Prospera Financial Architects

Prospera Financial Architects Providing:
-TAX STRATEGIZING
-ACCOUNTING
-BOOKKEEPING
(1)

Helping business owners increase their wealth by leveraging the tax laws in order to keep more money in their pocket, grow their reirement, build a legacy and achieve financial freedom.

Does your business own commercial real property? A closer look at your building costs could change how quickly you can d...
05/29/2026

Does your business own commercial real property? A closer look at your building costs could change how quickly you can deduct those expenses.

Business buildings generally have a 39-year depreciation period. A cost segregation study separates various building components, such as electrical systems and flooring. It then allows these components to be reclassified and deducted over a much shorter period, thereby deferring taxes and boosting cash flow. Recent tax law changes enhanced these benefits by increasing first-year depreciation write-offs.

Call us at (713) 810-2300 to discuss whether this strategy is right for your business. We can determine reasonable cost allocations to help withstand IRS scrutiny.

Many taxpayers discover at filing time that their tax payments during the year didn’t align with their actual liability ...
05/26/2026

Many taxpayers discover at filing time that their tax payments during the year didn’t align with their actual liability — either too much or too little was withheld from their paychecks. Keeping withholding aligned with expected tax liability can help you enjoy better cash flow during the year and avoid unwelcome surprises at filing time.
If you received a large refund or owed a lot of tax when you filed your 2025 return, it may be beneficial to fine-tune your withholding for 2026. Adjustments may also be a good idea if you experience a major life event, such as having a child.
We can help you review your withholding (and estimated tax payments, if applicable) and make any needed changes. Call us at (713) 810-2300 to get started.

It’s almost never too late to start planning for retirement. Whether you already have large 401(k) or IRA balances or ar...
05/25/2026

It’s almost never too late to start planning for retirement. Whether you already have large 401(k) or IRA balances or are starting from scratch, we can help craft a strategy that reflects your personal situation and addresses your goals. So start thinking about what’s important to you: Building a big nest egg, reducing income tax liability, something else … We’re here to help make it possible!

C corporation shareholders usually owe tax on gains from selling stock. But qualified small business (QSB) stock sales m...
05/21/2026

C corporation shareholders usually owe tax on gains from selling stock. But qualified small business (QSB) stock sales may qualify for a special gain exclusion. To be eligible for this break, certain requirements must be met.

QSB stock acquired after Sept. 27, 2010, may be eligible for a 100% gain exclusion if it’s held for at least five years. Under recent tax law changes, QSB stock acquired after July 4, 2025, may be eligible for a partial gain exclusion if it’s held for at least three years.

Call us at (713) 810-2300 to learn whether this tax-saving strategy is right for your business. We can help structure your business to unlock the potential tax savings and navigate the complex rules.

Business owners: If you’re only reaching out at tax time, you may be missing some valuable insights. Why stop at tax fil...
05/20/2026

Business owners: If you’re only reaching out at tax time, you may be missing some valuable insights. Why stop at tax filings? Let us help you make smarter business decisions year-round — from improving cash flow to navigating economic uncertainty to planning for growth. Please call us at (713) 810-2300 to learn more about how we can support your strategic goals.

Large stock market gains in recent years, coupled with volatility in 2026, may have left you with a portfolio that’s out...
05/19/2026

Large stock market gains in recent years, coupled with volatility in 2026, may have left you with a portfolio that’s out of balance with your desired asset allocation. If you haven’t rebalanced recently, it may be time. Careful planning can minimize the tax cost. Say your portfolio is overweighted in large-cap U.S. stocks. You can save 2026 taxes if you sell some of this appreciated stock from a retirement account because the gain won’t be taxed. If you need to sell the stock from a taxable account, see whether there are assets in the account you can sell at a loss. The recognized loss can offset some or all of your capital gains. Contact us at (713) 810-2300 to discuss other tax-smart strategies.

An estate plan helps ensure that your assets are distributed according to your wishes. It also can minimize taxes, safeg...
05/18/2026

An estate plan helps ensure that your assets are distributed according to your wishes. It also can minimize taxes, safeguard your minor children and support your charitable goals. If you haven’t reviewed your estate plan recently, call us at (713) 810-2300. We can help assess whether revisions are needed due to tax law changes or a major life event. If you don’t have an estate plan yet, we can help you get started.

LLC and LLP owners: Can you deduct your business losses this year? The answer may depend on whether your activity is con...
05/14/2026

LLC and LLP owners: Can you deduct your business losses this year? The answer may depend on whether your activity is considered passive according to the IRS’s passive activity loss rules.

Under these rules, you generally can use passive losses only to offset income from other passive activities. If you meet certain “material participation” criteria, however, you may be able to offset LLC or LLP losses against nonpassive income, such as wages, interest, dividends and capital gains — but the rules can be complex, especially for limited partners.

Call us at (713) 810-2300 for guidance on tracking your participation hours, applying the material participation test and maximizing business loss deductions.

Can business debt become personal? In some cases, yes. If you’re a sole proprietor or a general partner in a partnership...
05/13/2026

Can business debt become personal? In some cases, yes. If you’re a sole proprietor or a general partner in a partnership, you’re personally liable for business debts. Owners of corporations and limited liability companies are generally protected from personal liability, unless they personally guarantee a loan, commit fraud or fail to keep business and personal finances separate. Payroll taxes are different. The IRS can assess the Trust Fund Recovery Penalty to hold owners, officers or other responsible individuals personally liable for unpaid withheld payroll taxes, regardless of the business structure. This applies even if the business declares bankruptcy. Call us at (713) 810-2300 with questions.

Here are a few key tax-related deadlines for individuals for the second half of 2026. SEPT. 15: Pay the third installmen...
05/12/2026

Here are a few key tax-related deadlines for individuals for the second half of 2026. SEPT. 15: Pay the third installment of 2026 estimated taxes, if applicable. OCT. 15: File a 2025 income tax return and pay any tax, interest and penalties due if an automatic six-month extension was filed. DEC. 31: Incur various expenses that potentially can be deducted on your 2026 tax return. Call us at (713) 810-2300 for more information about the filing requirements and to help ensure you meet all deadlines that apply to you.

Holding real estate within your operating company may lead to unfavorable tax outcomes and increased risk. For example, ...
05/11/2026

Holding real estate within your operating company may lead to unfavorable tax outcomes and increased risk. For example, office or warehouse space owned by a C corporation is generally subject to double taxation when it’s sold. Or, if a customer is injured on company property, other business assets could be at risk. Separating real estate into its own entity, such as a limited liability company or partnership, can help reduce your exposure and provide greater flexibility for long-term planning. Call us at (713) 810-2300 to review your business structure and determine the best fit for your situation.

Address

Houston, TX

Opening Hours

Monday 9am - 3pm
5pm - 7pm
Tuesday 9am - 3pm
5pm - 7pm
Wednesday 9am - 3pm
5pm - 7pm
Thursday 9am - 3pm
5pm - 7pm
Friday 9am - 3pm
5pm - 7pm

Telephone

+18329686673

Website

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