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I'm Amanda Han, I'm a CPA, and I've spent over 20 years doing tax planning for more than a thousand clients.

The sentence I hear on first calls more than any other is, “my CPA never told me any of this.”

Your CPA probably isn't a bad person. Most CPAs were just trained to file, which means reporting on what already happened.

That's driving while you only look in the rearview mirror, and planning is looking through the windshield.

The biggest savings come from how your income is classified, where it's routed, and what you change before December 31.

One of our clients, a surgeon, had a $280K K-1 filed as active income when he was really a passive investor.

Fixing that, plus two other moves, took his tax bill from over $232K to just under $130K in one year.

And you don't have to quit your job, become a “real estate professional,” or do anything in the gray area to do this.

Matt and I are teaching exactly how it works in our free live masterclass, The Windshield Plan, on Thursday, October 29 at 12 PM Pacific, so tap below and register.

His name's Tyler, he earns about $750K a year, and his old CPA had pretty much told him nothing could be done.

When he came to us, we didn't start with deductions, we looked at how each piece of his income was classified.

He'd invested in an imaging center that paid him a $280K K-1, and it was being filed as active income even though he was a passive investor.

That matters, because passive income can be offset by passive losses, like the depreciation on a rental.

So we fixed the filing, did a cost segregation study on the rental he already owned in Arizona, and added a few real estate syndications.

His bill went from over $232K to just under $130K, which is more than $102K he got to keep in one year, legally, without becoming a real estate professional.

Matt and I are both CPAs, we invest in real estate ourselves, and we co-wrote the two BiggerPockets books on tax strategy for real estate investors.

If you've got a K-1 like Tyler's, you want someone looking at it before December 31, not after your return's filed.

We're breaking down this exact fix in our free live masterclass, The Windshield Plan, on Thursday, October 29 at 12 PM Pacific, so tap below and register now.

They came to us earning about $1.5 million a year, both working full time, and they didn't want their lives getting any more complicated.

So we did three things.

First, we ran a K-1 through an S corporation and used the PTE tax break, which saved them over $83K.

Second, we added a defined benefit plan on top of their 401(k), and that moved an extra $196K into retirement instead of taxes.

Third, they bought one $800K short-term rental, and because they put in the hours to run it themselves, about $282K of first-year depreciation could offset their W-2 income.

All in, their tax bill came down by more than $237K, and neither of them quit their job.

The rental part only counts for this year if it's placed in service by December 31, so timing really matters.

Matt and I are both CPAs, we've done this for over 20 years for more than a thousand clients, and all of it's IRS-compliant.

We're walking through all three moves on Thursday, October 29 at 12 PM Pacific in our free live masterclass, The Windshield Plan, so tap below and register.

I'm Amanda Han, I've been a CPA for over 20 years, and this is why your tax bill keeps climbing even when your CPA's doing a good job.

Filing your taxes is driving while looking in the rearview mirror. Your CPA reports what already happened, accurately and on time.

It's important work, but by then the year's over and the number can't change.

Planning is looking through the windshield, deciding before December 31 how your income gets classified, where it's routed, and what you put your money to work in.

We call that changing your facts, and it's completely legal.

It's how one of our physician clients moved an extra $196K into retirement instead of taxes, and how a surgeon we work with took more than $102K off one year's bill.

At my Big 4 job I watched my wealthiest clients plan every single year while everyone else just filed, so Matt and I built Keystone around giving every client planning, not just filing.

And none of it means quitting your job, becoming a “real estate professional,” or doing anything in the gray area.

We're teaching the whole Windshield Plan in a free live masterclass on Thursday, October 29 at 12 PM Pacific, so tap below and register for your seat.

I'm Amanda Han, I'm a CPA, and in 2025 the One Big Beautiful Bill permanently brought back 100% bonus depreciation.

That means if the right rental is placed in service this year, a big part of it can be written off in year one instead of over decades.

A physician couple we work with bought one $800K short-term rental and got about $282K of depreciation in the first year.

That was one of three moves that cut their bill by more than $237K, and neither of them quit their job.

But that only counts for this year if the property's placed in service by December 31.

Paying your kids or spouse through your business has to happen during the year too, and a defined benefit plan has its own setup deadlines.

So if you wait for your CPA to bring it up in April, most of those windows have already closed.

Stay to the end of our masterclass and you'll get our 2026 Year-End Tax Move Calendar, with every one of those deadlines on one page.

We've done this for more than a thousand clients, and everything we teach is IRS-compliant, with nothing in the gray area.

The Windshield Plan is free and live on Thursday, October 29 at 12 PM Pacific, so tap below and register while there's still time to use it this year.