1099 & self-employed
$32,400
Saved in year one
Freelance UX designer, ~$185K in 1099 income
Filing as a sole proprietor. Never made estimated payments and owed $40K+ every April.
$32,400 lower federal + state tax bill in year one. Owed $0 at filing.
Keep more of what you earn, all year long.
We help 1099 earners, real estate professionals, and business owners legally cut their tax bill — and keep it that way. Millions saved for clients. Zero April surprises.
- 1,000+
- Clients served
- $25K–$100K
- Typical client tax savings
- 20 Years
- Serving Clients
This year's plan
Est. tax saved with proactive planning
$20K+
Who we serve
Individuals1099 & Self-EmployedReal Estate ProfessionalsSmall Business Owners
Dreading your tax bill again this year? We can help.
If you work for yourself, chances are you're overpaying — and no one's shown you how to stop. We show business owners how to make the tax rules work for them, planned ahead, with no last-minute surprises.
Tax Planning & Strategy
Proactive, year-round planning plus tailored strategy for your industry — entity moves, deduction structuring, quarterly check-ins, and projections so April holds no surprises.
Learn moreTax Preparation and Filing
Accurate federal and state filing for individuals and 1099 earners — with a real CPA reviewing your return, not software alone.
Learn moreDelinquent & Back Tax Returns
Unfiled years, IRS notices, mounting penalties — we help you get caught up and back to compliant and calm.
Learn moreBookkeeping
Clean, current books that make tax time effortless and give you a clear picture of your business month to month.
Learn moreIRS Representation
Got a letter? We handle audits, notices, payment plans, and resolution on your behalf — so you don't face it alone.
Learn more1099 & Self-Employed Advisory
Entity selection, quarterly estimates, and strategy tailored to contractors, gig workers, and real estate professionals.
Learn moreThe C Lloyd difference
Tired of April surprises and missed deductions?
Most firms show up once a year, hand you a bill, and call it done. We plan ahead of quarterlies, catch deductions others miss, and make the moves that actually lower what you owe — before the year is closed.
Plan before year-end — not scramble in April.
Built for 1099 income — estimates, entity choice, write-offs.
Real estate savvy — depreciation, 1031s, agent deductions.
Proactive, not reactive — we act before deadlines, not after them.
Client stories
What this looks like for real clients
Recent engagements. Client details anonymized; results reflect specific situations and are not a guarantee of future outcomes.
REAL ESTATE - 1031 EXCHANGE
$350,000
SAVED
Investor with long-term rental properties
W-2 with ~$310K household income. Leveraged proper planning around selling assets.
$350,000 reduction in federal tax owed the year the study was placed in service.
Small business
$150,000
Saved in year one
Professional services LLC clearing ~$2M a year
Multi-member LLC with no prior tax planning. Implemented quarterly planning to align entity structure, owner compensation, and retirement contributions with their income.
$150,000 lower total tax bill in the first full year. Retirement savings roughly tripled.
Delinquent & settlement
$100,000
Owed — settled for $1,200
Self-employed (1099) with 5 years of unfiled returns
Years behind on filings and facing roughly $100,000 in tax, penalties, and interest owed to the IRS.
$100,000 tax debt settled for $1,200 through an accepted Offer in Compromise. Back in good standing with the IRS.
What clients say
Trusted by over 1,000 clients
"Craig took the time to explain different tax strategies for my situation. In prior years I tried to file myself but wasted so much time and never felt comfortable with the results. The fees were very affordable for the quality of work — well worth the peace of mind."
Christina F.
Real Estate Professional
"Craig helped me file several years of taxes. The process was painless and well worth the investment. It turned out I would have greatly overpaid filing by myself — his fee was covered several times over by what I saved. Professional and a delight to work with."
Dave T.
Independent Contractor
"Craig was on top of everything and extremely organized. The whole process ran quite smoothly. He was prompt, courteous, and knowledgeable — and stayed with me until the job was done."
Karen D.
Real Estate Investor
Let's build your tax strategy.
Book a consultation and we'll review where you stand and where you could save.
Book a Consultation