Owning and growing a business comes with constant decisions: how to pay yourself, how to lower your taxes, how to invest profits, and how to plan for long-term security. We bring your tax planning, business strategy, and personal financial goals under one roof.
Is this you?
We work with owners of service-based businesses generating between $500,000 and $5 million in annual revenue, often set up as S corporations with one or two owners. Our clients include real estate professionals, self-employed medical providers, law offices, and other experts who’ve built successful businesses and now face growing financial complexity.
If you’re tired of making high-stakes tax and money decisions on your own, or juggling advice from professionals who don’t coordinate, we can help. We bring your tax and financial strategy together so you can stop reacting and start leading with clarity. The result: fewer moving parts, less potential stress, and more time for what you do best, running and growing your business.
Why one firm
Too often, business owners piece together advice from a tax preparer and a financial advisor.
That leads to missed opportunities and unnecessary stress. At Sansone CPA & Financial, your tax planning, business strategy, and personal financial goals live under one roof.
With fewer handoffs and one team guiding the big picture, you gain clarity, work toward a lower tax bill, and free up time for what matters most: running your business. It’s a more efficient, strategic way to grow your wealth and operate with confidence.
01
Missing big deductions like retirement plan contributions, depreciation (writing off equipment and property over time), or smart ways to shift income.
02
Each one gives advice without seeing what the other is doing.
03
Constant high-stakes choices about pay, investments, and timing, with no one helping you think them through.
04
You’re told to “open a Solo 401(k)” or “convert to an S corp,” but no one helps you actually do it.
05
How your business is set up doesn’t match your income, your tax savings, or your exit plans.
06
No plan for building value, selling, or stepping away, or for your own retirement savings.
07
Or how much to reinvest in the business, and how much to save for yourself.
08
Each one is managed on its own, with no plan connecting the two.
09
Finances feel scattered, with no clear strategy tying it all together.
Don’t see your question? Call the office at 815-459-4300 or send us a message.
It depends on your profit and on the salary you’d need to pay yourself. Once profit is high enough, an S corporation can reduce self-employment tax, but it adds payroll, a separate tax return, and more paperwork. We run the numbers both ways before you decide.
The IRS requires S corporation owners who work in the business to pay themselves reasonable compensation. Too low invites scrutiny. Too high costs you extra payroll tax. We set the number based on your role, your industry, and your full tax picture.
It depends on your income, whether you have employees, and how much you want to save. A Solo 401(k), SEP IRA, SIMPLE IRA, and cash balance plan each have different limits and rules. We compare them against your tax return and your cash flow.
Yes. We prepare S corporation (Form 1120-S) and partnership (Form 1065) tax returns along with your personal tax return, so both sides are planned together. Business tax returns are billed separately, including for ongoing wealth management clients.
Yes. How and when you sell changes what you keep. Spreading a sale over several years, charitable strategies, and tax breaks for qualified small business stock may apply. We plan the sale together with your retirement and your investments.
Yes. Our office is in Crystal Lake, and we work with business owners across McHenry and Kane counties, including Huntley, Algonquin, and Lake in the Hills.
Discover what coordinated planning may save you. A free 30-minute conversation, no obligation.
