Manage your business with professional bookkeeping & payroll services for financial clarity and a stress-fee tax season

Welcome to The Nine Yards Tax & Accounting Firm. At Fiscal Integrity Group, we ensure you only pay your fair share of taxes, NOT a penny more. 

Our experienced team of experts specializes in uncovering hidden deductions and credits, helping business owners and individuals save significantly on taxes. Additionally, we provide comprehensive bookkeeping and payroll services to ensure your records remain accurate and up to date.

Bookkeeping & Accounting

Comprehensive services for accurate financial management:

1. Assist with year-end close and book adjustments
2. Handle sales tax records and documentation
3. Implement or improve bookkeeping processes/workflows
4. Maintain the general ledger
5. Manage accounts payable (process bills, track vendor payments)
6. Manage accounts receivable (invoice, track payments)
7. Monitor customer and vendor accounts (credit terms, late payments)
8. Organize receipts and financial documentation (digital and physical)
9. Prepare for tax compliance (organize records, documentation)
10. Produce basic financial reports (profit and loss, balance sheets, cash flow statements)
11. Reconcile accounts to supporting documentation
12. Reconcile bank and credit card statements
13. Reconcile petty cash
14. Record transactions (sales, receipts, payments, purchases)
15. Report irregular or suspicious transactions to owners/accountants
16. Stay current with bookkeeping best practices and software
17. Support audits and reviews with organized records
18. Support grant or loan application processes with financial records
19. Track and categorize expenses
    

Payroll Services & Employee Management

Seamless outsourcing for your company's payroll needs:

1. Calculate and withhold employee deductions (benefits, retirement contributions, garnishments)
2. Calculate and withhold payroll taxes (federal, state, local)
3. Calculate gross wages for each pay period
4. Collect and maintain employee information (W-4s, I-9s, direct deposit details)
5. Coordinate with accountants for year-end payroll reporting
6. Ensure payroll compliance with federal and state laws
7. File payroll tax returns (federal, state, local)
8. Generate paychecks or direct deposit payments
9. Issue pay stubs to employees
10. Keep up-to-date with current payroll regulations and tax changes
11. Maintain payroll records and ensure data accuracy
12. Prepare and distribute annual tax forms (W-2s, 1099s)
13. Remit payroll taxes to relevant authorities
14. Report and investigate payroll discrepancies
15. Respond to employee payroll-related questions
16. Set up employee earnings (salaries, hourly rates, overtime, bonuses, commissions)
17. Support payroll audits and inquiries
18. Track and accrue paid time off (vacation, sick leave, holidays)
19. Update payroll processes and software as needed
    

Tax Planning & Preparation

Expert preparation for individuals, businesses, and estates:

1. Access specialized expertise
2. Assemble records for all deductible business expenses, itemized by category
3. Categorize and substantiate meals, entertainment, travel, and other business expenses
4. Collect all income records (W-2s, 1099s, etc.)
5. Compile employee and contractor tax forms (W-9, W-2, 1099-NEC, etc.)
6. Coordinate with external advisors or accountants for complex tax situations
7. Document home office details if claiming the home office deduction (size, expenses, utility costs)
8. Ensure records are ready for audit or review
9. Gather current financial statements and bookkeeping records (profit & loss, balance sheet, general ledger)
10. Identify and apply eligible deductions and credits
11. Keep track of estimated tax payments made throughout the year
12. Organize receipts for assets purchased or sold (including purchase/sale dates, amounts, and depreciation)
13. Plan for tax-saving opportunities (retirement plans, timing of expenses, deferred income)
14. Prepare and file required business tax forms (Form 1040 Schedule C, 1065, 1120, 1120-S, etc.)
15. Reconcile bank, credit card, and loan accounts to actual balances
16. Review last year’s federal and state tax returns
17. Track changes in tax laws relevant to the business
18. Update tax processes and documentation as needed
19. Verify that all financial and tax records are complete and accurate
    

