MARIELA RUIZ, CPA, PLLC

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How to Use a 1031 Exchange to Defer Taxes on a Business Sale

January 14, 2025 / / 0 Comments

Selling a business is a significant financial decision, but the tax implications can be daunting. A 1031 exchange is a powerful tool that allows business owners to defer capital gains taxes by reinvesting the proceeds into like-kind property. This strategy can save you money and help you grow your wealth. In this blog, we’ll explore the benefits and process of using a 1031 exchange.

Understanding the Basics of a 1031 Exchange

A 1031 exchange, also known as a like-kind exchange, allows you to defer paying capital gains taxes on the sale of a business property by reinvesting the proceeds into another qualifying property. To qualify, the new property must be of like-kind, which broadly includes real estate used for business or investment purposes. Working with experienced tax professionals can help you ensure compliance with IRS regulations.

Benefits of Using a 1031 Exchange

  1. Tax Deferral: By reinvesting in like-kind property, you can defer paying capital gains taxes, which frees up more capital to reinvest.
  2. Wealth Building: The ability to defer taxes allows you to leverage more funds to acquire higher-value properties, increasing your portfolio’s potential for growth.
  3. Estate Planning: A 1031 exchange can also play a role in estate planning, enabling heirs to inherit properties at a stepped-up basis, and potentially reducing their tax burden.

Key Steps in Executing a 1031 Exchange

  1. Identify Replacement Property: Within 45 days of selling your property, you must identify potential replacement properties in writing.
  2. Close within the Deadline: The exchange must be completed within 180 days from the sale of the original property.
  3. Use a Qualified Intermediary: A qualified intermediary is essential to facilitate the transaction and ensure IRS compliance.

Common Missteps to Avoid

  1. Missing Deadlines: Strict adherence to the 45-day and 180-day deadlines is crucial.
  2. Non-Like-Kind Property: Ensure the replacement property meets the IRS’s like-kind criteria.
  3. Improper Documentation: Accurate records and professional guidance are vital for a successful exchange.

Why work with MARIELA RUIZ, CPA, PLLC?

A 1031 exchange is an excellent strategy to defer taxes and reinvest proceeds from a business sale. However, navigating the complex IRS rules requires expertise. At MARIELA RUIZ, CPA, PLLC, we’re here to help you make the most of this tax-saving opportunity. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to schedule a consultation. Let’s work together to maximize your financial success!

How S Corporation Owners Can Deduct Health Insurance and Save on Taxes

December 4, 2024 / / 0 Comments

Running an S Corporation has its perks, but health insurance benefits can get complex. Unlike employees, S-corp shareholders with over 2% ownership can’t receive tax-free health insurance. In this blog, we’ll outline the steps S-corp owners need to take to access company-sponsored health insurance and correctly deduct these costs.

Understanding Health Insurance Deduction for S Corporation Owners

If you’re an owner of an S Corporation, you can generally deduct health insurance premiums as a business expense. However, the IRS Notice 2008-1 has specific requirements for how these premiums must be reported and deducted. As an owner with at least 2% stake in the company, you can’t claim health insurance deductions the same way your employees do, but you can still enjoy a tax advantage by following these guidelines.

Set Up Health Insurance Under the S Corporation

The first step is to establish a health insurance plan under the company. This is crucial for meeting IRS requirements. Essentially, the company should pay the premiums directly, or you can pay them personally and get reimbursed. If the S Corporation pays the premiums, these payments need to be included in your W-2 wages as taxable income.

Report Premiums on Your W-2

Reporting the premiums correctly on your W-2 is non-negotiable. Health insurance premiums paid by the company on your behalf must be added to your wages as taxable income. This might seem counterintuitive, but adding the premiums to your taxable wages actually opens the door for you to deduct them on your personal income tax return.

Related: Learn more about the difference between gross income before and after taxes here.

Claim the Deduction on Your Personal Tax Return

Once the premiums are reported as income, you’re eligible to deduct them on your Form 1040. Here’s how it works: S Corporation owners who meet the IRS requirements can deduct the health insurance premiums as a self-employed health insurance deduction. This deduction applies to your personal tax return (Form 1040), which reduces your adjusted gross income.

