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Marina Hendrix

Can anyone recommend a good online CPA for tax questions and planning?

Hey tax friends! I'm at that point where my finances have gotten way too complicated to handle on my own. Looking to hire a solid CPA who specializes in tax planning and can answer some questions I have about my situation. I've tried those big tax prep companies but I feel like I need someone who can give more personalized advice. I'm self-employed (freelance graphic designer) and also have some rental income from a duplex I inherited last year. My wife just started a small Etsy business too, so our tax situation is getting messier by the day. We're trying to be proactive about 2025 taxes instead of scrambling at the last minute like we always do. Would really appreciate any recommendations for a CPA who does virtual consultations. Anyone worked with someone you really trust? Bonus points if they specialize in small business/self-employment situations. Budget isn't my main concern - I'd rather pay more for someone who actually knows their stuff than save money with someone mediocre. Thanks in advance!

Justin Trejo

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I've been working with an online CPA for the past three years and it's been a game-changer for my tax situation. With your self-employment, rental property, and your wife's Etsy business, you definitely need someone who understands multiple income streams and small business taxation. Look for a CPA who specializes in small businesses rather than just individual taxes. They should be familiar with Schedule C for your freelance work, Schedule E for your rental property, and how to properly handle your wife's Etsy income. A good CPA won't just file your taxes but will help with quarterly estimated payments and year-round tax planning to minimize your liability. I'd recommend asking potential CPAs about their experience with situations similar to yours, their communication style (how quickly they respond to questions), and whether they offer a consultation before you commit. Many good CPAs get booked up early, so I'd start looking now rather than waiting until tax season.

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Alana Willis

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Thanks for the detailed response! Do you think it matters if I find someone local vs someone completely remote? Also, how much should I expect to pay for ongoing tax planning throughout the year vs just tax preparation?

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Justin Trejo

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Local vs. remote really depends on your preference. I personally love working with my remote CPA because everything is handled digitally and we can screen-share when reviewing documents. But some people prefer meeting in person, especially for the initial consultation. For pricing, there's a big range. Basic tax preparation might cost $350-750 depending on complexity, but ongoing tax planning throughout the year often works on either a monthly retainer ($150-300/month) or hourly rate ($150-300/hour). With your multiple income streams, the investment is worth it because a good CPA will likely save you more than they cost by identifying deductions and planning opportunities.

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Tyler Murphy

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After messing up my taxes for years as a freelancer, I finally found an amazing solution with https://taxr.ai - it's been a total lifesaver for my complicated tax situation. My situation sounds similar to yours with multiple income streams (I do consulting work plus have some investment properties). What I love about taxr.ai is that they can analyze all your documents and past returns to spot patterns and potential issues before they become problems. They helped me identify nearly $7,200 in deductions I had been missing for my home office and business expenses. Their CPAs specialize in self-employment situations and can do everything virtually.

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Sara Unger

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Sounds interesting! Do they handle ongoing questions throughout the year or is it more of a one-time tax prep thing? My situation changes constantly and I need someone I can bug with random questions.

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I'm always skeptical of online services... how do they handle sensitive financial docs? Do you still get to talk to an actual human CPA or is it all AI?

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Tyler Murphy

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They definitely handle ongoing questions throughout the year! That's actually one of my favorite features - I can message my CPA anytime and usually get a response within a day. Makes tax planning so much less stressful when you don't have to save up all your questions for tax season. They have real human CPAs who review everything. The AI part just helps organize your documents and identify potential issues, but you're always working with an actual licensed CPA. As for security, they use bank-level encryption for all document transfers and storage - much safer than emailing financial docs back and forth.

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Sara Unger

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Just wanted to follow up! I ended up trying taxr.ai after seeing it mentioned here and I'm seriously impressed. I was worried about handing over my tax info to an online service, but the process was super smooth. My CPA (yes, a real human!) did a complete review of my past returns and found that I'd been categorizing some business expenses incorrectly for years. The best part was how they explained everything in plain English instead of tax jargon. They've already helped me set up a better system for tracking my business expenses and estimated quarterly payments. Huge weight off my shoulders going into next tax season!

