Your wealth, fully managed for business owners
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your owner pay, retirement contributions and quarterly estimates, and prepare your business and personal returns.
What we handle for business owners
Your business and your household share one cash flow, even when their accounts stay separate.
- 01
Your owner pay
For an S corporation, set the salary first: it decides your retirement contribution room and your payroll tax. Your CPA weighs a reasonable salary against the distributions you take.
- 02
SEP IRA or Solo 401(k)
At $150,000 of net self-employment earnings, a SEP allows about $30,000 and a Solo 401(k) $54,500 if you are under 50. The SEP IRA calculator runs your numbers.
- 03
Quarterly estimates
Estimates are due April 15, June 15, September 15 and January 15. To avoid a penalty, pay 90% of this year’s tax or 100% of last year’s, or 110% if last year’s AGI topped $150,000.
- 04
Cash reserves
A profitable year can still leave you short when estimates come due. We plan the tax reserve, the business reserve and your household emergency fund as separate jobs for the same money.
- 05
Schedule C and business returns
Your CPA prepares your Schedule C from your profit and loss, or your business return on the Premier plan, alongside your personal return so the two agree.
- 06
Your household plan
Retirement, a home, college and investments are planned from what the business can reliably pay you, not from its best year.
How Nino helps business owners
Business owners often have a bookkeeper, a tax preparer and an advisor who never compare notes. On the Premier plan one CPA and financial planner team plans your pay, your retirement saving and your household, and files your business and personal returns together.
Book a free consultation-
A plan in your first two weeks
Your CPA and financial planner build a tax and financial plan from your last returns, your business results and your household goals, then revisit it every quarter.
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Returns filed together
Business and personal filing is included on Premier. Your CPA prepares both and files nothing until you approve it, so the salary, distributions and retirement contributions match across returns.
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One view of both sides
Nino’s AI software brings your business and personal accounts into one view, read-only, so you can ask what you can safely pay yourself this quarter. Keep the bookkeeping your business requires.
Which choices shape an owner’s taxes?
Four decisions to make before the year ends, not when the return is due.
Which retirement plan to open
A Solo 401(k) usually allows more at lower incomes, and both top out at $72,000. First-year 401(k) deferrals need the plan adopted by the unextended filing deadline. See Solo 401(k) vs SEP IRA.
How much salary to pay yourself
A higher S corporation salary raises your SEP limit, which is 25% of W-2 wages, but also raises payroll tax. Distributions do not count toward the limit.
When to make big purchases
The timing of income and expenses can move tax between years. Your CPA checks the trade against your cash needs rather than spending to save tax.
Where business cash ends
Business and personal accounts affect each other, but ownership and records need clear lines. Plan draws from what is left after taxes and the business reserve.
Pick your plan
Every Advisor plan includes a CPA and financial planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for business owners
Read up on these decisions, or run your own numbers.
SEP IRA
A SEP IRA lets a business owner contribute up to 25% of pay, capped at $72,000 for 2026. Here is the self-employed math, the employee rule, and the deadlines.
Read guideSolo 401(k) vs SEP IRA
A Solo 401(k) beats a SEP IRA at most incomes because it adds a $24,500 employee deferral and catch-ups. See the 2026 math at $60K, $150K, and $300K.
Read guideTax and Financial Deadlines for 2026 and Early 2027
Every date from October 2026 to April 2027: estimated taxes, December 31 moves, tax forms, IRA and HSA deadlines, and the life-event clocks that run on their own.
Read guide2026 Tax Changes
The One Big Beautiful Bill Act changed SALT, charitable, QSBS, and AMT rules for 2026. What changed, who it affects, and what to do by December 31.
Read guideSEP IRA Contribution Calculator
Estimate your 2026 SEP IRA maximum as a sole proprietor or S corp owner, the federal tax it saves, and the Solo 401(k) alternative.
Open calculator