Wealth Management

360° Wealth Management Guiding Your Financial Journey:

1. A holistic, personalized advisory process centered on your values, beliefs, and life goals
2. Integration of investment management tailored to your goals, risk tolerance, and time horizon
3. Advanced financial planning addressing wealth enhancement, wealth transfer, protection, and charitable giving
4. Coordination and collaboration with a network of trusted professionals (tax, legal, insurance advisors)
5. Formal consultative approach to fully understand your financial challenges and aspirations
6. Customized solutions designed to fit your unique financial needs and long-term objectives
7. Continuous monitoring and proactive management to adapt plans as your life evolves
8. Emphasis on building and preserving your financial legacy through comprehensive strategies
9. Transparent, disciplined approach combining financial planning with risk management
10. Support through all life milestones including retirement, succession planning, and philanthropy
    

Mortgage

Leveraging Investment Real Estate as a Powerful Tax Savings Tool:

1. Investment real estate offers substantial tax benefits to enhance wealth management
2. Depreciation deductions reduce taxable income by spreading property cost over time
3. Mortgage interest on investment loans is deductible as a business expense
4. Deductible expenses include property taxes, maintenance, insurance, management fees, and professional services
5. Eligible investors may reduce taxable income through the pass-through deduction (up to 20%)
6. 1031 Exchanges defer capital gains taxes by reinvesting sale proceeds in new properties
7. Real estate investing can lower self-employment and overall income taxes
8. Paper losses from depreciation and interest can offset other income, lowering tax bills
9. Tax-advantaged accounts (like self-directed IRAs) can defer taxes on real estate gains
10. Keeping detailed records of expenses and income maximizes deductions and IRS compliance
11. Real estate combines wealth growth with ongoing tax advantages supporting long-term goals

Entity Selection and Asset Protection

Strategic Entity Formation for Tax Efficiency and Growth.  Entity choice (LLC, S Corp, C Corp, Inc, Sole Prop, Partnership) affects taxes and liability:

1. LLC offers liability protection with flexible tax options
2. S Corp avoids double taxation and can save on employment taxes
3. C Corp allows earnings retention but may face double taxation
4. Inc provides structure, liability protection, and capital-raising potential
5. Sole Proprietorship is simple but has no liability protection
6. Partnerships (Limited Liability Partnership LLP)share profits with pass-through taxation and need strong agreements
7. Entity impacts business deductions, retirement plans, and benefits
8. Helps with estate planning and wealth transfer strategies
9. Affects creditworthiness, investor appeal, and flexibility
10. Compliance and governance vary by entity, affecting admin workload
11. Review entity choice regularly with advisors to fit evolving goals
    

An accounting firm that incorporated mortgage services? Seriously?

Here's why: Complete Financial Solutions Under One Roof

Why Settle for Missed Opportunities?

An incredible 90–95% of business owners leave thousands on the table every year. Why? Because their accountants and mortgage brokers work in silos, and nobody’s looking at the big picture. With FIG, you break free from this fragmented approach, finally capturing the savings, deductions, and growth strategies others miss.

Unlock Tax-Smart Wealth With FIG, Where Business Owners Turn Mortgages Into Opportunity.

Imagine a world where your mortgage isn’t just a monthly bill, it’s the secret weapon in your financial success story. At Fiscal Integrity Group, we do so much more than traditional accounting. We combine powerful mortgage strategies with expert tax and business planning, so every dollar you invest in real estate and operations works harder for you.

On Average, Entrepreneurs Spend Over 20 Hours Per Week Managing Financial Tasks

That adds up to approximately 26 weeks per year, nearly half a year spent on bookkeeping, payroll, taxes, and other financial duties. By choosing FIG, you reclaim that valuable time to focus on what matters most: growing your business and driving success.

