Keep the Complete Review
A complex return is not forced into an arbitrary card count. Every material supported finding stays available after the priority shortlist.
Tax Optimization
Your tax return is the largest financial document your household produces each year. Tax Optimization reads last year's return against this year's structure, remembers what you decided last time, and packages the questions worth asking before your next CPA meeting.
Year over year
Decisions remembered
Evidence-backed
Every finding shows its basis
Packet-ready
Before the CPA meeting
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, retain every material finding in the complete review, and put the clearest priorities first.
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 checks the planning categories supported by your return, grounds each finding in the available evidence, and applies deterministic coverage and restraint checks.
Step 03
We're not your CPA. You get a prioritized discussion order plus the complete finding register, with the context for why each question matters.
An S-corp salary should be defensible for the work performed and the facts of the business. Model a range, document the assumptions, and review it with your CPA.
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.
Family employment can be appropriate when the work, pay, records, and tax treatment are real. Model the scenario first, then confirm the requirements with your CPA.
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.
Your ownership, income, and family circumstances can change between annual meetings. A current, cited question helps your CPA focus on the decision that needs professional judgment.
A complex return is not forced into an arbitrary card count. Every material supported finding stays available after the priority shortlist.
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 moves every year. What worked last cycle might not work now. The tools stay current and your decision memory carries forward.
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.
Tool
Estimate payroll-tax savings from a salary split.
Tool
Benchmark a defensible salary range.
Tool
Quick deadline check with a checklist for your CPA.
Tool
Find the minimum quarterly target to reduce penalties.
Tool
One-page report for high-income planning windows.
Resource
Checklist-driven Q4 planning for high-income households.
Statistics
Estate tax thresholds and transfer data tied to planning.
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 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
Start with the return you already filed. X1 can help prepare the evidence-backed questions worth bringing to your CPA.
No credit card required to start
Clarity for the household. Confidence for the next move.
X1 Wealth is financial coordination and planning software built by Lever Wealth LLC. X1 Wealth is not a registered investment adviser.