Union National Tax

Union National Tax Serving Virtually Nationwide. We are a local tax company with over 11 years of experience preparing taxes, payroll and bookkeeping. Tax season can be stressful.

Union National Tax is a team of IRS Enrolled Agents, Tax Strategist and CPAs with over 20 years of experience helping individuals and business owners minimize taxes, stay compliant, and build financial confidence year-round. With no corporate overhead, we can offer the same services as other tax companies at a friendly, affordable price. We're licensed by the IRS in all 50 states to file your taxe

s and help you get the refund your deserve. We file electronically so your taxes and information are safe, secure, and you can be reconciled as quickly as possible. Let us help you make this year's taxes as simple as possible.

Why Your Bookkeeper Might Be Costing You More Than They're SavingThere's a quiet financial leak happening in thousands o...
06/23/2026

Why Your Bookkeeper Might Be Costing You More Than They're Saving

There's a quiet financial leak happening in thousands of small businesses across the country. It's not a missed deduction or a late filing penalty. It's the invisible cost of having the wrong financial function in your business.

That function is bookkeeping.

I've seen it firsthand: a $2M consulting firm paying a bookkeeper $45,000/year to reconcile accounts and generate financial statements—but never once being told that their average collection period for receivables was 67 days, or that their job costing data showed margin had dropped 8 points year-over-year.

The bookkeeper wasn't doing anything wrong. They were just doing the wrong job.

Bookkeeping vs. Financial Strategy: The Critical Distinction

A bookkeeper's primary function is to record what already happened. They categorize transactions, reconcile bank statements, ensure payroll is processed, and generate financial statements.

A CFO's primary function is to interpret what's happening and guide decisions about what should happen next. They analyze financial data, identify trends, model scenarios, and help you make better decisions about pricing, hiring, investment, and cash flow.

Most small businesses have a bookkeeper. Very few have a CFO. And the businesses that are growing fastest are the ones that figured out they needed both—or at least one person who can do both.

The Invisible Cost: What Bad Financial Visibility Actually Costs

Most business owners don't realize how expensive poor financial visibility is until they're in a cash crisis.

Here are the three most common costly situations we see when we take over financial visibility for a new client:

1. Mispriced contracts: Without accurate job costing or margin data, companies don't realize they're losing money on certain clients or project types until it's too late.

2. Cash flow surprises: Revenue looks healthy on paper, but the bank account is always tight. Usually this means slow collections, uneven billing cycles, or revenue recognition timing issues—none of which show up on a basic P&L.

3. Tax surprises: When bookkeeping is only done for compliance (once a year at tax t

LLC, S-Corp y C-Corp: el impacto fiscal real para los propietarios de pequeñas empresas en 2026Toda estrategia fiscal co...
06/22/2026

LLC, S-Corp y C-Corp: el impacto fiscal real para los propietarios de pequeñas empresas en 2026

Toda estrategia fiscal comienza con la selección de la entidad. Muchos dueños de negocios eligen una LLC por defecto, pero no siempre es lo óptimo. La estructura correcta puede ahorrarle miles de dólares en impuestos por cuenta propia.

Aquí tiene el desglose para decidir:

LLC: Simple pero no optimizada fiscalmente
Una LLC de un solo miembro tributa como empresa unipersonal por defecto. Todas las ganancias pasan a su declaración personal y paga un 15.3% de impuesto por cuenta propia sobre el total. Si su negocio gana menos de $80,000 o $100,000 en beneficio neto, esta estructura es aceptable por su simplicidad y protección legal. Por encima de eso, está perdiendo dinero.

S-Corp: La herramienta de ahorro olvidada
Una S-Corp le permite dividir las ganancias en dos: un salario razonable (sujeto a impuestos de nómina) y distribuciones (libres de este impuesto).

Ejemplo con $180,000 de beneficio neto: Con una LLC, paga el 15.3% sobre los $180,000 (~$27,540). Con una S-Corp, si se asigna un salario de $70,000 y $110,000 en distribuciones, solo paga impuestos sobre los $70,000 (~$10,710). Ahorro: ~$16,830.

La condición: El IRS exige que el salario sea una "compensación razonable". Si es sospechosamente bajo, reclasificarán sus distribuciones y aplicarán multas.

C-Corp: Solo para ingresos altos
Una C-Corp enfrenta una doble imposición: paga la tasa corporativa (21%) y usted vuelve a pagar impuestos personales sobre los dividendos. Solo tiene sentido si planea levantar capital de riesgo, reinvertir grandes sumas o si sus ingresos netos superan los $250,000-$300,000.

Regla general según su beneficio neto:
Menos de $80K: Una LLC por defecto es suficiente.

$80K a $250K: Considere seriamente la S-Corp.

Más de $250K: Analice escenarios entre S-Corp y C-Corp con su contador.

