Swift.CPA

Swift.CPA Providing Bookkeeping, Tax and CFO services for Privately Owned Busineess. Book a free consultation with our CPA experts.
(1)

Swift.cpa: Your Partner in Small Business Accounting, Tax and CFO Services. At Swift.cpa, we are dedicated exclusively to serving Privately Owned businesses Our team, comprising Certified Public Accountants, QuickBooks ProAdvisors, and experienced CFO's, brings over two decades of expertise to the table. We provide a comprehensive suite of services, including tax preparation, technology stack inte

gration, and bookkeeping, all meticulously tailored to the unique needs of your industry. Embrace the opportunity to elevate your business with our free consultation. Let us handle the complexities of tax and accounting, empowering you to dedicate your energy to addressing your business in the areas that you have expertise. Let us partner up with you and take your company to new heights. Contact us today and discover how we can support your mission to succeed and grow.

Most of our clients got refunds this year! Huge refunds!Why? A lot of business owners write big checks to the IRS and th...
05/07/2026

Most of our clients got refunds this year! Huge refunds!
Why?

A lot of business owners write big checks to the IRS and think:
“This is just how it works.”
But here is the truth.
The tax code is not just a rule book.
It is a ROAD MAP.

The problem?
Most business owners only look at taxes once a year.
Usually when it is already too late.

By then, your CPA is not planning.
They are reporting what already happened.

And that is the big mistake.

You do not lower your taxes by filing a tax return.
You lower your taxes by making better moves BEFORE the year ends.

That means looking at things like:
Your entity structure
Your bookkeeping
Your deductions
Your payroll
Your assets
Your investments
Your cash flow
Your tax plan

Here is the key idea:
IF YOU WANT TO CHANGE YOUR TAX, YOU HAVE TO CHANGE YOUR FACTS.

Business owners have more options than W-2 employees.
But only if the business is set up right.
Only if the books are clean.
Only if the tax plan is done early.
Only if your CPA, bookkeeper, and advisor are actually working together.

We are both the bookeeper and the CPA at Swift.CPA so we are making the plan happen real time....Every month.
If you are not leveraging this type of coordination between your books and your tax you most likely are losing lots of money needlessly.

The bookkeeper tracks the numbers.
The CPA files the return.
But no one is driving the car with the full map.

And when no one owns the strategy…
The IRS gets paid first.

The goal is not to “hide” money.
The goal is to use the rules the right way.

The tax code rewards business owners who create jobs, build assets, invest, and plan ahead.
But you have to know which moves apply to you.
And you have to document them the right way.

This is why tax planning cannot wait until March.
Or April.
Or the week your return is due.

The best time to plan is BEFORE the tax bill shows up.
Because by then, your options may be gone.

If you own a business, your tax bill is likely one of your largest expenses.
That means even small planning gaps can cost you real money.

And smart planning can put real cash back into the business.

More cash for growth.
More cash for payroll.
More cash for equipment.
More cash for peace of mind.

Your tax return should not be a surprise.
Your numbers should not be a mystery.
And your CPA should not only show up after the year is over.

If you are tired of guessing what you owe…
Or wondering if you are paying too much…
It may be time to get a real tax plan in place.

At Swift.CPA, we help business owners clean up the numbers, plan ahead, and make smarter tax moves before it is too late.
And we have the track record to prove it. Almost every client we had received refunds this year!!!

03/13/2026

EXCITING NEWS!

WE ARE RANKED TOP 3 ACCOUNTING FIRM IN OUR AREA FOR 2025!

Based on our Google Business Account and algorithim assessment we were awared top ranking.

Thank you to all our clients that posted on Google and left stellar reviews!

Thank you to our team members that truly gave it all they got, even working on Saturday and Sunday to provide exceptional care and attention to our clients.

We love you and are very appreciative for all your dedication and hard work.

HERE ARE 11 TAX WRITE OFFS MOST BUSINESS OWNERS MISSKnow that the tax codes were written for Business Owners…So might as...
03/13/2026

HERE ARE 11 TAX WRITE OFFS MOST BUSINESS OWNERS MISS
Know that the tax codes were written for Business Owners…So might as well take the breaks that are handed to you.

