Indianapolis tax help from a CPA with 30+ filing seasons.
Montgomery Tax & Accounting Services is a small CPA office in Broad Ripple. We've prepared returns for W-2 families, retirees, the self-employed and small businesses since 1998, and we take new clients all year, not just in April.
- Certified Public Accountant
- MBA, Indiana University
- Serving clients since 1998
- In person or fully remote
Sample figures using 2026 brackets. Run your own numbers in the refund estimator.
years of experience as a Certified Public Accountant
the year Montgomery Tax & Accounting opened
federal return types we file: 1040, 1041, 1065, 1120, 1120-S, 706 and 709
months a year we take on new clients
What's sitting on your kitchen table?
Tap the one that sounds like your year.
Most tax problems have a normal fix.
An IRS notice, a new 1099, a move or a death in the family each has a usual path through the tax code. Pick the one closest to yours and see what typically happens next.
Don't ignore it, and don't pay it yet.
Look for the notice number in the upper or lower right corner: CP2000, CP14, CP501 and so on. It tells you what the IRS thinks happened and how long you have to answer, often 30 days. Plenty of notices are wrong or only partly right, and many close with a letter and the right documents.
How we handle IRS letters and auditsYou're now a business, so the IRS expects quarterly payments.
Side income means self-employment tax (15.3%) on top of income tax, and nobody is withholding it for you. Keep receipts and a mileage log from day one, set money aside from every payment, and plan on four estimated payments a year once you expect to owe $1,000 or more.
Small business returns and bookkeepingYour tax picture changes the year the paychecks stop.
Pension and IRA withholding, how much of your Social Security gets taxed, and when required minimum distributions start (age 73 for most people now) all need a fresh look. If you're 65 or older, the new $6,000 senior deduction applies for 2025 through 2028, on top of the regular extra standard deduction.
Returns for retirees and W-2 householdsPlanning happens before December 31, not in April.
By the time you file, most of the year's choices are already locked in. A planning session in the fall looks at withholding, retirement contributions, the timing of big purchases or sales, and whether your business should change how it's taxed.
Tax planning and business setupThere's usually a final 1040, and sometimes an estate return.
Someone has to file the person's last individual return. If the estate earns $600 or more in income while it's being settled, it files its own Form 1041 too. We work alongside the family's attorney so the executor isn't carrying the tax side alone.
Estate, trust and gift returnsYou'll likely file two part-year state returns.
Indiana taxes you as a resident for the part of the year you lived here and as a nonresident on Indiana income earned after you left (or the reverse). Your county tax follows where you lived on January 1. Getting the split right keeps you from paying two states on the same dollar.
Multi-state and part-year returnsSix kinds of work, one small office
The same CPA reviews every return that leaves the office, whether it's a single W-2 or a partnership with four owners.
Individual tax returns
W-2 families, retirees, investors and anyone whose year got complicated.
- Who we prepare returns for
- Retirees and the senior deduction
- What changed for 2026
Small business tax & bookkeeping
Business returns, monthly books and payroll for owners who'd rather be working.
- Schedule C to C-corp returns
- Books that are ready at tax time
- Payroll and 1099s
IRS letters, audits & back taxes
Notices, exams, unfiled years, payment plans and penalty relief.
- The notices we see most
- Unfiled years
- Payment plans and penalty relief
Tax planning & business setup
S-corp elections, entity choice, retirement contributions and estimated taxes.
- When an S-corp election pays
- Choosing an entity
- Estimated taxes without surprises
Estate, trust & gift returns
Final returns, estate income tax and gift filings for families settling affairs.
- Final returns for someone who passed
- Estate and trust income tax
- Gift and estate tax returns
Multi-state returns
Moved, commuted, worked remotely or earned money in more than one state.
- Moved during the year
- Live in Indiana, work elsewhere
- Indiana county tax
Refund or balance due? Find out in ten seconds.
Three quick estimates built on the 2026 federal figures: a W-2 refund, what an LLC owes, and when an S-corp pays off.
Wages, interest, pension and other income, before any deductions.
Box 2 of your W-2s plus any estimated payments you've made.
Counts the new senior deduction (2025 to 2028) and the extra standard deduction.
Estimated federal refund
Based on the 2026 standard deduction and brackets.