Here Are the Benefits of Partnering With FIG

• Comprehensive Expertise: We’re your one-stop-shop for all tax and accounting needs including entity formation, mortgage services, and more. Everything you need is under one roof.
• Enhanced Focus on Growth: Outsource your financial management to us and redirect your energy towards innovation, strategic decisions, and delivering excellent service to your customers.
• Expert Guidance: Gain trusted advice from seasoned professionals who understand all aspects of tax, accounting, and financial strategy to boost your business performance.
• Risk Mitigation: Stay compliant with ever-changing tax laws and regulations, avoiding costly penalties and protecting your business.
• Time Efficiency: Save 20+ hours per week by letting FIG handle your financial tasks, freeing you to focus on your long-term goals and business expansion.

Our Integrated Service Means You’re Always Ahead

1-All Deductions, Accounted For:

Mortgage interest, property taxes, repairs, insurance, utilities, and more to maximize your benefit.

Additional Benefits:

• Inclusive Expense Tracking: We identify often-overlooked deductible expenses, such as landscaping, security systems, and HOA fees, ensuring nothing slips through the cracks.
• Cost Segmentation: Separate personal vs. business-related property expenses accurately, optimizing deductions without risking IRS scrutiny.
• Proactive Tax Planning: Anticipate upcoming deductible maintenance or improvement expenses and time them strategically within tax years to maximize benefits.
• Documentation Management: We help you maintain thorough, organized records and receipts, simplifying audit preparation and ensuring full compliance.

2-Depreciation, Mastered

From annual real estate depreciation to bonus and accelerated depreciation, we ensure you never miss advanced tax relief.
Additional Benefits:

• Customized Depreciation Schedules: Tailor depreciation timelines to your unique property use, maximizing write-offs and preserving cash flow.
• Component Depreciation: Break down property into components (roof, HVAC, etc.) to accelerate depreciation on shorter-life assets within your real estate.
• Cost Segregation Studies Support: Coordinate with specialists for cost segregation to unlock even greater accelerated depreciation benefits.
• Strategic Timing: Advise on asset acquisition and improvements to align with favorable tax periods and maximize bonus depreciation claims.

3-Home Office Heroics

Deduct your rightful share of mortgage and property expenses if you work from home.
Additional Benefits:

• Simplified vs. Actual Methods: Help you choose the most beneficial calculation methods to maximize deductions legally and with the least hassle.
• Deduction of Utilities & Internet: Claim a fair portion of electricity, heating, internet, and phone expenses associated with your home office.
• Compliance Assurance: Ensure your home office space meets IRS requirements to withstand audits and maintain deduction eligibility.
• Expand Deductible Space: Advise on opportunities to increase the percentage of your home qualifying for business use when feasible.

4-Tax-Optimized Mortgage Structuring

Tailored mortgage solutions aligned with your business growth, 1031 exchanges, and succession planning.
Additional Benefits:

• Interest Allocation Planning: Strategically structure mortgage payments to maximize deductible interest and reduce taxable income.
• Refinancing Strategies: Analyze refinance timing and new loan structures for optimal tax impact and cash flow benefits.
• Integration with Business Entity Planning: Align mortgage ownership and debt with your business structure (LLC, S-Corp, etc.) to optimize tax treatment and liability protection.
• Exit & Succession Considerations: Design mortgage provisions to facilitate smooth business transitions, estate planning, or sale events minimizing tax burdens.

5-Always Current

We keep your strategy updated with the latest tax laws, bonus depreciation, and incentives.
Additional Benefits:

• Real-Time Legislative Monitoring: Stay ahead of tax code changes, new deductions, credits, and stimulus opportunities relevant to your mortgage and business.
• Annual Strategy Reviews: Conduct regular reviews to adjust your tax and mortgage approaches proactively in response to evolving financial goals and regulations.
• Technology Integration: Leverage modern accounting tools to automate updates and alerts ensuring timely compliance and maximized benefits.
• Education & Communication: Keep you informed with clear, actionable updates so you understand how changes affect your finances and next steps to take.

IRS Representations & Negotiations