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Cruz Tax Advisory & Strategy P.C.

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Scotts Valley, CA
Cruz Tax Advisory & Strategy P.C.

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Cruz Tax Advisory & Strategy P.C. in Felton, CA, offers expert tax planning services to optimize your financial strategy.

10/29/2026

Investment income can come with an additional 3.8% tax when your income exceeds certain thresholds—but the rules are more nuanced than they first appear. The Net Investment Income Tax may affect interest, dividends, rents, capital gains, and passive business income, while active business income and certain transactions may be treated differently. Understanding what counts, how the tax is calculated, and which planning opportunities may apply can materially reduce surprises and preserve more of your wealth. The right strategy often starts well before a liquidity event, asset sale, or year-end tax deadline.

https://www.mycruztax.com

10/27/2026

Tax preparation should do more than report what happened—it should help shape what happens next. For successful business owners, the right strategy can influence entity structure, compensation, estimated taxes, retirement contributions, and long-term wealth. Cruz Tax takes a proactive, personalized approach to identify opportunities, manage risk, and turn tax decisions into measurable financial outcomes. Because when your business is growing, a return is only the beginning.

https://www.mycruztax.com

10/25/2026

Higher income often brings higher tax exposure—but it also creates more opportunities for strategic planning. Business owners, entrepreneurs, and real estate investors can reduce tax liability by making informed decisions about entity structure, compensation, deductions, retirement contributions, and timing. The key is acting before year-end, not after the return is prepared. Effective tax planning turns tax decisions into measurable wealth-building opportunities.

https://www.mycruztax.com

10/23/2026

A defined benefit plan can create significantly larger retirement contributions than a traditional 401(k)—but it also comes with greater funding commitments and administrative complexity. For high-income business owners, the right choice depends on cash flow, age, employee demographics, and long-term tax and retirement goals. Comparing both plans carefully can reveal opportunities to reduce taxable income while building substantial wealth, without committing to a strategy that does not fit the business.

https://www.mycruztax.com

10/21/2026

Selling a successful business can create a significant tax bill—but qualified small business stock (QSBS) may offer a powerful opportunity to reduce or even eliminate federal capital gains tax. Eligibility depends on details such as entity structure, holding period, original issuance, and business activity, so waiting until a sale is under contract may be too late. Our QSBS guide breaks down the key rules, common pitfalls, and planning decisions founders should evaluate well before a liquidity event.

https://www.mycruztax.com

10/19/2026

Rental losses don’t automatically offset W-2 wages or business income—the tax code depends on how actively you participate, your income level, and whether you qualify as a real estate professional. The limited passive loss allowance can phase out quickly for high-income earners, while proper planning around participation, entity structure, depreciation, and suspended losses may create meaningful opportunities. For successful investors, the key is understanding the rules before year-end—not assuming a paper loss will reduce your tax bill. This article breaks down who may benefit, where the limitations apply, and which decisions deserve proactive tax planning.

https://www.mycruztax.com

10/17/2026

An 83(b) election can be a powerful tax-planning strategy for founders receiving restricted stock or early equity—but the IRS deadline is unforgiving. Filing within 30 days of the transfer may help you manage future tax exposure as your company grows, while missing the deadline can create an avoidable and costly problem. Successful founders treat this decision as part of a broader equity and wealth strategy, not an administrative afterthought.

https://www.mycruztax.com

10/15/2026

Qualified Small Business Stock (QSBS) can potentially exclude a significant portion of your gain—but eligibility depends on more than simply owning shares in a startup. Section 1202 requirements include the business structure, original issuance, asset limits, holding period, and whether the company conducts a qualifying trade or business. Understanding these rules early can shape entity decisions, equity planning, and the timing of a future liquidity event.

https://www.mycruztax.com

10/13/2026

Selling a business creates liquidity, but it can also create a significant and often unexpected tax bill. From estimated payments and charitable planning to retirement strategies and reinvestment opportunities, the decisions you make after closing can materially affect the wealth you keep. Our latest article outlines seven strategic tax moves business owners should evaluate before the proceeds are fully deployed—because post-exit planning is where a successful transaction can become lasting financial momentum.

https://www.mycruztax.com

10/11/2026

Cost segregation can accelerate depreciation and create meaningful tax savings—but it isn’t automatically the right move for every property owner. The strategy is most effective when the timing, property type, investment horizon, and broader tax picture align. For real estate investors and business owners facing substantial taxable income, understanding both the opportunity and the limitations is essential to making a smart decision. The right analysis can turn a complex depreciation strategy into a measurable part of your broader wealth plan.

https://www.mycruztax.com

Address

5435 Scott’s Valley Drive
Scotts Valley, CA
95066

Opening Hours

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

Telephone

(831)7090132

Website

https://maps.app.goo.gl/qmZNX5Y1fxSEN93m7

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