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Bitcoin Taxes 2025: What Matters Now, What Could Matter Later, and Overlooked Planning Ideas
Bitcoin taxes in 2025 mark a turning point for U.S. crypto holders. With new IRS reporting rules, wallet-by-wallet cost basis tracking, and increased enforcement, documentation matters more than ever. This guide explains what has changed, what still works, and which planning ideas are often overlooked.
Dec 20, 202513 min read


NYC-NJ Commuter Taxes in 2026: The Rules Nobody Explains Clearly
NJ residents working for NYC employers face the highest audit rates in the Tri-State area. Understanding the convenience rule, remote work taxation, and NJ tax credits is essential for 2026 compliance.
Jan 32 min read


2026 Crypto Taxes for NJ Investors: The Year Enforcement Gets Real
2026 is the first year where the IRS will have your crypto transaction data before you do, thanks to Form 1099-DA.
Jan 22 min read


NY, NJ & CT 2026 Sales Tax Expansion: What Service Providers Must Know
The Tri-State is entering a new era of sales tax enforcement. NY already taxes nearly every digital deliverable.
Jan 12 min read


The NJ S-Corp Election Trap: Why Many Owners Are Still Taxed as C-Corps
Most NJ owners assume filing a federal S-Corp election automatically makes them an S-Corp in New Jersey. That's only partially true.
Dec 31, 20253 min read
S-Corp Salary vs. Distributions in 2026: The IRS Is Watching These Red Flags
S-Corp salary vs distributions rules are changing in 2026. The IRS is now using AI to flag owners with low wages and high distributions—especially December "catch-up" payrolls. If your business earns $200K–$350K, reasonable compensation should be $85K–$140K, not the $35K–$60K many try. SECURE 2.0 eliminates year-end fixes, and NJ's BAIT election requires aligned wages. Essex County S-Corp owners in therapy, consulting, and agencies face the highest audit risk.
Dec 29, 20252 min read


Bitcoin ETF 401k: The Great Awakening - How Your Boring Retirement Account Became a Bitcoin Gateway
The regulatory landscape for Bitcoin ETFs in 401(k) plans shifted dramatically in 2025. Executive Order 14330 opened access, the DOL rescinded restrictive guidance, and Form 1099-DA takes effect January 1, 2026. This article explains the structural changes, tax reporting differences between retirement and taxable accounts, fiduciary considerations for plan sponsors, and key compliance questions—without providing investment advice.
Dec 28, 20258 min read


NJ Exit Tax Explained: What You Owe When Selling Property and Leaving New Jersey
If you’re moving out of New Jersey and selling property, you’ll likely encounter the “NJ exit tax.” It’s not a special tax — it’s withholding — and knowing the rules can prevent surprises at closing.
Dec 27, 20254 min read


NJ LLC vs. S-Corp: Which Business Structure Saves You More in NJ Taxes?
In New Jersey, switching from LLC to S-Corp can save thousands by reducing self-employment taxes — but the savings only work if your profits and payroll strategy make sense. Here’s the full NJ-specific breakdown.
Dec 27, 20254 min read


NJ Inheritance Tax: Who Pays When You Leave Assets to Family and Friends
New Jersey doesn’t have an estate tax, but it still has an inheritance tax — and many families misunderstand who owes it. Learn the beneficiary classes, exemptions, and planning steps to reduce tax exposure.
Dec 27, 20254 min read


NJ BAIT Election: The SALT Cap Workaround That Saves NJ Business Owners Thousands
NJ BAIT is one of the biggest federal tax planning opportunities for pass-through businesses. This guide explains who qualifies, how the election works, and why timing (March 15) matters.
Dec 27, 20254 min read


Starting a Business in NJ: The Complete Tax Registration Checklist
Starting a business in New Jersey requires more than forming an LLC — you need the right tax registrations (EIN, NJ-REG, sales tax, payroll). This checklist walks you through the correct order so you avoid penalties.
Dec 27, 20254 min read


NJ Tax Changes 2025: Every Business Owner Needs to Know
New Jersey quietly changed several major tax rules heading into 2025 — including expanded taxable services, EV exemption phaseout, QSBS capital gains recognition, and BAIT updates. Here’s what you need to know (and do) now.
Dec 27, 20254 min read


NJ Capital Gains Tax: Why Your Investment Gains Are Taxed Differently Here
New Jersey taxes capital gains differently than the IRS — and it can surprise investors. Learn how NJ treats stock sales, real estate gains, and losses (and what you can do before year-end).
Dec 27, 20255 min read


NJ NY Commuter Tax: Your Complete Guide to Living in NJ, Working in NYC
If you live in New Jersey and work in New York City, you’ll file returns in both states — but NJ gives a credit for NY taxes so you’re not double-taxed. Here’s how it works (and what mistakes to avoid).
Dec 27, 20255 min read


Small Business Accountant Essex County: What to Look For (and What It Costs)
Looking for a CPA in Essex County? This guide explains what a small business accountant actually does, typical costs in 2025, what red flags to avoid, and how to choose someone who supports you year-round.
Dec 27, 20254 min read


NJ Quarterly Estimated Taxes: A Complete Guide for Self-Employed Professionals
New Jersey business owners often need to pay quarterly estimated taxes to avoid penalties and underpayment interest. NJ quarterly estimated taxes are advance payments of state income tax required when your income isn't subject to withholding. Self-employed individuals, freelancers, and business owners expecting to owe $400 or more in NJ taxes must make quarterly payments to avoid underpayment penalties. Who Must Pay NJ Estimated Taxes? You must make NJ estimated tax payments
Dec 27, 20254 min read


Health Insurance Deductions NJ | Open Enrollment Strategy
Health Insurance Deductions NJ — Make Open Enrollment Count Each fall, small business owners review coverage options — but few realize open enrollment is also a prime time for health insurance deductions NJ planning. Here’s how to make every premium dollar count. Step 1: Evaluate Deductibility Self-Employed/LLC: Premiums are deductible on your personal return if you have net profit. S-Corp Owners: Must pay or reimburse premiums through the business and report on the W-2. Ste
Dec 19, 20251 min read


Quarterly Estimated Taxes NJ | Dates, Safe Harbors & Tips
Quarterly Estimated Taxes NJ — Avoid Penalties & Surprises If you’re self-employed or own an LLC or S-Corp, you’re required to make quarterly estimated taxes NJ payments throughout the year. Here’s how to calculate, plan, and stay penalty-free. The 4 Key Due Dates April 15 — Q1 payment June 15 — Q2 payment September 15 — Q3 payment January 15 (next year) — Q4 payment Mark these on your business calendar and set reminders. How Much to Pay — Safe Harbor Rules To avoid underpa
Dec 18, 20251 min read


Reasonable Compensation Study NJ | For S-Corp Owners
Reasonable Compensation Study NJ — The S-Corp Must-Have If you’re an S-Corp owner paying yourself, the IRS expects you to take a reasonable salary before distributions. A reasonable compensation study NJ helps prove your pay is compliant — and defensible. Why It Matters Underpaying salary = audit risk. Overpaying = unnecessary payroll taxes. A documented study finds the right balance. What’s in a Compensation Study Role & duties analysis Industry & regional pay data Time allo
Dec 14, 20251 min read
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