https://tymconsulting.cpa/insights Expert insights on US-Canada cross-border tax, fractional CFO services, SR&ED credits, and strategic accounting from TYM Business Consulting CPA. en-us info@tymconsulting.cpa (TYM Business Consulting) info@tymconsulting.cpa (TYM Business Consulting) Mon, 13 Apr 2026 12:00:00 +0000 https://cdn.prod.website-files.com/689c9e1025c56938031a1a19/689ca2196b6081c39f299150_TYM.png https://tymconsulting.cpa https://tymconsulting.cpa/insights/llc-tax-filing-common-mistakes https://tymconsulting.cpa/insights/llc-tax-filing-common-mistakes The most common LLC tax filing mistakes made by U.S. business owners, with a practical CPA checklist for single-member and multi-member LLCs. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Fri, 10 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/c-corp-s-corp-partnership-taxation-us-canada https://tymconsulting.cpa/insights/c-corp-s-corp-partnership-taxation-us-canada A side-by-side CPA comparison of C-Corp, S-Corp, and partnership taxation in the U.S. and Canada, including cross-border implications and entity selection. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Wed, 08 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/irs-cra-penalty-risk-filing-gaps https://tymconsulting.cpa/insights/irs-cra-penalty-risk-filing-gaps The three most common filing gaps that expose growing U.S. and Canadian businesses to IRS and CRA penalties, and how to close them before a notice arrives. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Tue, 07 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/s-corp-vs-c-corp-tax-differences https://tymconsulting.cpa/insights/s-corp-vs-c-corp-tax-differences A detailed CPA comparison of S-Corp and C-Corp taxation, covering rates, distributions, payroll, QBI, QSBS, and when each structure is the smarter choice. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Sun, 05 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/itin-without-mailing-passport-certifying-acceptance-agent https://tymconsulting.cpa/insights/itin-without-mailing-passport-certifying-acceptance-agent How non-U.S. persons can obtain an ITIN without mailing their original passport to the IRS by using a Certifying Acceptance Agent (CAA). info@tymconsulting.cpa (Nadia Vitt, CPA) Tax Strategy Fri, 03 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/non-resident-us-filing-form-1040-nr https://tymconsulting.cpa/insights/non-resident-us-filing-form-1040-nr Non-resident U.S. tax filing explained: Form 1040-NR, treaty positions, U.S. source income, real estate, gambling winnings, and ITIN coordination. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Wed, 01 Apr 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/missed-business-tax-deadline-what-happens-next https://tymconsulting.cpa/insights/missed-business-tax-deadline-what-happens-next What happens after a missed U.S. or Canadian business tax deadline, and the step-by-step recovery process to minimize penalties and interest. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Sat, 28 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/multi-state-business-tax-filing-complications https://tymconsulting.cpa/insights/multi-state-business-tax-filing-complications Multi-state business tax explained: income tax nexus, sales tax nexus, apportionment, PTET elections, and the compliance calendar for U.S. businesses. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Wed, 25 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/fractional-cfo-cost-worth-it https://tymconsulting.cpa/insights/fractional-cfo-cost-worth-it Realistic fractional CFO cost ranges, what drives the fee, and how to measure ROI against a full-time hire for U.S. and Canadian businesses. info@tymconsulting.cpa (Nadia Vitt, CPA) CFO Advisory Sun, 22 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/selling-stock-early-capital-gains-tax-mistake https://tymconsulting.cpa/insights/selling-stock-early-capital-gains-tax-mistake The tax mistake of selling stock one day early: short-term vs long-term capital gains, holding period rules, and the planning that saves high earners tens of thousands. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Fri, 20 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/quarterly-estimated-taxes-irs-underpayment https://tymconsulting.cpa/insights/quarterly-estimated-taxes-irs-underpayment How U.S. quarterly estimated taxes work, safe harbor rules, underpayment penalties, and the planning cadence that keeps growing businesses out of trouble. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Wed, 18 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/book-to-tax-reconciliation-financials-vs-tax-return https://tymconsulting.cpa/insights/book-to-tax-reconciliation-financials-vs-tax-return Why book income and taxable income rarely match: permanent and temporary differences, Schedule M-1 and M-3, deferred taxes, and the practical reconciliation process. info@tymconsulting.cpa (Natalia Garaeva, CPA) Bookkeeping Sun, 15 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/1099-vs-w2-misclassification-risks-penalties https://tymconsulting.cpa/insights/1099-vs-w2-misclassification-risks-penalties The legal and tax differences between 1099 contractors and W-2 employees, the IRS and state tests that apply, and how to avoid expensive misclassification penalties. info@tymconsulting.cpa (Nadia Vitt, CPA) Payroll & HR Thu, 12 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/fbar-fatca-foreign-reporting-requirements https://tymconsulting.cpa/insights/fbar-fatca-foreign-reporting-requirements A CPA guide to foreign financial reporting: FBAR (FinCEN 114), FATCA Form 8938, Canadian T1135, and how to clean up missed filings via Streamlined and VDP. