Peter Holtz CPA

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

Why Some Business Owners Pay Far Less in Taxes — Legally.The business owners who consistently minimize their tax burden ...
05/29/2026

Why Some Business Owners Pay Far Less in Taxes — Legally.

The business owners who consistently minimize their tax burden do it through deliberate, year-round strategy.

They choose the right entity structure for their income level. An S-Corp election at the right time can save tens of thousands in self-employment tax alone.

They max out retirement contributions. SEP-IRAs, Solo 401(k)s, and defined benefit plans allow business owners to shelter significant income — legally.

They document and capture every deductible expense. Tracked, categorized, and ready.

They time income and deductions strategically — deferring income in high-revenue years, accelerating deductions before year-end.

And they work with a CPA proactively — not just at filing time.

Strategy is the difference. And it's available to any business owner willing to plan ahead.

Contact Peter Holtz CPA to start building the strategy that keeps more money in your business.

05/28/2026

You route a portion of your required reasonable compensation into a cash value life insurance contract. It grows tax-deferred, comes out tax-free, and stays liquid if you ever need access.

Three reasons it works:
→ Protects your family with the insurance benefit
→ Highly secure and liquid
→ Growth is permanently tax-free

Your 401(k) and SEP IRA still have a place. Use them.

But if you're an S-corp owner trying to put real money away — money you'll never owe tax on again — Section 162 is one of the most underused tools out there.

Most preparers cap you at $7K and call it a day.

A strategist shows you the whole menu.

Most business owners don't get in trouble with the IRS because they cheated. They get in trouble because they weren't pa...
05/28/2026

Most business owners don't get in trouble with the IRS because they cheated. They get in trouble because they weren't paying attention.

Missed quarterly estimated tax payments. Misclassified workers. Personal expenses mixed with business accounts. Late filings. Missing 1099s.

None of these are malicious. Most are honest oversights. But the IRS treats them the same — with penalties, interest, and in serious cases, audits.

The businesses that stay out of trouble aren't doing anything complicated. They're staying organized, filing on time, keeping clean books, and working with professionals who know the rules.

Compliance isn't just about avoiding problems. It's about protecting everything you've built.

Stay ahead of it — before the IRS has to remind you.

📞 Contact Peter Holtz CPA to make sure your business stays fully compliant.

05/26/2026

People ask me all the time: "What are the three things a tax planner never wants to hear?"

My honest answer? Zero. There's nothing I don't want to hear.

Client calls me on December 23rd — their company just went public and they've got a $4 million W-2 hitting their account. Tight window. Tough situation. But every difficult scenario is an opening to get creative and apply strategy.

But here's the truth:
The more I know about your business — how it runs, what's coming, what already happened — the more taxes I can save you and the better I can structure things for the long haul.

So tell me everything. The mess, the surprises, the "I should've called you sooner." That's not a problem.

That's where the strategy starts.

05/25/2026

Memorial Day means something different to everyone.

For me, it always brings me back to my father.
After Pearl Harbor, he tried to enlist twice and was rejected because of his eyesight. But he kept trying until he found a way to serve in Patton’s Third Army during World War II.

That decision changed everything.
It’s the reason I’m here today.

As I’ve gotten older, I’ve come to appreciate the weight carried by people willing to step up, take responsibility, and serve something bigger than themselves.

That’s one reason I’ve always respected business owners so deeply too. Different battlefield, same responsibility. They carry risk, provide for families, create opportunity, and keep moving forward even when nobody sees the pressure behind the scenes.

This Memorial Day, we remember the people who sacrificed for this country and the freedoms we often take for granted.

Thank you to all who served — and to the families who carried those sacrifices with them.

Peter

05/24/2026

Most cash flow problems aren't revenue problems. They're planning problems.
Tax laws shift. Deductions change. Your income moves up and down all year. If you're only thinking about taxes once a year — in April — you're not managing your business. You're reacting to it.
That's the difference between a tax preparer and a tax strategist.
Quarterly tax planning meetings let you:

Catch new deductions before the year closes
Recalculate what you actually owe
Legally cut the tax bill down
Set the right cash aside — in advance

Good planning lowers your taxes. Great planning protects your cash flow.
And in the rare case taxes can't be reduced any further? You're not blindsided in April. You're ready.
That's what staying in control actually looks like.

Please note that our offices will be closed on Monday, May 25, 2026, in observance of Memorial Day.As we take this time ...
05/24/2026

Please note that our offices will be closed on Monday, May 25, 2026, in observance of Memorial Day.

As we take this time to pause, we honor and remember the brave men and women who made the ultimate sacrifice in service to our country. Their courage, sacrifice, and dedication continue to inspire gratitude and reflection.

We are deeply thankful for those who gave their lives to protect the freedoms we enjoy today.

Our offices will resume normal business hours the following business day.

Wishing everyone a meaningful and reflective Memorial Day weekend.

Growth is a good problem to have — until tax season arrives and the bill is bigger than expected.When revenue increases,...
05/23/2026

Growth is a good problem to have — until tax season arrives and the bill is bigger than expected.

When revenue increases, so does your tax exposure. Deductions that worked last year may not be enough this year. Your entity structure may need a second look. Your estimated payments may need to be recalculated.

A growing business needs a tax strategy that grows with it.

Contact Peter Holtz CPA to make sure your strategy matches where your business is today.

05/23/2026

If you're hitting $200K as a sole proprietor and your tax bill is twice what it should be, there's only one reason — and it's not you.

It's the person doing your taxes.

Most preparers fill in the boxes. They don't tell you HOW to save — they just tell you what you owe. At $200K, the conversation that could save you tens of thousands a year is simple. Easy. And year after year, you're leaving that money on the table because nobody's having it with you.

A tax preparer files. A tax strategist plans.

Make sure the person doing your taxes is actually interested in helping you keep more of what you earn.

05/21/2026

Recent updates regarding overtime taxation have created some confusion. While headlines suggest “no tax on overtime,” the reality is more nuanced. The new provisions exclude a limited portion of overtime income from taxation—it is not a full exemption.

Importantly, this change affects the employee’s tax liability, not the employer’s payroll cost. Your business will still incur the same overtime wage expense.

The key consideration for employers is accurate reporting. Payroll systems must properly classify and report qualifying overtime to ensure compliance and correct withholding. Most payroll providers are implementing these updates, but oversight remains essential.

Understanding how changes in tax law interact with payroll systems helps prevent errors and ensures your team receives the intended benefit.

What Most Business Owners Don't Realize About Estimated Tax PaymentsThe IRS expects business owners to pay taxes as they...
05/21/2026

What Most Business Owners Don't Realize About Estimated Tax Payments
The IRS expects business owners to pay taxes as they earn, not just at year-end.

When those quarterly payments are skipped or underpaid, you don't just owe the balance — you owe interest and penalties on top of it.

The businesses that stay ahead of this aren't lucky. They're working with a strategy.

Reminder: The next estimated tax deadline is June 16, 2025. Don't wait until it's too late to plan.

Contact Peter Holtz CPA to get your estimated payments on track before the deadline.

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Manteca, CA
95336

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