La elección de entidad no es permanente; puede cambiarla. El mejor momento para elegir una S-Corp es el 1 de enero del año fiscal (o dentro de los primeros 75 días). Si está en el último trimestre del año y superará el umbral de los $80K, consulte ya con su estratega fiscal.

📊 What a Fractional CFO Actually Does for a Small Business (And When to Hire One)Your bookkeeper gives you numbers. A CF...
06/19/2026

📊 What a Fractional CFO Actually Does for a Small Business (And When to Hire One)
Your bookkeeper gives you numbers. A CFO helps you decide what to do with them. 💡

That distinction is everything. If you've been running your business on a P&L you barely understand, with no real financial model, no forecasting, and no one asking "what's the plan for that cash?" — you don't need a better bookkeeper. You need a CFO.

🤔 What "Fractional CFO" Actually Means
"Fractional CFO" is a practical term for a senior financial operator who works with your business on a part-time or project basis — without the heavy overhead of a full-time executive salary.

What it is NOT:

A part-time employee: You get executive-level strategic depth, not a junior seat-filler.

A CPA or tax preparer: CPAs file returns. CFOs make decisions.

A generic business consultant: We don't deal in vague advice; we work deep inside your actual numbers.

A fractional CFO has seen dozens of businesses at your stage, knows which decisions actually move the needle, and stands in your corner building the financial architecture of your company.

⚙️ What We Actually Do (Day-to-Day)
Forget standard job descriptions. Here is what it looks like when a fractional CFO engagement is working:

Cash Flow Forecasting: Not a spreadsheet you update once a quarter, but a living model. If you hit a specific revenue number, it shows exactly what hits your bank account. If sales slip, it tells you exactly when you need to cut burn. No more cash position surprises.

KPI Tracking That Matters: We identify the 5–7 numbers in your business that actually tell you if you're winning or losing. Revenue is a vanity metric; margin, days sales outstanding (DSO), and LTV to CAC ratios are what matter.

Data-Driven Pricing Decisions: Want to raise prices? We will model the customer loss rate against the margin improvement to find the exact price point where you come out ahead — even if you lose 20% of your clients. (Spoiler: It’s usually higher than you think).

Financial Modeling for Growth: Before you sign a new lease, hire an executive, or buy heavy equipment, we build the model that proves whether it works on paper first.

Tax Strategy Alignment: A CFO and a tax strategist working together means financial decisions and tax decisions get made at the same time. Not after the fact. Not in April.

🚦 Who This Is Right For
A fractional CFO engagement makes sense if:

You’re doing $500K+ in revenue and flying blind. You know you’re profitable, but you can’t explain why cash is always tight.

You're preparing for a loan or investor conversation. You need someone to build the financial model, the projections, and the story — not just hand over cleaned-up books.

You're making major moves on "gut feeling." You hired someone or took on a major contract without a model backing it up.

You’ve outgrown your bookkeeper. They keep the books pristine, but they can't tell you what the data means for your future.

💰 What It Costs & What ROI to Expect
Let's be direct: fractional CFO work isn't cheap because you're paying for strategic depth, not data entry. However, most engagements deliver a clear ROI within 60–90 days of the first major decision.

Consider the real-world math:

A pricing adjustment that adds 3–5 points of margin on $800K revenue = $24,000–$40,000 in additional profit.

A cash flow model that prevents a credit line draw at 12% interest during a slow quarter.

Tax strategy alignment that shifts $50K of income into a lower-tax quarter via strategic timing.

📊 The first major decision your CFO helps you make should completely pay for the engagement.

🤝 Let's Talk About Your Numbers
Ready to stop guessing and start scaling with clarity? Let’s look under the hood of your business financials.

🗓️ Schedule a 15-minute conversation with Jason at Union National Tax: https://link.agent-crm.com/widget/bookings/15-with-jason

We'll talk about where your business stands, what's actually happening with your numbers, and whether a fractional CFO makes sense for you right now. If it doesn't, we will be the first to tell you.

06/08/2026

Are you leaving money on the table? 💸 Just because you have an LLC doesn’t mean your business is structured for maximum tax savings. If you're paying too much in self-employment taxes, it might be time to look into an S-Corp election or restructure.

Stop overpaying the IRS. Drop a DM or click the link in our bio to get a smart strategy session with our tax experts. 📈

06/02/2026

Stop chasing more sales if your bucket has a hole in it! 🛑

A lot of business owners think the answer to their financial stress is just "more revenue." But if your tax structure isn't set up correctly, higher sales just mean a bigger tax bill—and the exact same level of stress.

Work smarter, not harder. Let’s fix your setup so you can actually keep what you earn.

👉 Follow for smarter business finances.

Hashtags:

A roofing contractor called me last October.He'd just gotten off the phone with his CPA.$38,000 tax bill. Due in 90 days...
06/02/2026

A roofing contractor called me last October.

He'd just gotten off the phone with his CPA.
$38,000 tax bill. Due in 90 days.

