may be a fit if
- Your business is established and generating meaningful revenue
- Your financial decisions have become more complex
- You want to understand projected taxes before filing season
- You want better visibility into cash flow
- You make decisions about distributions, hiring, purchases, or investments
- You want an advisor involved before important decisions are finalized
- Your accounting is accurate but you are not using it to guide decisions
This may not be the right fit if
- You only want annual tax preparation
- You are looking for bookkeeping services without an ongoing planning or advisory relationship
- You do not want an ongoing planning relationship
- You are not prepared to share current financial information needed for planning
If the second column describes you today, that is a reasonable position, and Waddy still offers tax preparation, accounting, and bookkeeping as separate services.
Built around the complexity of your business.
Custom annual engagement based on complexity and scope.
There is no single figure, because the work required varies considerably from one business to another. The fee depends on factors such as:
- Business complexity
- Number of entities
- Quality and current status of accounting records
- Tax complexity
- Reporting needs
- Level of advisory support required
We will first understand your situation, explain the scope of the engagement, and determine whether the service is the right fit.
Let's look at the numbers first.
If you want better visibility into what your business is likely to owe in taxes, what cash needs to remain available, and what the business can reasonably afford to do next, start the conversation before the next major decision is made.
Better visibility. More proactive planning. Fewer surprises.
Plan before the money moves.
Tax preparation tells you what happened. Tax planning helps you decide what happens next. Waddy works with established business owners throughout the year so taxes, cash flow, and the financial impact of important decisions can be part of the conversation before you commit.
A good year can still create expensive surprises.
A business can have growing revenue, accurate books, completed tax returns, and cash in the bank, and the owner can still be unable to answer the question that actually matters when a decision is in front of them: what can we afford to do next?
That gap often comes from the way traditional accounting and tax engagements are structured. Bookkeeping records what already happened. Tax preparation reports it. Both are accurate, both are necessary, and both are built to look at a period that has already closed. Proactive planning is a different type of conversation, and it has to happen at a different time. Without it, the decisions made during the year, about compensation, distributions, equipment, hiring, get measured against the bank balance rather than against a complete picture.
Revenue is not the same as cash. Profit is not the same as cash. And cash in the bank is not necessarily cash you can spend.
The balance in the account is a starting number, not an available one. Some of it is already committed. Payroll is coming. Estimated taxes are due. Debt service, operating expenses, purchases already approved, and distributions already planned all draw against the same balance. What remains after those obligations is a different figure, and it is the one a decision should actually be measured against.
The point of raising this is not to make anyone anxious about their business. It is that visibility changes decisions. An owner who can see the full picture in October makes different choices than one who learns the outcome in March, when the window to do anything about it has already closed.
The return tells us what happened. Planning helps decide what happens next.
These are two different conversations with two different timings. Waddy provides both. The distinction is worth understanding, because a business owner can be well served on one side and completely uncovered on the other.
Tax Preparation
Looks backward
- Records what already happened
- Reports income and deductions
- Calculates the final tax result
- Fulfills filing requirements
- Happens after the year has closed
Proactive Tax Planning
Looks forward
- Reviews projected taxable income
- Looks at estimated tax obligations
- Evaluates timing
- Considers cash flow impact
- Helps frame decisions before they are made
The best time to understand the financial consequence of a decision is before the decision is made.
Some decisions are easier to plan for before the money leaves the account.
Advisory can sound abstract until you look at what actually triggers the conversation. These are decisions where timing, structure, and cash position matter — and where the planning window can narrow significantly once the money moves.
Compensation
How owner and employee compensation affects taxes, cash flow, and the business.
Distributions
What the business can reasonably distribute while maintaining the cash it needs.
Hiring
What another employee means beyond salary alone.
Major Purchases
Timing, cash requirements, financing, and tax considerations.
Retirement Contributions
Planning contribution decisions before applicable deadlines.
Growth & Investment
How expansion, acquisitions, or major investments affect the financial picture.
Not every business will face all of these, and not every decision needs a formal analysis. The purpose of a planning relationship is that when one of them does come up, the conversation happens while there is still room to plan.
A year-round planning relationship.
Waddy Proactive Tax Planning & Business Advisory is a 12-month advisory engagement. It combines proactive tax planning, tax projections, cash flow analysis, financial reporting reviews, and ongoing financial decision support.
Tax Projections
Periodic forward-looking estimates of where the tax position may be heading based on current information.
Cash-Flow Visibility
Better understanding of what cash is available, what is already committed, and what needs to remain available for taxes, operations, and other obligations.
Financial Reporting Reviews
Financial statements reviewed in context so the business owner understands what the numbers mean.
Decision Support
A financial conversation before major compensation, distribution, hiring, purchase, investment, or growth decisions.
Year-Round Planning
Planning conversations throughout the year rather than waiting until the tax return is due.
The specific scope is set during the engagement conversation, because it depends on the business. What does not change is the timing: the planning work happens during the year, not after it.
Know where the business stands before deciding what comes next.
The engagement is designed to help a business owner answer a specific set of questions with current information rather than estimates.
- 01What am I likely to owe in taxes?
- 02How much cash needs to remain available?
- 03What cash is actually available to distribute, invest, or spend?
- 04What does this decision mean before I make it?
- 05What can the business reasonably afford to do next?
Instead of learning the financial consequences after a decision is made, the goal is to look at the numbers while there is still time to plan.
Waddy has helped clients gain better visibility into their cash flow, giving them better information for important financial decisions.
You may not need to replace your accountant. You may need a different conversation.
Most established business owners already have someone who prepares the tax return, and often that work is being done well.
What that relationship may not include is a forward-looking one. Return preparation and proactive planning require different information at different times of year, and a preparation engagement is generally not scoped to cover tax projections, cash flow analysis, financial reporting conversations, or decision support during the year. That is not a criticism of anyone. It is a difference in what the engagement was set up to do.
Tax preparation and proactive planning are different kinds of conversations.
Waddy Proactive Tax Planning & Business Advisory can make sense even if you already have an accountant who handles your returns. The question worth asking is not whether your returns are being filed correctly. It is whether anyone is looking ahead with you before the next significant decision.
Built for owners whose decisions have become more consequential.
This engagement is not right for every business, and saying so plainly saves everyone time.
This may be a fit if
- Your business is established and generating meaningful revenue
- Your financial decisions have become more complex
- You want to understand projected taxes before filing season
- You want better visibility into cash flow
- You make decisions about distributions, hiring, purchases, or investments
- You want an advisor involved before important decisions are finalized
- Your accounting is accurate but you are not using it to guide decisions
This may not be the right fit if
- You only want annual tax preparation
- You are looking for bookkeeping services without an ongoing planning or advisory relationship
- You do not want an ongoing planning relationship
- You are not prepared to share current financial information needed for planning
If the second column describes you today, that is a reasonable position, and Waddy still offers tax preparation, accounting, and bookkeeping as separate services.
Built around the complexity of your business.
Custom annual engagement based on complexity and scope.
There is no single figure, because the work required varies considerably from one business to another. The fee depends on factors such as:
- Business complexity
- Number of entities
- Quality and current status of accounting records
- Tax complexity
- Reporting needs
- Level of advisory support required
We will first understand your situation, explain the scope of the engagement, and determine whether the service is the right fit.
Let's look at the numbers first.
If you want better visibility into what your business is likely to owe in taxes, what cash needs to remain available, and what the business can reasonably afford to do next, start the conversation before the next major decision is made.
Better visibility. More proactive planning. Fewer surprises.