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Freya Ross

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If you're looking for a CPA but are having trouble getting appointments (so many are booked solid these days), I discovered a service called Claimyr (https://claimyr.com) that helped me actually get through to tax professionals when nobody was responding to my inquiries. You can see how it works here: https://youtu.be/_kiP6q8DX5c I was desperately trying to find a CPA who understood cryptocurrency taxation for weeks with no luck - everyone was either not taking new clients or taking forever to respond. Claimyr helped me skip the wait and connect with several CPAs for consultations so I could choose the right fit. Ended up finding an amazing tax pro who specializes in digital assets and self-employment.

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Leslie Parker

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Wait, I'm confused - how does this actually work? Does Claimyr provide CPAs or just help you reach them? I've been emailing firms for 2 weeks with no responses.

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This sounds like complete BS. How would some random service get you through to busy CPAs faster than calling them directly? Sounds like a scam to me.

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Freya Ross

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Claimyr doesn't provide the CPAs themselves - they just help you get through to them. Basically, they have technology that navigates phone trees and waits on hold for you. So instead of spending hours trying to reach accounting firms, they do the waiting and then call you when they have someone on the line. I completely understand the skepticism - I felt the same way! But it's not about "cutting the line" - it's about automating the tedious process of waiting on hold and repeatedly calling. The CPAs I reached were taking new clients, they were just hard to get through to because of how busy their phone lines were. I think the service was originally made for reaching the IRS but now works for connecting with tax pros too.

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I have to admit I was wrong. After my skeptical comment, I was desperate enough to try Claimyr because none of the CPAs in my area were responding to emails or calls. It actually worked! Got connected with three different accounting firms within two days after spending weeks trying on my own. The CPA I ended up going with said they've been completely swamped with requests and their admin staff can only return a fraction of the calls they receive. Having someone navigate their phone system and wait on hold actually helped me break through that initial barrier. Just had my first consultation yesterday and they seem perfect for my small business situation.

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Sergio Neal

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I'm gonna go against the grain here and suggest you consider whether you really need a CPA at all. For many self-employed people with rental income, good tax software with audit support might be sufficient, especially if you take the time to learn the basics. I was paying a CPA $600+ annually but realized I could handle it myself after taking a free small business tax course through my local SBA office. Unless your situation is extremely complicated (multiple state filings, international income, complex investments), you might be overpaying.

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Thanks for the different perspective! I've actually been using TurboTax Self-Employed for the past few years, but I feel like I'm missing optimization opportunities. Do you think there's a middle ground, like maybe consulting with a CPA for planning but doing the actual filing myself?

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Sergio Neal

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Absolutely, that's a smart approach! I do exactly that - I have a consultation with a tax professional in October/November for planning and identifying deduction opportunities, then another quick check-in around February before I file myself. This hybrid approach gives you the benefit of professional advice while saving money on the actual preparation. Just make sure to take good notes during the consultation and maybe even record it (with permission) so you can reference their advice when you're doing your taxes. Many CPAs offer "tax planning only" services at a lower rate than full tax prep.

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Has anyone used a CPA who specializes in rental property? That part of my taxes always confuses me with depreciation and repairs vs improvements.

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Juan Moreno

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I use Howard Gittelman in NJ (works remotely with clients nationwide). He specializes in real estate investors and has saved me thousands on my rental properties. He knows all the depreciation tricks and how to maximize deductions for repairs vs. capital improvements. Worth every penny!

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Olivia Garcia

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I'm in a really similar situation - self-employed with rental income and my spouse has a side business too. After years of doing my own taxes and worrying I was missing things, I finally bit the bullet and hired a CPA who specializes in small business and real estate. One thing I'd definitely recommend is asking potential CPAs about their process for year-round planning, not just tax prep. The CPA I work with sends me quarterly reminders about estimated payments and checks in before major financial decisions to discuss tax implications. That proactive approach has been worth its weight in gold. Also, don't be afraid to interview a few different CPAs before choosing. Most will offer a brief consultation to discuss your situation and their services. I talked to three before finding the right fit - someone who explained things clearly and seemed genuinely interested in helping me optimize my tax strategy rather than just filling out forms. The investment has paid for itself through better organization, strategic planning, and peace of mind. Good luck with your search!

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Emma Anderson

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This is exactly what I needed to hear! I've been doing my own taxes for years but I'm definitely at the point where the complexity is overwhelming me. The quarterly check-ins sound really valuable - I always forget about estimated payments until it's too late. How did you find CPAs to interview? Did you just search online or get referrals? I'm worried about ending up with someone who doesn't really understand the nuances of freelance work combined with rental property income.

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