Individuals and households
Personal tax service from professionals
Tax expertise built around your whole financial picture
Most people outgrow the simple tax return somewhere along the way. A new job, a rental property, a business on the side, stock options, a major life event; each one adds a layer that makes getting taxes right more important and more complicated.
RWM & Company works with individuals who have financial situations that deserve real attention. We prepare accurate returns, identify every credit and deduction you’re entitled to, and provide year-round guidance so you’re never caught off guard when tax season arrives. Whether you’re filing jointly for the first time or managing a complex mix of income sources, we bring the expertise to make it manageable.
THE CHALLENGE
Tax time doesn’t have to feel like this
For individuals with more complex financial situations, taxes come with real stress and real risk:
- Uncertainty about what needs to be reported, which deductions apply, and whether the return is actually correct
- Surprise tax bills from under-withholding, estimated payment miscalculations, or unplanned income events
- Missing credits and deductions you didn’t know to look for, in education, retirement, energy, healthcare, and more
- Life changes, like marriage, divorce, a new home, a new baby, or an inheritance, that alter your tax picture in ways you may not anticipate
- Multiple income sources (W-2, self-employment, investments, rentals, K-1s) that make returns complicated and easy to get wrong
- IRS or state notices that arrive without warning and don’t come with a clear explanation of what to do next
Tax mistakes are expensive. The right help prevents most of them.
THE SOLUTION
Accurate returns, fewer surprises, and a plan for what’s ahead
RWM & Company helps individuals take control of their tax situation, not just at filing time, but all year long:
- Thorough, accurate tax preparation with careful attention to every income source, deduction, and credit
- Year-round planning to manage withholding, estimate payments, and avoid unexpected balances due
- Proactive guidance around life events — buying a home, changing jobs, getting married, selling investments — before they become tax problems
- Advice on retirement contributions, HSAs, charitable giving, and other strategies that reduce your tax burden over time
- Support if you receive an IRS or state notice, have an amended return to file, or need help resolving a prior-year issue
- A team that explains things in plain language and makes sure you understand your own financial picture
Less stress. Fewer surprises. A clearer path forward.
Tax services built around you
For individuals, the services that matter most are tax preparation and tax planning. Here’s how we approach both.
Tax Preparation
Accurate, thorough federal and state tax preparation for individuals with complex returns, including multiple income sources, investments, rentals, self-employment, equity compensation, and more. We file correctly, on time, and with your full picture in mind.
Tax Planning
Year-round planning that helps you manage withholding and estimated payments, time income and deductions strategically, and build a long-term approach to reducing what you owe. We look ahead so you’re never caught off guard.
Going beyond the annual return
Tax preparation is the starting point. Here’s where we go deeper for individuals with more complex situations or bigger financial goals.
Life Event Tax Planning
Marriage, divorce, a new child, buying or selling a home, a job change, an inheritance—each one changes your tax picture. We help you navigate these moments with advance planning so they don’t result in unwanted tax bills or missed opportunities.
Complex Income Situations
Multiple W-2s, self-employment or freelance income, rental properties, K-1s from a partnership or trust, investment gains and losses, equity awards; we handle returns with complexity and make sure everything is reported correctly and optimally.
IRS & State Notice Resolution
Receiving a notice from the IRS or your state tax authority is unsettling. We handle communication with tax authorities on your behalf, help you understand what’s being asked, and work toward the best possible resolution, whether that’s a simple clarification or a more involved response
Retirement & Long-Term Planning
We help you think about retirement contributions, Roth conversions, required minimum distributions, and the tax implications of your investment accounts and income strategy over time. Good planning now makes a meaningful difference later.
Equity Compensation & Investment Planning
Stock options, RSUs, and investment sales can create large, unexpected tax events if not managed carefully. We help you understand your options, time decisions to reduce tax exposure, and avoid common mistakes with alternative minimum tax and capital gains.
Why individuals choose RWM
Tax software can handle simple returns. What it can’t do is know your situation, ask the right questions, or spot the planning opportunity buried in your financial picture.
Our clients work with RWM because they want someone in their corner: A tax professional who pays attention, knows the tax code, and gives them straightforward answers in plain language. No jargon, no surprises, and no being passed off to someone who doesn’t know them.
FAQs
Who is RWM & Company’s individual tax service a good fit for?
We work best with individuals whose returns have moved beyond the simple—multiple income sources, investment activity, rental properties, self-employment, equity compensation, major life events, or anyone who wants year-round planning rather than a once-a-year filing. If you’ve outgrown tax software or a seasonal tax service, we’re worth a conversation.
What does RWM include in individual tax preparation?
We prepare federal and state returns (including multi-state where needed), handle all income types and schedules, and look for every credit and deduction you qualify for. We also review your prior year’s return when we first work together to make sure nothing was missed.
How does tax planning for individuals work at RWM?
Planning is a year-round conversation. We review your income, withholding, and estimated payments during the year, advise on timing decisions like investment sales or retirement contributions, and check in around any major changes in your life or finances. The goal is to reduce surprises and steadily lower your tax burden over time.
Can RWM help if I receive an IRS notice or am being audited?
Yes. We help clients respond to IRS and state tax notices, represent them in audits, file amended returns, and resolve outstanding issues with tax authorities. If you receive a notice, don’t ignore it; bring it to us. We’ll help you understand what it means and what to do next.
Does RWM help with taxes for rental properties?
Yes. Rental income has its own set of rules around depreciation, deductions, passive activity, and reporting. We make sure rental property income is handled correctly on your return and advise on strategies, like depreciation planning or structuring a sale, to manage your tax exposure over time.
How does RWM approach taxes for individuals with equity compensation?
Stock options, RSUs, and employee stock purchase plans all have different tax treatment, and the timing of exercises and sales matters a great deal. We help clients understand their equity awards, model out the tax impact of different scenarios, and make decisions that reduce unnecessary tax exposure.
Take the stress out of tax season—for good
You’ve got enough going on. Let RWM & Company handle your taxes with the care and expertise your financial picture deserves. Reach out and let’s get started.