How to Cut Taxes Legally Without a High-End Firm

Most small business owners and high-income professionals want to reduce taxes — but are unsure how to do it without crossing lines or hiring a “boutique” firm with five-figure fees. At Polaris Tax & Accounting, we specialize in helping real people legally reduce their tax burden with transparent, compliant strategies — no million-dollar income required.

If you’ve ever thought tax reduction requires “insider tricks” or wealth management teams, let us show you a better, more accessible path. Our approach to affordable tax planning in Sunrise, FL is built around clarity, compliance, and long-term savings.

Why Legal Tax Reduction Isn’t Just for the Wealthy

There’s a misconception that legal tax strategy is reserved for ultra-wealthy clients. But the truth is, the tax code contains dozens of perfectly legal strategies that apply to business owners, S-Corp shareholders, real estate investors, and freelancers making six figures or more.

What’s missing for most is:

• Guidance on which strategies apply

• Help structuring them legally and correctly

• Ongoing support to adjust over time

That’s exactly what we provide.

7 Legal Ways We Help Clients Cut Taxes

These are not loopholes — they are IRS-approved frameworks available to most clients when implemented properly.

S-Corporation Optimization

Structuring your business as an S-Corp can significantly reduce self-employment tax. With proper compensation planning and quarterly strategy, this structure is a powerful, legal way to reduce taxes.

Accountable Plans

An accountable plan allows your business to reimburse you for out-of-pocket expenses — like home office, phone, and travel — without counting it as income. You get reimbursed tax-free, and the business gets the deduction.

Retirement Contributions

Maximizing contributions to Solo 401(k)s, SEP IRAs, and defined benefit plans reduces current-year taxable income while building long-term wealth.

Health Reimbursement Arrangements (HRAs)

HRAs offer tax-free reimbursement for medical expenses. When properly structured, they’re a compliant and efficient way to shift healthcare costs from personal to business expenses.

Real Estate Depreciation

If you own rental property, cost segregation and accelerated depreciation can create major paper losses — legally lowering your tax bill even while your assets appreciate.

Augusta Rule

This IRS rule allows homeowners to rent their home to their business for up to 14 days per year — tax-free. When used with proper documentation, it’s a legitimate way to move money from your business to you without taxation.

Timing of Income and Expenses

With year-end planning, we help clients legally accelerate deductions and defer income to reduce liability in the current tax year.

What Separates Polaris from High-End Firms

We’re not a luxury CPA firm, but our approach is built on the same quality of expertise — just without the exclusivity or inflated pricing.

Here’s how we’re different:

Use the Tax Strategy Finder Tool — Free and Fast

You don’t need a proposal or sales call to see if you qualify for real tax strategies.

Try our Tax Strategy Finder Tool — no sign-up required. You’ll answer a few simple questions and get instant insights into what strategies could apply to your situation.

Work With a Firm That Puts Strategy First

If you’re in Sunrise, FL — or anywhere across the U.S. — and want to legally cut your tax bill without jumping through hoops, we’d love to help.

We serve:

• S-Corp owners

• Freelancers and consultants

• Real estate investors

• Professionals earning six figures or more

Call us at 704-947-3178 or book a consultation to get started.

Learn more about our affordable tax planning in Sunrise, FL and experience tax strategy without the gatekeeping.