Find the Blind Spots
The stuff that's hiding in plain sight on your return. The questions you didn't know to ask. The structures you didn't know existed.
Your CPA Files What You Give Them
Here's the thing about most CPAs: they're reactive. They file what you give them, answer questions you ask, and move on to the next client. But what about the questions you didn't know to ask? That's where the money is.
Return Analysis
What did you miss?
S-Corp Optimizer
Salary vs. distribution
Hire Kids
Done right, not sketchy
Upload last year's return and we'll read it for you. Not to file it. We look for the things worth asking your CPA about, including the stuff that's easy to miss when you're trying to get it done by April 15th.
Step 01
Drop in your 1040, K-1s, and business returns. Encrypted, never shared, never sold. We're not in the data business.
Step 02
Our system scans for common optimization opportunities: deductions that look off, structures that might be inefficient, strategies you might be missing.
Step 03
We're not your CPA. We'll give you a list of smart questions to ask yours and the context for why they matter.
Too low and you invite an IRS audit. Too high and you overpay payroll taxes. The 'reasonable salary' sweet spot is real, and it is not what most people think.
Step 01
Revenue, expenses, what you're currently paying yourself. Takes 30 seconds.
Step 02
The calculator shows the real cost of different salary levels, including payroll tax, income tax, and audit risk.
Step 03
Not a magic number. A defensible range. Take it to your CPA and have a conversation grounded in actual math.
Paying your 14-year-old to do real work in your business is 100% legit and shifts income from your tax bracket to theirs (or zero). Do it wrong and you've got a mess. We show you the rules.
Step 01
Ages, your business structure, and what kind of work they could actually do. Be honest. The IRS is watching.
Step 02
Age limits, reasonable pay rates, documentation requirements, what counts as 'real work.' No shortcuts.
Step 03
Run the numbers on what shifting income to their bracket could mean. Then verify every bit of it with your CPA.
They're busy. They have 200 other clients. They're not lying awake thinking about your tax situation. But you are. So do the homework.
The stuff that's hiding in plain sight on your return. The questions you didn't know to ask. The structures you didn't know existed.
Every strategy has trade-offs. We show you the compliance considerations so you go in with eyes open.
Run the numbers before the meeting. Know what's at stake. Come with scenarios, not just questions.
Export your analysis and share it. Good CPAs love prepared clients. It makes their job easier.
Tax law changes every year. What worked in 2023 might not work now. We keep the tools updated.
We're not trying to fire your CPA. We're trying to make your CPA meetings worth the money.
Decision support
A clear definition and a short checklist keep the conversation focused on decisions, not theory.
Related resources
Pair tax insights with the right tools and follow-ups.
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Estimate payroll-tax savings from a salary split.
Tool
Benchmark a defensible salary range.
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Quick deadline check with a checklist for your CPA.
Tool
Find the minimum quarterly target to reduce penalties.
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One-page report for high-income planning windows.
Resource
Checklist-driven Q4 planning for high-income households.
Resource
Defensible salary range framework and sources.
Resource
Eligibility checklist and IRS source links.
Feature
Surface additional strategies worth exploring.
Important Tax Information
X1 Tax Tools provide educational information and calculations to help you understand potential tax strategies. They do not constitute tax advice. Tax situations vary by individual, and all strategies should be reviewed and implemented by a qualified CPA or tax professional.
X1 Wealth, Inc. is a financial technology company, not a registered investment advisor, CPA firm, or law firm. Our tools provide educational information and should not be construed as personalized financial, tax, or legal advice.
Get Started
Upload your return. Find out what you're missing. Takes 5 minutes.
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Multiply your potential, exponentially.