Personal Tax Prep & Financial Planning

Holistic financial care for individuals and families. We combine expert personal tax preparation (Form 1040) with strategic financial planning and budgeting to help you build and protect your wealth.

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Your life is more than a tax return. Your financial plan should be too.

Fred Lundin CPA offers a holistic suite of Personal Tax Prep and Financial Planning Services for individuals, families, and solopreneurs who want to align their tax strategy with their life goals. Most people treat tax filing and financial planning as separate chores—visiting a tax preparer in April and an investment advisor in June. 

We bridge that gap. We believe that every financial decision, from buying a home to saving for retirement, has a tax consequence, and every tax decision impacts your future wealth.

We provide a unified approach to your personal finances. Whether you need a complex Individual Tax Return (Form 1040) filed, a comprehensive Financial Plan to map out your retirement, or a Budgeting Strategy to get out of debt, our virtual team acts as your personal CFO. 

We move beyond simple compliance to help you build a tax-efficient roadmap for your future, ensuring you keep more of what you earn and grow what you keep.

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Frequently Asked Questions (FAQ)

Why should I hire a CPA for personal taxes instead of using TurboTax? 

Software is great for simple returns, but it cannot give advice. It won't tell you that selling that stock triggered a wash sale, or that you missed a huge deduction for your side hustle. We provide the human expertise to navigate complex situations—like rental properties, stock options, or multi-state income—that software often mishandles.

What does "Financial Planning" include? 

Our planning services go far beyond investment picking. We look at your Cash Flow (budgeting), Risk Management (insurance needs), Retirement Goals (401k/IRA analysis), and Estate Plans. We build a comprehensive roadmap that integrates all aspects of your financial life.

Do you handle taxes for freelancers and solopreneurs? 

Yes. If you are a sole proprietor, your business taxes (Schedule C) are part of your personal return. We specialize in the "Solo-Preneur Package", which handles both your personal and business filings in one streamlined process to maximize your self-employment deductions.

Can you help me with IRS notices or audits? 

Absolutely. One of the biggest benefits of working with a CPA is representation. If the IRS sends a notice or initiates an audit, we can speak on your behalf, handle the correspondence, and resolve the issue so you don't have to face the government alone.

How often should we meet? 

For tax-only clients, we typically meet annually during tax season, with a check-in toward year-end for planning. For Financial Planning clients, we often meet quarterly or semi-annually to review goals, adjust budgets, and track net worth progress.