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Spear CPA CFP

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Friendly, expert advice. Visit: www.spearcpa.com Or call: (212) 206-7336

Spear CPA CFP is a business-focused tax, accounting, and consulting firm that specializes in New York State & City businesses. Since 2004, our one-stop shop has helped hundreds of business clients with a variety of comprehensive tax and accounting services including:

Accounting/Bookkeeping
Tax Preparation & compliance
Tax Planning

We are a full service CPA firm that helps New York City businesses and professionals save between $25,000 and $100,000 in Taxes per year.

07/29/2026

If you're self-employed in New York City, you're likely paying more than 50% of your earnings to taxes if your plan isn't structured right. And unlike an employee with a pension waiting, you're building your own safety net from scratch.

The good news: retirement plans are one of the most powerful legal tools available to cut your tax bill today while building real financial independence. Done right, a plan can shelter tens of thousands of dollars a year from taxation.

In my latest post, I break down the SEP IRA, Solo 401(k), SIMPLE IRA, Traditional 401(k), and Defined Benefit Plan and how the Backdoor Roth and HSA fit into the picture for great tax savings.

Read the full breakdown here:

A NYC CPA breaks down the best retirement plans for self-employed business owners, SEP IRA, Solo 401(k), SIMPLE IRA, and more for 2026.

07/14/2026

Paying 50 cents of every dollar in taxes? If you own a business in NYC, there's a tax strategy many business owners should utilize.

It's called the NYS/NYC PTET. Instead of paying your state and city taxes personally (where a SALT cap limits your state tax deduction), your business pays them instead — and deducts the full amount, no cap.

For S-corps and partnerships only. Must sign up by March 15th, or you lose it for the year.

Full breakdown:

This link will take you to a page that’s not on LinkedIn

07/08/2026

Wrong business structure. Right structure. Same NYC business.
The difference? Often $10,000 to $40,000 a year in taxes.

I see this constantly with NYC business owners: sole proprietors overpaying self-employment tax, LLCs missing out on a major NY tax savings program, attorneys and physicians who've simply never sat down and run the numbers on S corp vs. LLC.

This week's blog post breaks down exactly how the math works, and how to know which structure actually fits your business.

If you’re a New York City business owner trying to decide between an LLC and an S corporation, the choice you make can mean the difference between overpaying the IRS by tens of thousands of dollars a year or keeping more money in your pocket. A New York City physician was referred to me by […]

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315 Madison Avenue, 3rd Floor
New York, NY
10017

Opening Hours

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

Telephone

(212) 206-7336

Website

http://spearcpa.com/

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