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Tue, 10 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/sales-tax-vs-income-tax-business-mistakes https://tymconsulting.cpa/insights/sales-tax-vs-income-tax-business-mistakes The core differences between U.S. sales tax and income tax nexus, filing, and exposure, with practical guidance for growing multi-state businesses. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Sun, 08 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/late-tax-filings-penalties-interest-recovery https://tymconsulting.cpa/insights/late-tax-filings-penalties-interest-recovery A CPA recovery playbook for late tax filings: quantifying penalties and interest, first-time abate, reasonable cause, and voluntary disclosure across multiple years. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Thu, 05 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/tax-planning-vs-tax-filing-proactive-strategy https://tymconsulting.cpa/insights/tax-planning-vs-tax-filing-proactive-strategy The difference between tax planning (proactive, year-round) and tax filing (retrospective), and why businesses that separate them save the most. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Tue, 03 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/multi-state-tax-compliance-hidden-risks https://tymconsulting.cpa/insights/multi-state-tax-compliance-hidden-risks Hidden multi-state tax risks for U.S. businesses: nexus, apportionment, PTET, sales tax, payroll tax, and the exposure most owners do not see until diligence. info@tymconsulting.cpa (Nadia Vitt, CPA) Tax Strategy Sun, 01 Mar 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/us-tax-services-compliance-planning-stack https://tymconsulting.cpa/insights/us-tax-services-compliance-planning-stack Full-service U.S. tax compliance and planning for businesses and individuals: Form 1120, 1120-S, 1065, 1040, 1040-NR, state returns, and proactive tax strategy. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Thu, 26 Feb 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/us-personal-tax-form-1040-cross-border-filing-guide https://tymconsulting.cpa/insights/us-personal-tax-form-1040-cross-border-filing-guide How Form 1040 works for U.S. citizens, green card holders, and cross-border filers, with guidance from a CPA firm serving Toronto and Miami. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Tue, 24 Feb 2026 12:00:00 +0000 https://tymconsulting.cpa/insights/cpa-miami-how-to-choose https://tymconsulting.cpa/insights/cpa-miami-how-to-choose Looking for a CPA in Miami? Learn what growing businesses should evaluate when choosing a CPA firm, from credentials and industry fit to advisory depth. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Thu, 20 Mar 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/s-corp-vs-llc-florida-tax https://tymconsulting.cpa/insights/s-corp-vs-llc-florida-tax Compare S Corp and LLC tax treatment in Florida. Understand self-employment tax savings, payroll requirements, and when each entity type makes financial sense. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Wed, 12 Mar 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/bookkeeping-cleanup-small-business https://tymconsulting.cpa/insights/bookkeeping-cleanup-small-business Months of messy books? Learn the step-by-step process CPAs use to clean up your accounting records, reconcile accounts, and restore financial clarity. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Wed, 05 Mar 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/payroll-compliance-florida-employers https://tymconsulting.cpa/insights/payroll-compliance-florida-employers Florida payroll compliance requirements for employers: federal and state tax deposits, reemployment tax, new hire reporting, and penalties for noncompliance. info@tymconsulting.cpa (Nadia Vitt, CPA) Bookkeeping Tue, 25 Feb 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/when-to-hire-fractional-cfo https://tymconsulting.cpa/insights/when-to-hire-fractional-cfo Wondering if your business needs a fractional CFO? Here are 7 clear signs you have outgrown basic accounting and need senior financial leadership. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Tue, 18 Feb 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/start-us-business-from-canada https://tymconsulting.cpa/insights/start-us-business-from-canada A CPA guide for Canadians starting a U.S. business. Covers entity selection, EIN, bank accounts, tax obligations, and cross-border compliance requirements. