About Us
Steadier Finances. A Life That Feels Like Yours.
Most people meet their tax preparer once a year, hand over a folder, and hear nothing until the next filing season. We built this practice to work the other way around — available year-round, and interested in the decisions you make between filings.
Built around the questions people were afraid to ask
F&S Financial & Tax Services LLC started with a pattern we kept seeing: capable people — W-2 earners, contractors, small business owners — making expensive decisions without anyone to check the math with. Not because they were careless, but because nobody had ever explained how any of it worked.
So we do the explaining. We prepare returns, but the part that matters happens before and after: sizing a business structure, timing a purchase, deciding how much to pay yourself, understanding what a policy actually covers. Our clients leave conversations knowing why, not just what.
Filing season is the deadline, not the relationship.
Four commitments we hold ourselves to
Plain language, every time
If we cannot explain a recommendation in a sentence you would repeat to your spouse, it is not a recommendation yet.
Reachable between deadlines
Decisions do not wait for April. Call us in the middle of the year and you will get the same person you saw last season.
Honest about trade-offs
When an option pays us more, we say so. When the cheaper choice is the right one, we say that too.
Careful with your documents
Secure intake, limited access, and a clear answer any time you ask where something of yours is.
Six services, one coordinated picture
Taxes, education, insurance, and retirement handled under one roof, so decisions in one area account for the others.
Individual Tax Preparation & Planning
Accurate filing plus the planning conversation that lowers next year's bill.
Business Tax Services
Entity structure, quarterly estimates, deductions, and owner compensation.
Financial Education
Taxes, credit, debt, and investing explained against your own numbers.
Life Insurance Solutions
Coverage sized to what your family would actually need, from multiple carriers.
Auto, Homeowners & Renters Insurance
Your current policy shopped across carriers, with coverage gaps flagged.
Business & Retirement Solutions
SEP IRAs, Solo 401(k)s, and succession planning coordinated with your taxes.
People whose finances got complicated before anyone explained them
We work with individuals and families filing straightforward returns, first-time business owners, contractors and gig workers with 1099 income, established S-Corps, and people who simply want a second opinion on what they already have. No revenue minimum, no judgment about how organized your records are.
A tax return is a record of decisions you already made. The work worth paying for happens earlier — and we would rather be in the room for that part.
The people you'll actually be talking to
Small practice by design. You work with the same people every year, and they remember your situation without reading it back off a form.
[Name]
Leads tax strategy and sits in on every business structure review.
[Name]
Handles individual and small business filings from intake through review.
[Name]
Your first call: scheduling, documents, and answers between appointments.
Send us the real names, titles, and headshots and we'll drop them in.
Start with a conversation, not a commitment.
Tell us what you're working with — a return, a business decision, a policy you're unsure about — and we'll tell you plainly whether we can help and what it would cost.