He thought something was wrong. An error. A mistake.
There was no mistake.

He'd been running his LLC the same way for 6 years. Making more money every year. Paying more taxes every year. Never questioning it.

His CPA filed accurately. Did nothing illegal. Charged him $800 to do it.
The problem wasn't the filing. The problem was the structure.

He'd never been set up as an S-Corp. Which meant every dollar of profit was subject to self-employment tax — on top of income tax.

We restructured him in November. Ran payroll correctly. Set up an accountable plan.

His 2024 tax bill? $14,200.

Same revenue. Same business. $23,800 difference.

If you're a contractor pulling in $150K+ and you've never had this conversation — you need to.

Not with me necessarily. Just with someone who actually does tax strategy, not just tax filing.

There's a difference. Most people find out what that difference costs them the hard way.

Happy to run the numbers for anyone curious. Link in comments.

05/28/2026

Trevor Noah explains a concept in this video that most business owners never fully understand.

And after working with businesses for more than 20 years, I can tell you this:

The wealthiest people I know don’t focus on making more money.

They focus on owning more assets.

That’s a very different mindset.

Most people spend their entire lives chasing income.

A bigger salary.
A bigger commission.
A bigger bonus.

But income is typically the most heavily taxed form of money you can earn.

Business owners who build real wealth eventually learn a different game.

They build assets.

Businesses.
Real estate.
Intellectual property.
Investments.
Systems that can grow in value over time.

Why?

Because income is taxed when you earn it.

Assets can appreciate for years without triggering tax until they’re sold.

That’s one of the reasons you’ll often hear the phrase:

“Don’t just work for money. Build something that works for you.”

Now, before anyone gets upset, I’m not saying everyone should become a billionaire.

What I am saying is that most entrepreneurs spend too much time working IN the business and not enough time building the value OF the business.

As a Fractional CFO and tax strategist, I’ve seen this firsthand.

The owners who create lasting wealth are usually the ones who eventually shift from asking:

“How much income did I make this year?”

To asking:

“What asset did I build this year?”

That single mindset shift can change the trajectory of a business.

So here’s my question:

If you stopped looking at your business as a source of income and started looking at it as an asset, what would you do differently today?

👇 Drop your answer in the comments.

♻️ Repost this if you know a business owner who’s working hard but hasn’t yet made the shift from earning income to building wealth.

🔔 Follow me for insights on tax strategy, business growth, cash flow, and building a business that’s worth more than just this year’s profits.

:

05/27/2026

Simon Sinek explains this better than most people.

After working with businesses for over 20 years as a financial advisor, tax strategist, Fractional CFO, and IRS Enrolled Agent, I can tell you this pattern is absolutely real.

I’ve sat across from highly intelligent business owners…
Some making $200K a year.
Others making millions.

And the biggest difference usually wasn’t intelligence, education, or even opportunity.

It was how they responded under pressure.

Because eventually every entrepreneur gets tested.

An IRS notice arrives.
Payroll is due.
Cash flow gets tight.
A major client leaves.
A project fails.
A deal falls apart.

That’s when you discover the mindset behind the business.

Some people panic.

They avoid the numbers.
Blame employees.
Blame the economy.
Blame everyone except themselves.

Others do something completely different.

They slow down.
Face reality.
Control their emotions.
Adjust strategy.
Protect the team.
And move forward anyway.

Ironically, those are usually the people who continue building wealth long term.

One thing I’ve learned working inside businesses for over two decades:

Financial leadership is emotional leadership.

Because a business can rarely grow beyond the emotional stability of the person leading it.

The entrepreneurs who survive difficult seasons are usually the ones who can stay calm while everyone else is losing control.

So I’ll leave you with this:

→ What do you tell yourself when things are going well?
→ What do you tell yourself when things fall apart?

Because eventually, that internal conversation becomes your business reality.

05/26/2026

You wouldn’t skip leg day, so don't skip out on your financial planning! 🏋️♂️ If you want to scale your business and keep more of your hard-earned money, you need a solid strategy before the new quarter hits.

Here is your 4-step checklist to get ahead:
1️⃣ Compare this year's revenue and expenses to last year's.
2️⃣ Review your top 3 expense categories for saving opportunities.
3️⃣ Set clear budget & revenue goals.
4️⃣ Schedule your Q1 tax planning early!

Stop reacting to your finances and start directing them. Drop a 🔥 if you're ready to level up your business planning this year!

05/22/2026

Think your business expenses are safe? Think again! 🧐 Most IRS audits happen because of one specific form. Watch as we break down the red flags that put you on the IRS radar and how to protect yourself. 🛡️ Don't let "sham" expenses lead to an audit!

Address

285 E 950 S (Basement Suite)
Orem, UT
84058

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm
Saturday 9am - 5pm

Telephone

+13854255410

Website

Alerts

Be the first to know and let us send you an email when Union National Tax posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Union National Tax:

Shortcuts

Share

Category