IRS Requirements to Keep in Mind

While it’s exciting to save on taxes, remember that the IRS has strict guidelines for these deductions. Make sure to keep accurate records of premium payments and follow these requirements:

   – Ownership Stake: You must own more than 2% of the S Corporation.

   – W-2 Reporting: Premiums must be reported as taxable income on your W-2.

   – Established Health Plan: The S Corporation must establish the health insurance plan and either pay directly or reimburse you for premiums.

Consult Our Professionals for IRS Notice 2008-01

Given the intricacies of IRS Notice 2008-1 and its implications, consulting with a tax professional is highly advisable. If you need personalized guidance or support in managing your tax strategies, MARIELA RUIZ, CPA, PLLC is here to help. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to learn more about how we can help you make the most of your tax benefits!

Tips for Managing Expenses as a Small Business Owner

November 4, 2024 / / 0 Comments

Starting a small business is often fueled by passion, but managing expenses requires a sharp eye and a steady hand. However, according to a study by Fundera, 20% of small businesses fail in their first year and 30% of small businesses fail in their second year. These statistics underscore the importance of solid financial management from day one. In this month’s blog, we will walk you through some tips to help you manage your expenses effectively and maximize your profits.

Set a Realistic Budget and Stick to It

Creating a budget isn’t just about making numbers match. It’s a roadmap for your business’s financial health. Start by categorizing your expenses, such as operating costs and employee wages. Aim to keep your fixed costs as low as possible in your early stages. Once you’ve laid out a realistic budget, do your best to stick to it. Budgets also help you differentiate between your business and personal expenses, a critical aspect if you’re transitioning from a hobby to a business.

Related: Learn more about accounting considerations when transitioning your hobby into a business here.

Monitor Cash Flow Regularly

Cash flow is the lifeblood of any business. Monitoring it allows you to understand exactly how money is moving in and out of your business. Regular cash flow analysis will show you patterns, like times of the year when revenue is low or when expenses tend to spike. Tracking cash flow on a weekly basis can help you anticipate shortfalls and plan accordingly. You can always use accounting software to automate this process.

Plan for Retirement Early

It’s easy to focus all your energy on your business, but don’t overlook your personal financial future. Planning for retirement should start as soon as possible, even in the early years of your business. Setting up a retirement plan is not only a smart personal investment; it also offers tax advantages for your business.

Related: Learn more about how to plan for retirement as a business owner here.

Keep an Eye on Fixed Costs

Fixed costs are the expenses that remain the same month after month, such as rent, utilities, and payroll. While some fixed costs are non-negotiable, there are ways to manage them smartly. For example, consider using a co-working space instead of renting a full office. The less you spend on fixed costs, the more flexibility you’ll have in managing other expenses.

Final Thoughts

Managing expenses is a cornerstone of any successful business. By following the above tips, you can ensure your business remains financially healthy. If you need further assistance with expense management, MARIELA RUIZ, CPA, PLLC is here to provide expert guidance. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to learn more about our financial consulting services.

The Benefits of Integrating Accounting Software with Other Business Tools

October 21, 2024 / / 0 Comments

In today’s fast-paced business environment, efficiency is key to staying competitive. As companies expand and evolve, the need for streamlined processes becomes increasingly vital. One of the most effective strategies to achieve this is through the integration of accounting software with other business tools, such as Customer Relationship Management (CRM) systems and inventory management solutions. In this blog, we’ll explore the benefits of integrating accounting software with other business tools.

Enhanced Data Accuracy

One of the primary benefits of integrating accounting software with CRM and inventory systems is the improved accuracy of data. When these systems operate separately, manual data entry can lead to errors and inconsistencies. For example, sales figures in a CRM might not align with those in accounting software, causing confusion and inaccurate financial reporting. By integrating these systems, data flows seamlessly between them, ensuring real-time transaction recording. This minimizes errors and equips business owners with reliable information for informed decision-making.

Streamlined Workflow and Increased Efficiency

Another significant advantage of integration is the streamlining of workflows. When businesses use multiple disconnected systems, employees frequently switch between platforms, causing inefficiencies and wasted time. By integrating these systems, teams can access all necessary information from a single interface. For instance, sales representatives can enter customer data into the CRM, which automatically updates inventory levels and financial records. This streamlined workflow saves time and enables employees to concentrate on their core responsibilities, boosting overall productivity.

