Stop guessing. Start planning.
Tax and financial guidance that actually makes sense.
Richter Tax & Advisory helps families and business owners take control of their money with year-round tax planning, tax preparation for everything from individual to business, trust, and estate returns, and bookkeeping that keeps your numbers clean and ready when you need them. No jargon. No surprises. Just clear advice you can act on.
Who we work with
Families and individuals
You work hard, earn a good income, and want to make sure you're not leaving money on the table at tax time. Maybe you've had a raise, a new baby, or a home purchase. You want a CPA who helps you plan ahead, not just react once a year.
Business owners
You're running a business and wearing a lot of hats. You want your books to be clean, your taxes to be handled smartly, and a CPA who can help you answer questions like "should I be an LLC or an S-Corp?" and "am I paying myself the right way?"
Trusts and estates
You're a trustee, an executor, or a family navigating an inheritance, and you need trust, estate, or gift tax returns handled correctly and on time. We prepare Forms 1041, 706, and 709 and help you understand what's required, so you can carry out your responsibilities with confidence.
What we help with
We offer four connected services. Click any one to learn more.
Year-Round Tax Planning (not just tax filing)
Most people only think about taxes once a year. As your CPA, we work with you throughout the year to make sure you're not overpaying, not getting caught off guard, and making smart decisions before deadlines instead of after. That includes things like reviewing your paycheck withholdings, planning around bonuses or side income, and making sure you're taking advantage of every deduction and credit available to you. This is what year-round tax planning with a CPA looks like.
Tax Preparation (individuals, businesses, trusts & estates)
We prepare and file returns of all kinds, from straightforward individual returns to complex business, trust, and estate filings. That includes individual returns (Form 1040), S-corporation and partnership returns (1120-S and 1065), trust and estate income tax returns (Form 1041), and estate and gift tax returns (Forms 706 and 709), along with multi-state filings. Whether you're an individual, a business owner, or a family navigating an inheritance or an estate, your return is prepared carefully, reviewed thoroughly, and explained to you in plain language before anything is filed.
Tax + Financial Planning Together (CPA + CFP® in one advisor)
Most people get tax advice from one person and financial advice from another, and the two never talk. Because Daniel is both a CPA and a CFP®, we bring both together. That means when you're deciding how much to save for retirement, whether to change your business structure, or how to handle a big life change, the tax side and the financial side are considered at the same time by the same advisor. This integrated approach is what sets a CPA/CFP® apart from a regular tax preparer.
Bookkeeping (QuickBooks Online)
Clean books, calm decisions. We keep your business finances accurate and up to date on a set schedule so when tax time comes, when you need a loan, or when you just want to know how your business is doing, the numbers are ready. No scrambling. No guessing. We use QuickBooks Online so everything stays organized in one place.
Why does it matter that your CPA and financial planner are the same person?
Here's a simple example. Say you're deciding how much to put into your retirement account this year. A tax advisor might say "max it out because it lowers your tax bill." A financial planner might say "actually, you need that cash for a down payment in six months." If those two advisors aren't talking, you get conflicting advice.
Because Daniel holds both the CPA and CFP® credentials, you get one advisor who sees the full picture. Your tax strategy and your life goals get considered together, not separately. That's what integrated tax planning means.
A focus on trusts, estates, and gift tax
These returns are some of the most complex in the tax code, and getting them right matters. It's an area we know well and handle with care.
Estate & trust income tax
When someone passes away or a trust generates income, a fiduciary income tax return (Form 1041) is often required. We prepare these returns, help executors and trustees understand their filing obligations, and make sure income, deductions, and distributions are reported correctly.
Estate tax returns
For larger estates, a federal estate tax return (Form 706) may be required, even when no tax is ultimately due, such as to elect portability of a spouse's unused exemption. We handle these detailed filings and help you understand what's needed and when.
Gift tax returns
Made a significant gift this year? A gift tax return (Form 709) may be required to report it and track your lifetime exemption. We prepare gift tax returns and help you understand how today's gifts fit into a longer-term picture.
Executors, trustees, and families: settling an estate or administering a trust comes with real responsibility and hard deadlines. Having a CPA who handles this work regularly means you don't have to navigate it alone. We'll help you understand what's required, prepare the returns correctly, and keep everything on schedule.
What the work looks like
Click an image to enlarge.
Clean books, calm decisions.
You run the business. We keep the books straight. Your financials stay accurate and ready for taxes, loan applications, or simply knowing where you stand. QuickBooks Online preferred.
Ready to take the next step?
Start with our Work With Us form, or book a discovery call with Daniel Richter, CPA, CFP®.
Start the Work With Us Form → Book a Discovery Call