Tax Services
Tax filed,
back taxes cleared
Federal, state, and cross-border tax — prepared by your Debit team, signed by a licensed CPA. Includes multi-year back-tax cleanup for owners and HNW individuals, up to 6 years of unfiled returns brought current.
Best for: owners and HNW individuals with complex, multi-year, or overdue filings.
A late or wrong return is a five-figure problem.
Unfiled or misfiled returns compound. Penalties stack monthly, interest accrues, and a six-year gap can freeze a sale, a loan, or a visa. Debit & Co. builds the return; a licensed CPA reviews and signs it.
Most owners discover the problem under a deadline — diligence, an IRS notice, a lender request. Sourcing a tax firm cold adds weeks. We already hold your books, so the return starts from a clean, current position.
Three tax services, one licensed sign-off.
Debit prepares each return from your live ledger. A licensed CPA partner reviews and signs it. Business, back taxes, and cross-border, coordinated by one team.
01
Business tax
Federal and state returns for pass-throughs, C-corps, and multi-entity groups. Prepared from your live ledger, not a year-end scramble.
02
Back-tax remediation
Up to 6 years of unfiled or amended returns brought current. Penalty abatement and IRS correspondence handled with the licensed CPA.
03
HNW & cross-border
Owner, individual, and cross-border filings, including foreign-income and multi-state exposure. Coordinated with the business return.
Licensed where it counts.
What Debit runs
- Books reconciled to filing-ready detail
- Return preparation and supporting schedules
- Prior-year reconstruction for back taxes
- Document collection and IRS notice triage
What the licensed CPA owns
- Signed federal, state, and local returns
- The PTIN and licensed review
- Penalty-abatement and IRS representation
- An independent licensed CPA partner
How they connect
- One engagement, one data set, one contact
- Returns start from your live books
- No duplicate document request
- One team behind the numbers and the sign-off
Probable fit if…
- Have unfiled or overdue returns to bring current.
- Run multi-entity or multi-state operations.
- Are an HNW owner with cross-border exposure.
- Want tax prepared from live books, not year-end.
Wrong fit if…
- File a simple W-2 return and need nothing more.
- Already have a CPA who signs your returns.
- Need a one-off filing with no bookkeeping.
- Want representation on an active audit only.
Need the full finance function too? See Outsourced Finance & Accounting →
Data security: encrypted data, role-based access, 7-day documented offboarding.
Case studies
Rebuilding AP operations for a construction firm on Dynamics 365. →
ArchTile’s accounts-payable backlog cleared within 60 days after an AP redesign in Business Central restored vendor payment accuracy and project-level payable visibility.
From cash to accrual: a surgery center regains financial visibility. →
Gayoso Plastic Surgery compressed its monthly close from several weeks to under seven business days following a structured cash-to-accrual conversion.
Filing with your books vs. a cold tax firm.
| Buyer compares | Cold tax firm | Debit + CPA partner |
|---|---|---|
| Onboarding | New intake under deadline | Books already in hand |
| Data pulls | Duplicated document chase | One shared data set |
| Back-tax cleanup | Priced per year, slow | Reconstructed from your ledger |
| Accuracy | Reconciles to what you send | Reconciles to live books |
| Point of contact | Two | One |
Senior review behind every signed return.
Senior Controller
Aaron Ressel
25+ years of senior controller seats inside operating B2B businesses. Reviews every close packet weekly.
CFO
Kevin Cahill
25+ years of CFO seats inside operating B2B businesses. Generates monthly insight beyond compliance reporting.
Returns are signed by an independent licensed CPA partner.
Scoped to the filing.
Tax is scoped to entity count, states, and how many years are open. One proposal covers preparation and the licensed sign-off.
Related thinking from the Playbook.
Back taxes
Bringing six years of returns current
Sequencing unfiled years without triggering flags.
Cross-border
Foreign income and the owner return
Where multi-state and cross-border exposure hides.
Four questions before you book.
Can I buy only the CFO or only the accountant?
No. The package staffs all three roles as one team. Bundling the accountant, CFO, and controller costs a fraction of building the same function in-house.
How much CFO and controller time do I get?
Kevin Cahill delivers 10 hours a month of CFO strategy. Aaron Ressel delivers 20 hours a month of controller review. Both join the weekly close.
How fast do the dashboards go live?
Live dashboards for cash, margin, and runway activate by Month 1. The accountant runs daily books from Day 1, closing in 5 to 7 days.
How does this differ from Staff Accountants in scope and price?
This package adds a fractional CFO, a fractional controller, and live dashboards on top of a full-time accountant, run as one team. Staff Accountants delivers the accountant seat alone. See Staff Accountants →
Get your taxes filed right.
Debit prepares the return from your live books and a licensed CPA signs it — business, back taxes, and cross-border under one engagement.