For Service Providers

The clients found you.
The strategy should too.

Consultants, coaches, contractors, agencies, cleaning companies, trainers. Solo on a 1099 or already running an LLC, S-corp, or partnership. The work is proven. We build the tax strategy that matches it.

Why service income is different

You are the product, the payroll, and the tax department.

Every invoice is revenue, and not one dollar of it is withheld. A great quarter creates a tax bill nobody set aside for. A slow month still has estimates due. And the busier you get, the less time exists to think about any of it.

Two of those were always your job. The third one is ours.

Sumvera runs the tax side like a department. Estimates calculated and scheduled. Deductions documented as they happen. Entity structure decided on math. And when the business grows into subcontractors and staff, the structure grows with it.

What we handle

Built for how your money actually moves.

Every item below comes up in your industry constantly. If it's on this list, we've planned for it.

Quarterly estimated payments

No employer withholds for you. We calculate what to set aside, when to pay it, and how to adjust when a big contract changes the math.

Deductions, documented

Home office, vehicle, software, equipment, professional development. Deducted where the law supports it and documented so it holds up, not reconstructed in April.

Subcontractors: 1099 or W-2, done right

The moment you bring in help, classification matters. We structure subcontractors and employees correctly from the first hire, before it becomes an expensive correction.

Entity structure — new or already formed

Not yet structured? We run the numbers on when an S-corp election starts saving real money. Already an LLC, S-corp, C-corp, or partnership? We review whether the structure still fits the profit it now produces, handle the 1120-S, 1120, or 1065 with K-1s for every owner, and fix elections that were set up wrong.

Retainers, projects & lumpy income

Project income arrives in waves. We plan the year around your real rhythm so the strong months fund the quiet ones on purpose.

Clean books, monthly

Numbers that stay current all year, so pricing decisions, tax planning, and loan applications are built on reality instead of memory.

Enrolled Agent representation

Behind on filings, or holding an IRS notice

Unfiled years, back taxes, notices, audits. It's more common than anyone admits out loud, and it's fixable. As a federally licensed Enrolled Agent, we represent you directly before the IRS and handle it start to finish. No judgment. Just resolution, then a plan so it doesn't happen again.

See the full process →
Asked in every consultation

Straight answers.

Can I really deduct a home office?

If part of your home is used regularly and exclusively for the business, generally yes, and there is a simplified method that makes it painless. We look at your setup and apply whichever method the law supports for you.

I pay a few people to help me. Are they contractors or employees?

It depends on control, not preference. Misclassification is one of the most expensive mistakes a growing service business makes. We review how the work actually happens and set the classification, contracts, and forms up correctly.

I formed an LLC. Do I need an S-corp election now?

Not automatically. The election makes sense at a certain profit level and adds cost below it. We run your numbers before you commit to payroll and extra filings.

More questions? See the full FAQ or book a discovery call.

Strategy now. Not someday.

One conversation. Real clarity.

No pressure, no judgment, no sales pitch. We'll look at where you are, tell you honestly how we can help, and you'll leave with clarity either way.

Book a Discovery Call

Existing clients: message us in the client portal.