- Standard deduction$0
- Taxable income$0
- Tax before credits$0
- Child tax credit$0
- Your 2026 federal tax$0
A rough federal estimate for tax year 2026 using the standard deduction. It leaves out itemizing, self-employment tax, capital gains, other credits and Indiana tax. Your real return can differ.
Everything the LLC brought in for the year, before expenses.
Supplies, software, rent, mileage, contractors, insurance and other ordinary business costs.
W-2 pay for you (and your spouse if filing jointly). It pushes LLC profit into higher brackets.
Estimated federal tax on your LLC profit
- Net profit (revenue minus expenses)$0
- Self-employment tax (15.3%)$0
- QBI deduction (20% of qualified profit)$0
- Federal income tax on the profit$0
- Suggested quarterly estimated payment$0
For a one-owner LLC taxed the default way, as a sole proprietor on Schedule C. Uses 2026 federal brackets, the standard deduction and the 20% QBI deduction. It leaves out Indiana and county tax, QBI limits at higher incomes, and the 0.9% additional Medicare tax.
Revenue minus business expenses: the bottom line of your Schedule C.
The IRS expects a reasonable wage for the work you do. Too low is an audit flag.
Payroll service, the separate 1120-S return and state filings.
Estimated yearly savings
- Payroll tax on your salary$0
- Extra S-corp costs$0
- Break-even profit at this salary ratio$0
Compares 2026 Social Security and Medicare tax only (15.3%, Social Security capped at $184,500 of wages). It ignores income-tax effects, the QBI deduction, state rules and retirement plan changes. That's the conversation we have before anyone files Form 2553.
Things we tell clients every spring
A big refund isn't a win
That's the interest the IRS paid you on the money you overpaid all year. Fix your W-4 and keep it in your paycheck instead.
Why we say this Self-employedFour dates to put on the fridge
April 15, June 15, September 15, January 15. Plus the safe-harbor rule that keeps underpayment penalties off your bill.
Estimated taxes, simply Business ownersWhen an S-corp actually pays off
It's not a magic tax break. It works once profit clears a certain line, and the salary you pay yourself has to hold up.
Run the numbers IRS mailGot an IRS letter? Do these four things first
And one thing never to do: call a number from a text message. The IRS starts contact by mail.
The four steps PaperworkShred it or keep it?
Three years for most returns, seven for a few, and some records until you sell the house. A clear list for the filing cabinet.
The records list Deadline tricksMoves that still count after New Year's
IRA and HSA contributions made by the April filing deadline can still lower last year's tax. SEP-IRAs can wait even longer.
What still countsA two-person office in the Broad Ripple Executive Offices
You work with a CPA and an assistant who know your file, not a seasonal preparer you'll never see again. Drop documents at the office, or send them from home and sign electronically. Clients come to us from Broad Ripple, Meridian-Kessler, SoBro, Nora and Carmel, and plenty file with us from other states.
How the office works- Monday8:30 AM to 5:30 PM
- Tuesday8:30 AM to 5:30 PM
- Wednesday8:30 AM to 5:30 PM
- Thursday8:30 AM to 5:30 PM
- Friday8:30 AM to 5:30 PM
- SaturdayClosed
- SundayClosed
Indianapolis, IN 46220
Questions people ask first
We quote each return before we start, because the work depends on what's in it. A W-2 household taking the standard deduction is a different job from a Schedule C with a rental property. Call with a quick description of your year and you'll have a number before any work begins.
No. You can drop documents off at 1111 E 54th St, Suite 114, or send everything from home and sign electronically. Some clients like to sit down once a year; others never come in. Both work.
Yes. We work year-round and take new clients in any month. Summer and fall are when we do most of the extended returns, unfiled years, IRS letters and planning for next year.
Yes, and the sooner the better. We pull your IRS wage and income transcripts, prepare the missing returns (the IRS usually focuses on the most recent six years), and set up a payment plan if there's a balance. If you're owed refunds, those only stay claimable for about three years.
Yes. We have clients across Indiana and in other states, and we prepare multi-state returns for people who moved or earned income in more than one state.
Yes. CPAs have full rights to represent taxpayers before the IRS in audits, collections and appeals. With a signed power of attorney (Form 2848), we can talk to the IRS on your behalf so you don't have to.