What is integrated tax and financial planning?

Integrated tax and financial planning means your tax strategy and your broader financial goals are built together by the same advisor, not separately by two different professionals. At Richter Tax & Advisory, Daniel Richter is both a CPA and a CFP®, so your tax decisions and financial planning decisions are coordinated from the start.

Can I work with Richter Tax & Advisory if I don't live nearby?

Yes. Richter Tax & Advisory serves clients across the entire United States virtually. All meetings, document sharing, and advisory work are done remotely.

What is the difference between a CPA and a regular tax preparer?

A CPA (Certified Public Accountant) is a state-licensed professional who has passed a rigorous exam and has deep training in tax law, accounting, and financial reporting. A regular tax preparer may not have this level of training or licensing. A CPA can provide year-round tax planning and advisory services, not just file returns.

What does a CFP® do?

A CERTIFIED FINANCIAL PLANNER® (CFP®) is a professional trained in holistic financial planning including retirement, savings, insurance, investments, and long-term goal setting. When combined with CPA credentials, a CFP® can provide integrated advice where tax and financial strategies work together.

Does Richter Tax & Advisory offer bookkeeping services?

Yes. Richter Tax & Advisory provides monthly bookkeeping services using QuickBooks Online, including reconciliation, categorization, monthly close, and clean financial reporting for business owners.

Year-round partnership

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.

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Led by Daniel Richter, CPA, CFP® • Clarity • Strategy • Stability

Virtual CPA and CFP providing tax planning and financial planning

Planning that's built around your life, not just your tax return.

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 built together, not separately. That's what integrated tax and financial planning means.

What the work looks like

Click an image to enlarge.

A clear path forwardYou'll always know what's been done, what's next, and why it matters.

Protect what mattersBuild stability for your family or business with fewer surprises.

Business + personal, working togetherMake decisions that make sense for your taxes, your cash flow, and your goals.

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.

See bookkeeping options →

Ready to take the next step?

Book a free discovery call with Daniel Richter, CPA, CFP®.

Book a Free Discovery Call

Stop guessing. Start planning. Tax and financial guidance that actually makes sense.