Better Compliance and Risk Management

With integrated accounting software, businesses can also improve compliance and manage risks more effectively. Accurate and timely data is crucial for regulatory compliance and correct tax filing. Consistent financial data across platforms minimizes non-compliance risks. Integrated systems create an audit trail of transactions, aiding in audits or investigations. This transparency helps businesses spot discrepancies early, enabling them to resolve potential issues before they escalate.

Related: “What To Consider Before Getting Accounting Software Implementation”

Conclusion: Partner with MARIELA RUIZ, CPA, PLLC

In conclusion, integrating accounting software with CRM and inventory systems offers businesses enhanced data accuracy, streamlined workflows, and improved compliance. To stay competitive, leveraging technology is crucial. MARIELA RUIZ, CPA, PLLC, in Mission, TX, can help implement accounting software tailored to your needs. With years of experience, we ensure smooth integration for your business. Contact us at (956) 997-0067 or visit mruiz-cpa.com to take your business to the next level.

What Is Innocent Spouse Relief and How It Can Help You

September 4, 2024 / / 0 Comments

If you’ve ever found yourself knee-deep in tax trouble because of something your spouse or ex-spouse did, you’re not alone. The IRS can seem persistent when it comes to collecting taxes, but there’s a lesser-known way to ease the burden if you’re unfairly caught in the crossfire: innocent spouse relief. 

This IRS provision might be the lifeline you didn’t know you needed. So, what is innocent spouse relief, and how do you know if you qualify? We’ll break everything down in this month’s blog.

What Is Innocent Spouse Relief?

Innocent spouse relief lets you avoid being responsible for tax debt caused by your spouse’s errors on a joint tax return. It allows you to separate yourself from their tax liabilities and start fresh. There are three types of innocent spouse relief available under Internal Revenue Code 6015. These are known as innocent spouse relief, separation of liability, and equitable relief.

Do You Qualify for Innocent Spouse Relief?

Now, before you breathe a sigh of relief, it’s important to know that not everyone qualifies. The IRS doesn’t hand this out easily. There are specific criteria you must meet to be considered “innocent” in the eyes of the taxman:

  • Joint Return Filed: You must have filed a joint return with your spouse, which led to the tax debt.
  • Erroneous Items: The understatement of tax must be due to “erroneous items” on the return. This could be anything from unreported income to improperly claimed deductions or credits. Essentially, your spouse fudged the numbers, and now the IRS is looking to you for the difference.
  • Lack of Knowledge: You must prove that when you signed the joint return, you didn’t know and had no reason to know about the error. The IRS wants to see that a reasonable person in your shoes wouldn’t have caught the mistake either.
  • Equity: Lastly, it has to be clear that it would be unfair to hold you responsible for the tax debt. This is where the IRS weighs all the facts, like your financial situation and the role you played (or didn’t play) in the error.

How to Apply for Innocent Spouse Relief

Applying for innocent spouse relief isn’t a walk in the park, but it’s worth it if you qualify. Here’s the rundown:

  • File Form 8857: This is the official request form for innocent spouse relief. Be sure to include all relevant information and documentation that supports your claim.
  • Time is of the Essence: You need to file for relief no later than two years after the IRS first tried to collect the tax debt from you. However, certain situations might allow for more flexibility.
  • Get Professional Help: Taxes are complicated, and dealing with the IRS can be nerve-wracking. Consider consulting with a tax professional who can guide you through the process and help strengthen your case.

When Relief is Granted

If the IRS grants you innocent spouse relief, it’s like a weight lifted off your shoulders. You won’t be held responsible for your spouse’s tax debt, and the IRS will stop trying to collect from you. But remember, this relief only applies to the specific tax year or years in question. It’s not a get-out-of-jail-free card for any future tax issues.

Conclusion

If you believe you may qualify for innocent spouse relief, we’re here to guide you through the process. Our team is committed to helping you navigate the complexities of tax law, ensuring you receive the support and relief you deserve. Call us today at (956) 997-0067 or visit our website mruiz-cpa.com to learn more about how we can help you achieve a fresh start.

How to Plan for Retirement as a Business Owner

August 7, 2024 / / 0 Comments

As a business owner, planning for retirement involves more than just saving money. It requires a strategic approach to ensure that your personal and business finances are aligned with your long-term goals. This guide will provide you with essential steps to help you prepare for a financially secure and fulfilling retirement.

