Tax planning isn’t just about what you file—it’s about what you plan for. At Cortez & Associates, we help individuals and business owners take control of their financial future with thoughtful, proactive tax strategies designed to minimize liability and optimize savings over time. Whether you’re preparing for a major life event, launching a business, or simply looking to reduce your yearly tax burden, we provide personalized guidance rooted in years of experience and a deep understanding of California and federal tax codes.

Our planning services go beyond basic advice. We help you choose the right business structure, time income and expenses strategically, utilize tax-advantaged accounts, and identify deductions and credits that often go overlooked. For businesses, this may include year-end planning, asset depreciation strategies, and quarterly tax projections. For individuals, it could mean adjusting withholdings, planning for investment gains, or preparing for future events like home purchases, retirement, or college savings.

Most importantly, tax planning is not a one-time event. It’s an ongoing relationship. We stay connected with you throughout the year to make sure your tax strategy evolves with your goals. At Cortez & Associates, we don’t just prepare returns—we help you prepare for what’s ahead.