I see this all the time…

Business owners, 1099 workers, and side hustlers spend money all year long...

Then forget to claim the tax breaks that could lower what they owe.

THAT IS HOW PEOPLE OVERPAY.

Some of the biggest missed write-offs include:

1_ HOME OFFICE

2_ CAR USE

3_ HEALTH INSURANCE

4_ RETIREMENT SAVINGS

5_PAYING YOUR CHILDREN TO WORK IN THE BUSINESS

6_ADVERTISING

7_TECH AND SOFTWARE

8_ TRAVEL

9_ MEALS

10_ HEALTH CARE YOU PAY OUT OF POCKET

11_ DEPRECIATION

These are not weird loopholes.

These are real tax rules that business owners may be able to use when done the right way.

One of the biggest examples is the QBI DEDUCTION.

Many business owners may qualify to deduct up to 20% of their business income.

That alone can create HUGE tax savings.

And yet, many people miss it.

Let me elaborate more on the list above:

A big one is DEPRECIATION.

That means certain business purchases like equipment, computers, furniture, vehicles, and more may be written off over time, or sometimes much faster.

Then there is your VEHICLE.

If you use your car for business, part of those costs may count.

Gas, insurance, repairs, maintenance, and even mileage can all matter.

And yes, your HOME may matter too.

If you use part of your home ONLY for business, you may qualify for the home office deduction.

Health costs can matter. Think what you pay out of pocket. Here is a couple of items at the top of my head:
• Doctor visits
• Hospital bills
• Prescriptions
• Dental procedures
• Vision care
• Mental health therapy
• Physical therapy
• Chiropractic care
• Medical equipment
• Lab testing
• Fertility treatments
• Certain home medical modifications

Retirement contributions can matter.

Even the money you spend on ADS, SOFTWARE, and TOOLS to grow your business can matter.

HERE IS THE BIG IDEA:

A lot of what you are already paying for may help reduce your taxes.

But only if you track it.

And only if you claim it the right way.

Do not assume your CPA caught everything.

Do not assume tax software knows your full story.

And definitely do not wait until tax season is over to care about write-offs.

By then, the damage is usually done.

SMART BUSINESS OWNERS PLAN BEFORE YEAR END.

That is where the real savings usually happen.

If you own a business and want to stop leaving money on the table, start by reviewing the write-offs you may be missing right now.

The IRS is not giving out trophies for overpaying.

If you want help finding tax savings in your business, send me a message.

5 New Crazy Tax Writes Offs for Business Owners _ NEW FOR 2025Right now there are several tax provisions that allow busi...
03/09/2026

5 New Crazy Tax Writes Offs for Business Owners _ NEW FOR 2025

Right now there are several tax provisions that allow businesses to WRITE OFF 100% of certain purchases.

Yes… the FULL amount.

In the SAME YEAR.

Meanwhile, many successful business owners are still spreading deductions over 5, 10, even 39 years… when they may not have to.

THE WEALTHY ALREADY KNOW THIS.

They plan their purchases strategically.

They grow their business AND reduce their taxes at the same time.

Here are FIVE BIG AREAS where 100% write-offs may apply:

1-VEHICLES USED FOR BUSINESS

Certain vehicles used more than 50% for business may qualify for 100% expensing.

In some cases, the entire purchase price can be deducted in the year the vehicle is placed into service.

But the rules matter.

Vehicle weight, business use, and documentation are critical.

2-EQUIPMENT AND MACHINERY

Many businesses rely on equipment to make money.

Tools
Computers
Software
Furniture
Heavy machinery
Industry-specific equipment

Under the right rules, these purchases can often be FULLY deducted in the year you buy them.

Example.

A contractor buys $100,000 of equipment.

Instead of spreading that deduction across multiple years…

They may be able to deduct the FULL $100,000 immediately.

3-REAL ESTATE IMPROVEMENTS

This one surprises a lot of people.

Many upgrades to rental or commercial property can qualify for accelerated deductions.

Examples include:

Flooring
Appliances
Landscaping
Fencing
Lighting
Drainage systems
Interior improvements

Instead of waiting years to recover those costs…

Some owners can deduct them in the SAME YEAR.

