FJ & Associates, PLLC

FJ & Associates, PLLC Looking for an accountant or CPA in Kaysville Utah? Come see us at FJ and Associates, PLLC. We offer Big Firm Experience without the Big Firm Price!

A Certified Public Accounting Firm located in Kaysville and Roy, Utah offering services for individuals and businesses including tax preparation, payroll, audits. We are a full service certified public accounting firm specializing in personal taxes, business taxes, business payroll, business accounting, Quickbooks, consulting, audits and more. Our Audit areas of expertise include: Assisted Housing

Audits, HUD Audits, USDA-RD Audits, Public Housing Authority Audits, Government Audits, and Non-Profit Audits. You can learn more about our auditing services by visiting http://www.theAuditExperts.com. At FJ and Associates we realize you work hard for your money; that is why we work hard to help you keep it! Our CPA's have decades of experience and will take the headache out of your bookkeeping, payroll and/or taxes without costing you an arm and a leg! So, if you are looking for accountants in Kaysville Utah who love numbers, but will never treat you like one and who love accounting so you don't have to, call us today and schedule your free consultation.

06/18/2026

One of the most important things business owners can understand about taxes is this:
Tax filing and tax planning are not the same thing.
By the time tax season arrives, many planning opportunities have already passed.
There are still a few strategies that may remain available after year-end, but the majority of meaningful planning decisions typically happen during the 4th quarter.
That’s why conversations in October, November, and December are often far more impactful than conversations in March or April.
Proactive planning creates options.
Reactive filing limits them.







06/16/2026

One of the most common bookkeeping issues we see with business owners doing their own accounting is duplicate payment recognition.
A typical example:
• the customer is invoiced
• payment is received and deposited
• the payment is entered again instead of matched to the invoice
This can cause revenue to appear much higher than it actually is.
It’s especially common in industries where checks and manual deposits are still frequently used, such as construction and field service businesses.
Accurately matching customer payments to invoices is essential for maintaining clean financial records and avoiding reporting problems later on.







06/15/2026

Many service-based business owners think only large purchases qualify as business expenses.
But often, some of the most overlooked deductions are the everyday operational tools used to run the business.
This can include:
• phones and tablets
• software subscriptions
• scheduling and invoicing tools
• internet usage
• designated home office space
If these items are necessary for operating the business, they may qualify as expenses.
For many owners, especially in the early stages, administrative work continues long after the field work is done — often from home.
Tracking these operational costs consistently can make a meaningful difference over time.







06/11/2026

A common misconception about bonds is that they always behave the same way.
In reality, there’s a major difference between owning an individual bond and owning bonds through an index or fund.
When an investor purchases a bond directly and holds it to maturity, the return structure is generally more predictable.
However, liquidity becomes limited because the investment is intended to be held long term.
Bond indexes and bond funds create more flexibility by allowing investors to buy and sell more easily.
The tradeoff is that market pricing now affects the value of those investments.
That’s why bond performance can fluctuate alongside interest rates and broader market conditions.







06/09/2026

The biggest mistake we see with year-end tax planning is surprisingly simple:
Many business owners never do it.
By the time tax season arrives, the opportunity to make many meaningful adjustments has already passed.
That’s why proactive planning in the 4th quarter is so important.
Year-end planning creates time to:
• review profitability
• evaluate purchases
• identify planning opportunities
• make strategic financial decisions before deadlines
The earlier those conversations happen, the more flexibility business owners typically have.







06/08/2026

One of the biggest misconceptions in business is that creating an LLC automatically saves money on taxes.
That’s not always the case.
For many single-owner businesses, self-employment taxes can actually create a larger tax burden than traditional W-2 employment because the owner is responsible for the full payroll tax obligation.
The real value of an LLC is often found elsewhere:
• legal protection
• separating personal and business finances
• building a proper business structure
An LLC is less about instant tax savings and more about creating a solid long-term business foundation.







06/04/2026

One of the easiest ways for business owners to accidentally create inaccurate financials is through duplicate entries in accounting software.
A common example is transferring money between accounts.
The software may recognize:
• money leaving one account
• money arriving in another account
If both transactions are manually categorized separately, the transfer can effectively be recorded twice.
This creates inflated balances and inaccurate reporting.
Automation is helpful, but understanding how transactions flow through the system is just as important.
Reviewing transfers carefully can prevent significant bookkeeping issues over time.







06/02/2026

One of the biggest challenges with 1099 earners, creators, and coaches is that tax planning often happens too late.
Many business owners come in during tax season asking:
“What could I have done differently?”
The issue is that once the year has ended, many opportunities are already gone.
Certain strategies require action before year-end — not after the return is being prepared.
That’s why proactive planning matters.
Waiting until March or April often turns tax strategy into tax reaction.
The earlier planning begins, the more options become available.







06/01/2026

For many investors, the purpose of bonds has never really been about maximizing returns.
It’s about stability.
It’s about creating income and reducing the fear of outliving retirement savings.
Traditionally, bonds and fixed-income investments helped fill that role.
But in today’s environment, many people are questioning whether low-yield fixed income alone is enough to support long-term goals.
That’s why more conversations are happening around alternative income strategies that aim to balance:
• consistent income
• downside management
• long-term growth potential
A well-structured portfolio is rarely about chasing one outcome — it’s about getting multiple pieces working together effectively.







05/28/2026

It’s very easy for business owners to mix personal and business expenses — especially in the early stages.
Using a personal card for a business purchase or a business card for something personal can feel convenient in the moment.
But over time, this creates blurred lines.
When records aren’t clearly separated, it becomes harder to support what is truly business-related.
In more serious situations, this can lead to disallowed expenses, penalties, and increased scrutiny.
If these situations do happen, proper documentation is critical.
Maintaining clear financial boundaries helps protect both the business and the owner.







Address

612 N Kays Drive, Suite 120
Kaysville, UT
84037

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18019393326

Website

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