Evaluate Your Current Financial Situation

The first step in retirement planning is understanding your current financial standing. This includes assessing your personal savings, investments, and retirement accounts. It’s crucial to determine the current value of your business and its potential for growth or sale. Additionally, identifying any outstanding debts or liabilities that could impact your retirement plans is essential for a comprehensive evaluation.

Related: “Tips For Keeping Accurate and Organized Financial Records”

Set Retirement Goals

Clearly defining what you want your retirement to look like is a vital part of the planning process. Decide when you want to retire, as this will influence your savings and investment strategies. You may consider the kind of lifestyle you want in retirement, including travel plans, hobbies, and living arrangements. Estimating your annual expenses in retirement will help you understand how much income you will need to support your desired lifestyle.

Develop a Retirement Savings Plan

Once you have a clear picture of your financial situation and retirement goals, you can develop a savings plan. Maximize contributions to retirement accounts such as IRAs, 401(k)s, and SEP IRAs to ensure you are taking full advantage of tax benefits and compound growth. We also recommend diversifying your investments across different asset classes will help reduce risk and increase potential returns. Reinvesting profits from your business into retirement savings or other investment opportunities can also boost your retirement fund.

Plan for the Sale or Succession of Your Business

Your business is likely one of your most significant assets, so planning for its future is crucial to your retirement. If you intend to pass the business to a family member or employee, creating a detailed succession plan is essential. If selling the business is your preferred option, prepare it for sale by improving financial records, increasing profitability, and enhancing its marketability. Obtaining a professional valuation of your business will help you understand its worth and how it fits into your retirement plan.

Related: “Bookkeeping for Freelancers and Self-Employed Individuals”

Consider Tax Implications

Tax planning is an essential aspect of retirement planning for business owners. Utilizing tax-advantaged retirement accounts can help minimize your tax burden. It’s crucial to understand the tax implications of selling your business and exploring strategies to reduce taxes. Additionally, working with a CPA and estate planning attorney to develop a plan that minimizes estate taxes and ensures your assets are distributed according to your wishes will provide peace of mind.

Seek Professional Advice

Retirement planning can be complex, especially for business owners. Seeking professional advice can help you navigate the process. A financial advisor can provide personalized investment strategies and retirement planning advice tailored to your specific needs. A Certified Public Accountant (CPA) can assist with tax planning, business valuation, and financial management, while an attorney can help with estate planning and legal aspects of business succession or sale.

Conclusion

Planning for retirement as a business owner involves careful consideration of your personal and business finances. By evaluating your current situation, setting clear goals, developing a savings plan, and seeking professional advice, you can create a roadmap to a secure and fulfilling retirement. At MARIELA RUIZ, CPA, PLLC, we are dedicated to helping business owners in Mission, TX, plan for a successful retirement. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to learn more about our financial consulting services.

Accounting Considerations When Transitioning Your Hobby into a Business

July 1, 2024 / / 0 Comments

Many people dream of turning a hobby into a small business. Perhaps you’re a chef and would like to open a restaurant. Or maybe you’d like to turn your photography passion into profit. You might not face significant accounting challenges if your new business is profitable over time, but what if the new business’ expenses exceed income? In this month’s blog, we’ll show you key considerations to keep in mind to ensure your transition is smooth and financially sound.

Keep Personal and Business Finances Separate

One of the first steps is to open a separate business bank account. This distinction between personal and business finances is not just a best practice; it’s essential. Mixing the two can lead to confusion, making it challenging to track your business expenses and income accurately. Moreover, it can create issues when it’s time to manage your financial records.

Understand Your Costs

Accurately tracking and understanding your costs is critical. This includes both fixed costs (rent, utilities, and insurance) and variable costs (materials, shipping, labor, etc.). Knowing your break-even point—the point at which your revenue equals your costs—will help you price your products correctly and ensure your business is profitable.

Understand the Accounting Principles Behind Revenue Recognition

While not all businesses are required to comply with the revenue recognition principle of accounting, it’s important to take the time to understand it. In the US, according to the revenue recognition principle of ASC 606, revenue should be recognized when the delivery of promised goods or services matches the amount expected by the company in exchange for the goods or services. 

This will help ensure your financial statements accurately reflect your business’s financial health, and how your business is doing financially.