4-REAL ESTATE COST SEGREGATION

When purchasing a property, a cost segregation study can break parts of the building into shorter depreciation categories.

This allows certain components to be written off much faster.

Some investors use this strategy to dramatically reduce their tax bill while still benefiting from appreciation and rental income.

5-RESEARCH AND DEVELOPMENT

If your company is improving a product, process, system, or software…

You may qualify for significant deductions.

And possibly additional R&D tax credits on top of that.

The important thing to understand is this:

THE PURCHASE ALONE DOES NOT CREATE THE TAX STRATEGY.

The PLANNING does.

The biggest tax savings usually happen when the strategy is implemented DURING the year… not after the year is over.

By the time April arrives, most of the biggest opportunities are already gone.

This is exactly why proactive tax planning matters for growing businesses.

If you run a business generating serious revenue, the tax strategy around your purchases can make a massive difference in what you keep.

Someone recently asked:“How do I write off my car if I work from home… without breaking the rules?”GREAT QUESTION.Becaus...
02/21/2026

Someone recently asked:
“How do I write off my car if I work from home… without breaking the rules?”
GREAT QUESTION.
Because this is where a lot of people mess up.
LET’S KEEP THIS SIMPLE.

YOU CANNOT WRITE OFF COMMUTING.
Driving from home to your regular job or office?
Not deductible. Period.

BUT HERE’S THE LOOPHOLE MOST PEOPLE MISS

THE HOME OFFICE.

If you have a SMALL, REGULAR, AND EXCLUSIVE space at home used for business — even just a desk — that space can qualify as a HOME OFFICE.

And once you have that…

YOUR HOME BECOMES A BUSINESS LOCATION.

WHY THIS MATTERS

Now, when you leave your home to:

• Meet a client
• Visit a vendor
• Go to the post office
• Run to Staples, Home Depot, or Apple
• Check on a job site or property

THAT MILEAGE IS BUSINESS MILEAGE.

For 2025, that’s ABOUT 70 CENTS PER MILE.

DO THE MATH.

1,000 business miles a month = 12,000 miles a year.
12,000 × $0.70 = $8,400 WRITE-OFF.

Add a SMALL home office deduction (even $500)…
Now you’re close to $9,000 in deductions.

That’s $9,000 you can earn and often pay LITTLE TO NO TAX ON.

THIS IS WHY THE HOME OFFICE IS SO POWERFUL.

You don’t take it for the square footage.
You take it because it UNLOCKS THE AUTO DEDUCTION.

ONE MORE IMPORTANT RULE

You must choose ONE auto method:

• Mileage
• OR actual expenses (gas, repairs, depreciation)

Once you choose, YOU’RE STUCK WITH IT for that vehicle.

Lots of miles? Mileage usually wins.
Expensive vehicle, fewer miles? Actual may win.

THIS IS STRATEGY. NOT GREED.

A small business gives you LEGAL ways to:

• Reduce taxes
• Create cash flow
• Build wealth faster

THIS is why business ownership is such a powerful wealth tool in the U.S.

If you’re not using these rules correctly, you’re leaving money on the table.

And the IRS won’t remind you.

They’ll just keep the cash.

Are you tired of writing a big check to your state every year?What if your state income tax bill could be… zero?Most bus...
02/11/2026

Are you tired of writing a big check to your state every year?
What if your state income tax bill could be… zero?
Most business owners focus on federal taxes.
But your state can quietly take a big bite too.
There are 9 states with no state income tax:

Alaska
Florida
Nevada
South Dakota
Texas
Washington
Wyoming
Tennessee
New Hampshire

Now here’s the flip side.

These are the states with the highest top state income tax rates:

California – 13.3%
Hawaii – 11%
New York – 10.9%
New Jersey – 10.75%
Oregon – 9.9%
Minnesota – 9.85%
Massachusetts – 9%
Vermont – 8.75%
Wisconsin – 7.65%
District of Columbia – 10.75%

That’s a big spread.

Zero… versus over 13%.

But here’s what most people miss.

“No income tax” does not mean “no tax.”

And “high income tax” does not always mean “high total tax.”

