Sandra Fabregas-Ruiz EA

Sandra Fabregas-Ruiz EA More than 18 years of experience on tax preparation. Available all year.

05/17/2026

Ever wonder about those 'what ifs' in love? This video dives into alternative and unrequited loves, pondering the paths not taken and dreams unfulfilled.

05/15/2026

Ever felt a deep connection that just... doesn't fit? This video dives into those heart-wrenching moments of unrequited love and the bittersweet acceptance that some soulmates aren't meant for this lifetime. But hey, maybe the next one? 😉 Ready to upgrade your financial game? Visit our YouTube channel to take your business and personal finances to the next level!

05/15/2026

A veces, por más que uno lo intente, hay amores que simplemente no se dan. Esta es la exploración de cuando el deseo simplemente no está, sin importar cuánto luches. ¿Alguna vez te ha pasado? ¡Comparte tu experiencia en los comentarios!

Did you know millions of taxpayers might be missing out on significant tax refunds?Complex legal developments and a lack...
05/06/2026

Did you know millions of taxpayers might be missing out on significant tax refunds?

Complex legal developments and a lack of clear information mean many taxpayers are unaware they could be eligible for COVID-19 related penalty abatements and refunds. The critical deadline to claim these refunds is fast approaching: July 10, 2026. Missing this date could mean leaving money on the table that is rightfully yours.
The IRS Taxpayer Advocate Service highlights that relief won't be automatic.

Most eligible taxpayers must proactively file a refund claim using Form 843. Even if the law is still evolving, filing a protective claim can preserve your right to a refund. It's crucial to act now to ensure you don't miss this opportunity.

For more information on tax updates and proactive financial strategies, visit lighthousefinancialgroupusa.com.

I opened a piece of chocolate… and this was the message inside.“A smile is the quickest way to brighten a room. A refund...
05/04/2026

I opened a piece of chocolate… and this was the message inside.

“A smile is the quickest way to brighten a room. A refund is second.”

Tax season doesn’t have to feel heavy.

Because when your taxes are done right, the stress lifts… and the refund hits.

That’s what we help people do every day at Lighthouse Financial Group USA, Inc..

Save this for when tax stress kicks in.
Or send it to the friend who needs a reason to smile this season.

Is your LLC making over $60,000 a year? If so, you might be overpaying the IRS by thousands of dollars simply because of...
04/29/2026

Is your LLC making over $60,000 a year? If so, you might be overpaying the IRS by thousands of dollars simply because of how your business is structured.

Here is the problem: By default, the IRS taxes a single-member LLC as a sole proprietorship. This means you are paying a massive 15.3% self-employment tax on every single dollar of profit your business makes, right up to the $184,500 limit. As your business grows, this tax bill becomes a massive drain on your cash flow.
The solution? Electing S-Corp status. When you convert your LLC to an S-Corp for tax purposes, you split your income into two buckets: a "reasonable salary" and "owner distributions." You only pay that 15.3% self-employment tax on your salary. The distributions? They pass through completely free of self-employment tax. For a business netting $100,000, this one change can save you over $5,000 a year. At $150,000, the savings can jump to over $10,000 annually.

But there is a catch — the IRS is very strict about what qualifies as a "reasonable salary," and running an S-Corp requires proper payroll and compliance. Don't make the switch without a strategy.
Ready to find out if an S-Corp election is right for your business? Visit lighthousefinancialgroupusa.com/booking to learn more and schedule your consultation with an Enrolled Agent today.

I opened a piece of chocolate… and this was the message inside.“When you can’t control the wind, adjust your sails. — Ta...
04/29/2026

I opened a piece of chocolate… and this was the message inside.

“When you can’t control the wind, adjust your sails. — Tax season energy.”

That’s exactly how we see tax season at Lighthouse Financial Group USA, Inc..

You can’t control deadlines.
You can control how prepared you are.

Smart planning > tax stress.
Save this for when the pressure hits.
Or send it to the friend still “waiting to do their taxes.”

Did you know the IRS just finalized the rules for the new "No Tax on Tips" deduction?If you work in a tipped profession,...
04/29/2026

Did you know the IRS just finalized the rules for the new "No Tax on Tips" deduction?
If you work in a tipped profession, you might be eligible to deduct up to $25,000 in qualified tips on your tax return. But there's a catch — not all tips qualify, and there are strict income limits.

Many taxpayers are confused about what counts as a "voluntary" tip and whether their specific job is on the IRS's approved list of 71 occupations.

The solution is to understand the fine print before you file. To qualify, tips must be paid in cash or equivalent (like a credit card), and the payment must be entirely voluntary; meaning automatic gratuities or mandatory service charges don't count.

Also, the deduction phases out if your income exceeds $150,000 (single) or $300,000 (married filing jointly).

Don't leave money on the table or risk an IRS notice by claiming the deduction incorrectly. Visit lighthousefinancialgroupusa.com to learn more and stay informed on the latest tax strategies.

Did you hear about the new "No Tax on Overtime" rule for 2025? 🚨While it sounds like all overtime is now tax-free, the r...
04/27/2026

Did you hear about the new "No Tax on Overtime" rule for 2025? 🚨
While it sounds like all overtime is now tax-free, the reality is a bit more complex. The IRS guidelines state that only the *premium* portion of your overtime pay (the extra amount above your regular wage) qualifies for the new above-the-line deduction. Your base wages are still subject to federal taxes!

If you're a single filer earning under $150,000 or married filing jointly under $300,000, you could deduct up to $12,500 (single) or $25,000 (joint) of qualified overtime premiums. This reduces your Adjusted Gross Income (AGI) without needing to itemize.

Don't miss out on these savings by misunderstanding the rules. Proper tax planning can help you maximize this new deduction and keep more of your hard-earned money.

Get our W-2 Tax Savings Checklist at lighthousefinancialgroupusa.com to ensure you're taking advantage of every deduction available to you!

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33065

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