Related: Learn more about why your business isn’t making money and how to fix it here.

Consider Hiring a Professional

While DIY accounting is possible, hiring a professional accountant can save you time and help you avoid costly mistakes. An accountant can offer valuable insights, ensure compliance with financial regulations, and provide advice tailored to your specific business needs. Additionally, ensure your accountant adheres to accounting ethics to maintain the highest standards in your business operations.

Hire MARIELA RUIZ, CPA, PLLC

At MARIELA RUIZ, CPA, PLLC, we are dedicated to helping you navigate these complexities and set your business up for success. We’ve helped many small businesses like you lay a strong foundation for your business’s financial health. Visit our website at mruiz-cpa.com or call us at (956) 997-0067 to learn more about how we can assist you in making your business financially sound and profitable.

Accounting Ethics: Upholding Integrity and Professionalism in the Field

June 7, 2024 / / 0 Comments

Accounting ethics are the cornerstone of trust and credibility in the financial industry. As accountants, maintaining integrity and professionalism is not just a regulatory requirement but a fundamental aspect of our responsibility to clients, stakeholders, and the public. Adhering to a strict code of ethics ensures that financial information is reported accurately and transparently, fostering confidence in financial markets and business operations. In this month’s blog, we discuss the importance of ethics, integrity, and professionalism as an accountant.

Ethics and Reputation

Upholding integrity in accounting involves consistently applying ethical principles such as honesty, fairness, and objectivity. Accountants are often entrusted with sensitive financial information and are responsible for making decisions that can significantly impact businesses and individuals. Ethical dilemmas, such as conflicts of interest or pressure to manipulate financial results, can arise, making it crucial for accountants to adhere to professional standards and guidelines. By committing to ethical practices, accountants ensure that their work reflects true and fair representations of financial situations, thereby protecting the interests of their clients and the public.

In addition, adhering to accounting ethics is paramount in building and sustaining a corporation’s reputation. Ethical accounting practices, such as transparency, accuracy, and honesty in financial reporting, instill confidence among stakeholders, including investors, clients, and regulatory bodies. When a corporation is known for its integrity and ethical standards, it gains trust and credibility in the marketplace, which can lead to enhanced investor confidence, customer loyalty, and a stronger competitive edge. Furthermore, ethical conduct in accounting helps prevent scandals and financial misstatements, which can severely damage a corporation’s reputation and lead to legal consequences.

Related: “Accounting Mistakes That Could Harm Your Small Business”

Staying Professional and Updated

Professionalism in accounting goes beyond technical competence and includes a commitment to continuous learning and adherence to ethical standards. Accountants must stay updated on changes in laws, regulations, and industry practices to provide the best possible service. This includes maintaining confidentiality, exercising due diligence, and providing objective, unbiased advice. Overall, this ensures that accountants can effectively navigate the complexities of legal requirements, minimize the risk of non-compliance, and avoid potential penalties for their clients. A commitment to ongoing education and awareness not only enhances the accuracy of financial statements, but also positions accountants as reliable advisors who can anticipate and respond to regulatory changes.

Conclusion

At MARIELA RUIZ, CPA, PLLC, we believe that ethical accounting practices are essential for the success and sustainability of businesses. Our commitment to integrity and professionalism is reflected in everything we do, from financial reporting to advisory services. We invite you to experience our dedication to ethical excellence firsthand. Visit our website at mruiz-cpa.com call us at (956) 997-0067 to learn more about how we can support your financial needs with the highest ethical standards. Rely on us to be your trusted partner in achieving financial transparency and success.

Gross Income Before and After Taxes: Key Differences Explained

May 7, 2024 / / 0 Comments

Understanding your salary may seem like a daunting task, but it’s actually quite straightforward once you grasp the disparity between gross income before and after taxes. When we talk about your salary as CTC (Cost to Company), we refer to it as gross pay, whereas the amount you actually receive in your account every month is termed as net pay. But what exactly is the disparity between gross income before or after taxes? In this month’s blog, we will shed light on this crucial financial concept.

Gross Income Before or After Taxes: What’s the Difference?

Gross income before taxes refers to the total amount of money you earn before any deductions such as income tax, Social Security, or Medicare. It’s essentially the full amount agreed upon in your employment contract, also known as your gross pay or CTC.