Some states with no income tax make up the money with:

Higher property taxes
Higher sales taxes
Higher insurance costs
Higher housing prices

And if you own a 7 or 8 figure business, moving states is not just personal.

It affects:

Your entity structure
Your payroll
Your nexus exposure
Your real estate strategy
Your exit plan

This is not just a lifestyle decision.

It is a tax strategy decision.

For the right business owner, the savings can be life changing.

For the wrong move, it can create audits, double taxation, or unexpected bills.

If you run a business and want to know whether your state is helping you build wealth… or quietly draining it…

Let’s look at the numbers.

Comment “STATE” or send me a message and we’ll map it out properly.

The Best 401(k) for Business OwnersThe best 401(k) I’ve ever seen was built for one person and his spouse.Let me show yo...
02/09/2026

The Best 401(k) for Business Owners

The best 401(k) I’ve ever seen was built for one person and his spouse.

Let me show you how this works in real life.

One of my clients set up a Solo 401(k) for himself and his spouse.

No employees.
Just owners.

Each year, his business and him personally contributed about $50,000 total into the plan.

Most of that money was a tax-deductible expense to his business.

He did this for 5 years.

Then things got interesting.

He converted the plan into a self-directed Solo 401(k).

That gave him checkbook control.

Instead of mutual funds, he used his 401(k) to buy rental properties.

The rental income went back into the 401(k).

No current tax.
No annual tax filings on the rental income.

For five years, the properties produced cash flow and the property values increased.

Still no tax along the way.

Fast forward to today.

His Solo 401(k) is now worth over $2.5 million.

Here’s the part most people miss.

A large portion of that growth is sitting inside a Roth 401(k).

That means when he takes the money out in retirement, it is tax-free.

Business deductions on the way in.
No tax on rental income along the way.
Tax-free withdrawals on the back end.

This is why Solo 401(k)s are not just retirement accounts.

They are tax strategy tools for business owners who plan ahead.

This only works if:
You own the business.
Your spouse works in the business.
The plan is set up correctly.

Most business owners never hear about this.

And those who do often set it up wrong.

If you’re profitable, married, and still paying big taxes every year, this is a strategy worth understanding.

Because the best 401(k) for business owners was never designed for employees.

MAX out on tax deductions and possibly get a HUGE REFUND using what you spend money on every day. This isn’t click bait...
02/06/2026

MAX out on tax deductions and possibly get a HUGE REFUND using what you spend money on every day.
This isn’t click bait!
This is what I see every day when I take on a new business owner client.
Their previous tax account missed thousands, and I mean THOUSANDS of dollars on tax deductions.
And here’s the wild part
You don’t need to spend more money to save on taxes.
You just need to stop missing the write-offs on things you already pay for.
Let me say that again.
This is about expenses you already have.
Not new loopholes.
Not risky tricks.
Just understanding the rules.
The IRS has one simple rule that changes everything.
It says your business can deduct expenses that are:
• Ordinary
• Necessary
• Used to make money
That’s it.
And once you understand that rule, everything starts to click.
Here are a few examples most owners miss 👇
YOUR HOME
If you use part of your home for work, storage, or inventory, you may be able to write off a portion of:

• Rent or mortgage
• Utilities
• Internet
• Phone
Even pest control and cleaning supplies

YOUR MEALS
Business meals with a purpose?
Those can be partially deductible.
Even if the person across the table is your spouse or family member—if they’re involved in the business.

YOUR CAR
If you drive for business, you can write off part of your vehicle costs.
No fancy lease.
No car titled to the business required.
Just real business use.

YOUR HEALTH COST
Health insurance.
Medical expenses.
Even reimbursements through the right setup.
These can add up fast when done correctly.

EDUCATION
Courses.

Conferences.
Certifications.
Training that helps you make money in your business?
Often deductible.

KIDS
Well not the actual kid but kid related stuff.
Yes, this one surprises people.
Hiring your kids. This one is fun. Ping me if you want to learn more.
Childcare reimbursements.
Education assistance.
There are legal ways to turn family expenses into business deductions.

TRAVEL
Stop calling them vacations.
Start calling them business trips.
If there’s a real business purpose, travel can be deductible too.
When you stack these the right way, it’s not crazy to find tens of thousands in missed write-offs.
For some owners, it’s much more.
The problem isn’t income.
The problem is missing strategy.
If you’re a business owner and wondering,
“Am I missing this?”
There’s a good chance the answer is yes.

