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Romanchuk CPA LLC

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July 15, 2026

What Actually Changed on Your Tax Return: The 2025 Tax Law, Translated

July 15, 2026/ Aleksandr Romanchuk
What Actually Changed on Your Tax Return: The 2025 Tax Law, Translated

The headlines covered the politics. Here’s what the 2025 tax law actually changes on a real family’s return — SALT, tips, overtime, seniors, car loans, and what’s temporary.

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July 15, 2026/ Aleksandr Romanchuk/
Individuals, Tax Planning
July 15, 2026

Quarterly Estimated Taxes: How to Stop Getting Penalized (Without Overpaying)

July 15, 2026/ Aleksandr Romanchuk
Quarterly Estimated Taxes: How to Stop Getting Penalized (Without Overpaying)

The underpayment penalty is an interest charge you can engineer away. Safe harbors, the uneven-quarters trap, and the December withholding trick.

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July 15, 2026/ Aleksandr Romanchuk/
Business Owners, Individuals, Tax Planning
July 10, 2026

Solo 401(k) vs. SEP IRA: The Right Answer for S-Corp Owners (It’s Usually Not the SEP)

July 10, 2026/ Aleksandr Romanchuk
Solo 401(k) vs. SEP IRA: The Right Answer for S-Corp Owners (It’s Usually Not the SEP)

Two retirement plans, very different math for S-corp owners. Why the solo 401(k) usually wins, what the SEP still does well, and the deadline that trips people up.

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July 10, 2026/ Aleksandr Romanchuk/
Business Owners, Retirement Planning
July 10, 2026

Living in NJ, Working in NY: The Commuter Tax Rules Nobody Explains Properly

July 10, 2026/ Aleksandr Romanchuk
Living in NJ, Working in NY: The Commuter Tax Rules Nobody Explains Properly

Two states, one paycheck, and a “convenience of the employer” rule that taxes your work-from-home days. How NJ/NY commuter taxation actually works.

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July 10, 2026/ Aleksandr Romanchuk/
New Jersey, New York, Individuals
July 09, 2026

The Year-End Tax Checklist for Business Owners: 9 Moves That Expire December 31

July 09, 2026/ Aleksandr Romanchuk
The Year-End Tax Checklist for Business Owners: 9 Moves That Expire December 31

After December 31, your CPA can only report what happened. Before it, you can still change the outcome. Nine moves to run before the ball drops.

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July 09, 2026/ Aleksandr Romanchuk/
Tax Planning, Business Owners
July 08, 2026

The NJ BAIT Election: The Deduction Most Business Owners Still Aren’t Taking

July 08, 2026/ Aleksandr Romanchuk
The NJ BAIT Election: The Deduction Most Business Owners Still Aren’t Taking

New Jersey’s pass-through entity tax lets business owners deduct state taxes with no cap. Here’s how BAIT works, who benefits, and how the $40K SALT cap changes the math.

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July 08, 2026/ Aleksandr Romanchuk/
New Jersey, Business Owners
July 07, 2026

S-Corp Owners: Your Salary Is a Tax Decision (And Most Get It Wrong)

July 07, 2026/ Aleksandr Romanchuk
S-Corp Owners: Your Salary Is a Tax Decision (And Most Get It Wrong)

Set your S-corp salary too low and you invite IRS scrutiny. Set it too high and you overpay payroll tax for years. Here’s how “reasonable compensation” actually works.

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July 07, 2026/ Aleksandr Romanchuk/
Business Owners, S Corporations
July 07, 2026

The SALT Cap Quadrupled. NJ Homeowners: It’s Time to Re-Test Your Deductions

July 07, 2026/ Aleksandr Romanchuk
The SALT Cap Quadrupled. NJ Homeowners: It’s Time to Re-Test Your Deductions

The state and local tax deduction cap jumped from $10K to $40K. If you’ve been taking the standard deduction on autopilot, that decision needs to be re-run.

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July 07, 2026/ Aleksandr Romanchuk/
Tax Planning, New Jersey
July 07, 2026

The RSU Double-Tax Trap: Why Your Broker’s 1099-B Is Costing You Thousands

July 07, 2026/ Aleksandr Romanchuk
The RSU Double-Tax Trap: Why Your Broker’s 1099-B Is Costing You Thousands

Brokers routinely report $0 cost basis on vested RSUs. File it as-is and you pay tax on the same income twice. Here’s how the trap works and how to fix it.

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July 07, 2026/ Aleksandr Romanchuk/
Equity Compensation, Tax Planning
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Romanchuk CPA LLC

Romanchuk CPA LLC is a virtual CPA firm offering tax preparation, advisory, and year-round support for small businesses and their owners, professionals, and individuals with complex tax situations - delivered through a secure digital process, at prices published before you even sign up.

Licensed CPA - Serving clients in all 50 states - Established 2014 - 500+ Clients


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