On the other hand, gross income after taxes is the amount you receive after deductions for federal, state, and local taxes, as well as other deductions like retirement contributions and health insurance premiums. This is commonly referred to as your net pay.

Calculating Gross Income Before or After Taxes

To calculate your gross income before taxes, simply add up all sources of income, including your salary, bonuses, commissions, and any other forms of compensation. This total represents your gross pay.

Calculating gross income after taxes involves a bit more complexity. You start with your gross income before taxes and then deduct federal income tax, state income tax (if applicable), Social Security tax, Medicare tax, and any other deductions required by law or chosen by you. The resulting amount is your net pay, which is what you actually take home.

Related: Learn more about why it’s important to hire a tax expert here.

Gross Income for Freelancers And Self-Employed Individuals

Unlike employees who have a clear-cut figure in their employment contract, determining gross salary for freelancers and self-employed individuals can be more variable. It encompasses not only the fees they charge for their services but also factors such as business expenses, overhead costs, and fluctuations in income.

Also, it’s crucial to acknowledge that only income received within the tax year is factored into the gross income calculation. Therefore, any outstanding payments owed by clients or customers to the business are not factored into the gross income for that particular tax year until they are received.

Related: Learn more about bookkeeping for freelancers and self-employed individuals here.

Let MARIELA RUIZ, CPA, PLLC Help You!

Understanding gross income before and after taxes requires expertise and precision, especially for freelancers and self-employed individuals. MARIELA RUIZ, CPA, PLLC is here to calculate your gross income, manage your tax obligations, and handle your overall financial strategy. Visit our website at mruiz-cpa.com or call us at (956) 997-0067 to schedule a consultation and optimize your financial management today.

Bookkeeping for Freelancers and Self-Employed Individuals

April 9, 2024 / / 0 Comments

For freelancers and self-employed individuals, managing finances effectively is crucial for the success and growth of their business. Unlike traditional employees, freelancers must handle their own bookkeeping to track income, expenses, and taxes accurately. By establishing sound bookkeeping practices, freelancers can gain better control over their finances, make informed business decisions, and ensure compliance with tax obligations. Let’s explore some essential tips for freelancers and self-employed individuals to streamline their bookkeeping processes and manage their finances efficiently.

Keep Your Personal and Business Finances Separate

One key aspect of effective bookkeeping for freelancers is to separate personal and business finances. Maintaining separate bank accounts and credit cards for business transactions can help simplify record-keeping and ensure that business expenses are properly tracked. Tracking income and expenses diligently is essential for monitoring cash flow, identifying tax-deductible expenses, and preparing accurate financial statements. Utilizing accounting software or cloud-based bookkeeping solutions can streamline the process and provide real-time insights into the financial health of the business.

Develop an Organized System

In addition to tracking income and expenses, freelancers should also stay organized when it comes to invoicing and payment tracking. Sending invoices promptly, setting clear payment terms, and following up on outstanding payments are essential practices for maintaining a steady cash flow. Keeping detailed records of client invoices, payments received, and expenses incurred can help freelancers monitor their financial performance, identify opportunities for growth, and prepare for tax season efficiently.

Related: “Tips For Keeping Accurate and Organized Financial Records”

Asset and Legal Protection

Maintaining accurate financial records not only helps freelancers and self-employed individuals make informed business decisions but also plays a crucial role in protecting their assets and ensuring legal compliance. By keeping track of income, expenses, invoices, and receipts, freelancers can demonstrate transparency and accountability in their financial dealings.

Proper documentation of financial transactions can provide protection in the event of an audit, dispute, or legal challenge, helping to safeguard assets and mitigate potential risks. Additionally, accurate financial records can serve as evidence of income and expenses in the case of legal proceedings, contract disputes, or tax inquiries, offering a layer of legal protection and ensuring financial stability for freelancers and self-employed professionals.

Rely On an Experienced CPA

Ready to take control of your finances as a freelancer or self-employed individual? Contact MARIELA RUIZ, CPA, PLLC in Mission, TX, for expert bookkeeping and accounting services tailored to your business needs. Our team is dedicated to helping freelancers and self-employed professionals manage their finances effectively and achieve their business goals. Visit our website at mruiz-cpa.com or call us at (956) 997-0067 to schedule a consultation and optimize your financial management today.

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