If you want help finding and fixing the gaps, comment TAX or send me a message.

This is what we do all day. Hope this helps!

Most business owners are overpaying the IRS every year. Not because they’re careless. But because their business structu...
02/04/2026

Most business owners are overpaying the IRS every year.
Not because they’re careless.
But because their business structure is wrong.

An LLC does NOT save you taxes.
It protects you legally.
That’s it.

Lately, I've been reviewing a lot of tax returns coming in from other tax firms and seeing that $20K, $30K, up to $116K of tax bills that could have been 100% eliminated. But for some unknown reason the prior CPA didn't inform their client of the tax rules.

Here’s the truth most people never hear:

If your business makes $100,000+ a year, being an S corporation can be a game changer.

Think of your business like this:

Operations on the left.
Assets on the right.
Your personal tax return at the bottom.
The S corporation lives on the operations side.
That’s where the real tax strategy happens.

Here are the 3 reasons high-earning owners use an S corporation:

You stop paying self-employment tax on every dollar

With an S corporation, you split income into:
• A reasonable salary
• Remaining profit
You only pay payroll tax on the salary.
The rest flows out without self-employment tax.
This alone can save tens of thousands per year.

You unlock massive retirement write-offs

Once you’re paying yourself a W-2, you can open a Solo 401(k). This year you can contribute up to $80K a year.

And then you layer that Solo 401K with a Self Directed IRA. Meaning you have check book control over how your 401K funds are investing.

Want to buy real estate, crypto, or just put in a fund. You have the control, not an HR department.

That means:

• Large pre-tax contributions
• Company matching
• Tax-deferred growth
• and you have full control

You’re not just saving taxes.
You’re stacking wealth on purpose.
You turn family and advisors into deductions
Big companies do this.
Smart owners do too.
An S corporation allows you to build a real board of directors.

That means:

• Business travel becomes deductible
• Strategy meals become deductible
• Phones, laptops, and tools become deductible
All while strengthening the business.

Here’s the kicker most people miss:

Businesses using S corporations are audited far less often than LLCs.

Lower taxes.
More deductions.
Less audit risk.
This isn’t a loophole.
It’s how the tax code was written.
The problem is most owners were never shown how to use it correctly.

If your business is consistently profitable and you’re still taxed like a sole proprietor, it’s time for a second opinion.

That single decision can change your cash flow for the rest of your life.

The REAL advantage of being a S-corp. Simply stated.If you make a profit and still pay yourself like an employee, you ar...
01/30/2026

The REAL advantage of being a S-corp. Simply stated.

If you make a profit and still pay yourself like an employee,

you are overpaying the IRS.

Not because your CPA is bad.

But because your pay structure is wrong.

High earners don’t win on income.

They win on how income is taken.

This is where the S Corp matters.

An S Corp lets you split your money into two buckets:

Bucket 1: Salary

Bucket 2: Distributions.

Your salary is taxed like a normal job.

Income tax plus payroll tax.

Distributions are different.

Distributions are profits, not wages.

They avoid payroll taxes.

That difference alone can save tens of thousands per year.

But there’s a rule you cannot skip.

You must pay yourself a reasonable salary first.

Reasonable means:

What would you pay someone else to do your job?

Not a guess.

Not a rule of thumb.

Not 60/40.

The IRS doesn’t accept shortcuts.

Pay too little salary and take big distributions?

That’s how audits happen.

Do it correctly and the strategy works exactly as intended.

First, a defensible salary.

Then, distributions on the profits.

There is no fixed percentage.

There is no universal formula.

There is only proper planning.

If your business clears $1M+ and you’re still taking everything as wages,

you are donating money to taxes.

Smart owners don’t avoid taxes.

They structure income correctly.

That’s the real advantage of an S Corp.

Address

1860 SW Fountainview Boulevard
Port Saint Lucie, FL
34986

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+17722020405

Website

Alerts

Be the first to know and let us send you an email when Swift.CPA 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 Swift.CPA:

Shortcuts

Share

Category