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Mon, 10 Feb 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/real-estate-tax-strategies-miami https://tymconsulting.cpa/insights/real-estate-tax-strategies-miami Tax strategies for Miami real estate investors: depreciation, 1031 exchanges, entity structuring, and deductions that reduce taxable income on rental properties. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Mon, 03 Feb 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/payroll-tax-penalty-irs-trust-fund https://tymconsulting.cpa/insights/payroll-tax-penalty-irs-trust-fund Missed a payroll tax deposit? Understand the IRS Trust Fund Recovery Penalty, how responsible person liability works, and what steps to take immediately. info@tymconsulting.cpa (Nadia Vitt, CPA) Payroll & HR Mon, 27 Jan 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/small-business-tax-deductions-miami https://tymconsulting.cpa/insights/small-business-tax-deductions-miami Commonly missed tax deductions for Miami small businesses. A CPA breaks down write-offs for home offices, vehicles, meals, insurance, and Florida-specific items. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Wed, 22 Jan 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/fractional-cfo-cost-pricing https://tymconsulting.cpa/insights/fractional-cfo-cost-pricing How much does a fractional CFO cost? Understand pricing models, typical monthly rates, and what determines the cost of outsourced CFO services for your business. info@tymconsulting.cpa (Natalia Garaeva, CPA) Fractional CFO Wed, 15 Jan 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/ein-application-foreign-owner https://tymconsulting.cpa/insights/ein-application-foreign-owner How to get an EIN as a foreign business owner without an SSN. Step-by-step process for Form SS-4, required documents, timelines, and common mistakes to avoid. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Wed, 08 Jan 2025 12:00:00 +0000 https://tymconsulting.cpa/insights/quarterly-tax-planning-self-employed-florida https://tymconsulting.cpa/insights/quarterly-tax-planning-self-employed-florida A quarterly tax planning guide for self-employed professionals in Florida. Learn how to calculate estimated payments and avoid IRS underpayment penalties. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Mon, 30 Dec 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/year-end-tax-planning-small-business https://tymconsulting.cpa/insights/year-end-tax-planning-small-business Year-end tax planning checklist for small business owners. Actionable strategies for reducing tax liability before December 31 from retirement to depreciation. info@tymconsulting.cpa (Natalia Garaeva, CPA) Tax Strategy Fri, 20 Dec 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/audit-preparation-bookkeeping-cpa https://tymconsulting.cpa/insights/audit-preparation-bookkeeping-cpa Preparing for a financial audit? A CPA explains how to get your books audit-ready with proper reconciliation, documentation, and internal controls. info@tymconsulting.cpa (Nadia Vitt, CPA) Bookkeeping Tue, 10 Dec 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/us-tax-obligations-canadian-company https://tymconsulting.cpa/insights/us-tax-obligations-canadian-company Canadian company with U.S. customers? Understand your federal and state tax obligations, treaty protections, nexus rules, and filing requirements in the U.S. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Sat, 30 Nov 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/cash-flow-forecasting-startups https://tymconsulting.cpa/insights/cash-flow-forecasting-startups Why most startups get cash flow forecasting wrong and how to build a 13-week model that gives you real visibility into runway, burn rate, and funding needs. info@tymconsulting.cpa (Natalia Garaeva, CPA) Fractional CFO Wed, 20 Nov 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/florida-sales-tax-ecommerce https://tymconsulting.cpa/insights/florida-sales-tax-ecommerce Florida sales tax rules for e-commerce businesses. Understand nexus thresholds, marketplace facilitator laws, exempt items, and registration requirements. info@tymconsulting.cpa (Sergey Rautkin, CPA) Tax Strategy Sun, 10 Nov 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/how-to-switch-accountants https://tymconsulting.cpa/insights/how-to-switch-accountants Thinking about switching accountants? Here is how to transition CPA firms without losing financial continuity, missing deadlines, or creating compliance gaps. info@tymconsulting.cpa (Nadia Vitt, CPA) Bookkeeping Wed, 30 Oct 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/mergers-acquisitions-tax-planning https://tymconsulting.cpa/insights/mergers-acquisitions-tax-planning M&A tax planning for buyers and sellers. Understand asset vs stock purchases, 338(h)(10) elections, due diligence tax issues, and deal structure optimization. info@tymconsulting.cpa (Elena Serebryany, CPA) Tax Strategy Sun, 20 Oct 2024 12:00:00 +0000 https://tymconsulting.cpa/insights/monthly-financial-reporting-small-business https://tymconsulting.cpa/insights/monthly-financial-reporting-small-business What your monthly financial reports should include and how to use them for decisions. A CPA guide to P&L, balance sheets, cash flow, and KPI dashboards. info@tymconsulting.cpa (Natalia Garaeva, CPA) Fractional CFO Thu, 10 Oct 2024 12:00:00 +0000