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Peter Holtz CPA

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Manteca, CA
Peter Holtz CPA

At Peter Holtz CPA, we are made for you. We are built to provide customized financial solutions for you and your businesses. No annoying tax professional lingo.

Just expert advice for the small business owner. Visit us: www.peterholtzcpa.com Call us: (209) 941-0189

10/27/2026

Most business owners treat their tax bill as a fixed outcome. Something the return produces and the owner pays.

It is not fixed. It is the result of every decision made — or not made — throughout the year.

Wrong entity structure. Retirement vehicles never funded. Deductions not captured because the documentation system was never built. Estimated payments sized to last year’s income while this year ran 40 percent higher.

Every one of those is a specific decision that produced a specific cost. At $500,000 in net profit the difference between a default approach and an optimized one is often $25,000 to $40,000 annually. Same revenue. The entire difference is the strategy.

Visit peterholtzcpa.com and find out what your tax bill should actually look like.

10/27/2026

You’re writing off an asset that’s going up in value every single year. That’s not a contradiction. That’s depreciation.

Real estate is one of the few investments where this works: the property appreciates while you depreciate it on paper, which means your taxable income can stay very low even while your actual cash flow stays healthy. Structured correctly, that gap is the whole point.

On top of that, rental real estate builds equity two separate ways at once — the property’s value rising over time, and your tenants paying down the mortgage principal for you.

The objection people always raise: don’t you have to recapture all that depreciation when you sell? Not if you use a 1031 exchange, among a few other strategies available to minimize that hit.

Curious whether your real estate is actually structured to take advantage of this? Book a consultation with our team — peterholtzcpa.com

10/25/2026

We all have that one squad at work that does EVERYTHING together.

10/24/2026

A lot of business owners don’t understand the difference between profit and cash flow. That’s not really the problem.

The real problem is not having anyone who will actually explain it to them.

If you’ve ever asked yourself why your sales are going up while your cash is going down, that confusion is a real signal, not a sign you’re bad at business. It usually means there’s a gap between what’s being recorded as profit and what’s actually sitting in your bank account, and nobody’s walked you through why.

What you need isn’t someone who files your return and moves on. It’s someone who sits down with your actual numbers and explains exactly what’s happening, in plain terms.

That’s the real job. Not just preparing a return. Making sure you understand your own business.

Curious why your numbers don’t always add up the way you’d expect? Book a consultation with our team —peterholtzcpa.com

10/23/2026

Reconciliation is not optional. It is the process of confirming that every transaction in your accounting software matches every transaction in your bank and credit card statements.

When those two things do not match something is missing, duplicated, or misclassified. And whatever is wrong in the books is wrong in the return.

Unreconciled books produce inaccurate returns. Inaccurate returns produce IRS notices. IRS notices produce costs that dwarf the time it would have taken to reconcile monthly.

Contact Peter Holtz CPA if your books have not been reconciled recently. The longer it waits the more it costs to fix.

10/23/2026

At what point does a business need a tax planner? Almost from day one.

Even if you’re not making much money yet, how you record your early losses and expenses matters. Those numbers carry forward against future profits — get them wrong at the start, and you lose that benefit permanently, not just for this year.

There’s a second clear signal, and it shows up later: that uneasy feeling of paying taxes while your bank account doesn’t match what you think you should have. If you’ve ever felt that and wondered what’s actually going on, that instinct is usually right.

Early or established, struggling or growing: there’s rarely a wrong time to bring in a tax planner. There’s only a more expensive time.

Curious which stage you’re actually in? Book a consultation with our team — peterholtzcpa.com

10/22/2026

The IRS does not disallow deductions because expenses were not legitimate. They disallow them because the documentation was not adequate.

A meal with a client that was never recorded. A mileage log reconstructed from memory six months later. A home office claimed on a space used for other purposes. A vehicle deducted at 100 percent business use with no log to support it.

Each of these is a deduction that may have been completely real and completely lost because the record behind it could not hold up.

Documentation has to be built at the time. Not before the audit. Not at filing. At the time the expense occurs.

10/20/2026

Almost every business owner we work with should be taking a home office deduction. Almost none of them are.

Their job doesn’t end at 5pm. They’re working nights and weekends, handling cloud-based systems, analyzing data, running point-of-sale setups, all from home. That’s real business use of real space.

Here’s where it goes wrong: a lot of preparers just say no, without actually looking at how the space is used. The real question isn’t whether you can take the deduction. It’s whether you can document it.

The space has to be used regularly and exclusively for the business, as your actual principal place of business. A home office that’s also where the kids do homework doesn’t qualify. A dedicated space you genuinely work from does.

If nobody’s ever walked through that with you, that’s worth a second look.

Curious whether your home office actually qualifies? Book a consultation with our team — peterholtzcpa.com

10/20/2026

Congratulations to our team — Peter Holtz CPA made ’s 2026 Awards, a list of top B2B companies across the globe. See the full list here: www.inc.com/power-partner-awards

10/19/2026

The extended filing deadline closed October 15. Every return filed. Every extension resolved. Every client across the finish line.

For most business owners that feels like the end of something. For us it is the beginning of the next planning cycle.

The decisions that change your 2026 tax outcome are being made right now. Q4 is open. Retirement contributions can still be funded. Equipment purchases can still qualify for bonus depreciation. Compensation adjustments can still be made before December 31.

The business owners who show up to next April without stress started this conversation in October.

Contact Peter Holtz CPA and start the 2026 year-end planning conversation before the window closes.

Address

160 N Grant Avenue
Manteca, CA
95336

Opening Hours

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

Website

http://www.PeterHoltzCPA.com/

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