PenCoast Tax Services

PenCoast Tax Services Serving our community with reliable and personalized tax services for 19 years! Thank you for allowing us to be a part of your financial journey!

From tax preparation to planning, we’re here to simplify the process and support you through every step. Hello,

I'm Brandon Ferrell in Belmont, bringing 20 years of experience in tax preparation. My journey started in 2005 in San Carlos, focusing on a range of tax returns. The pandemic shifted my work to remote from Moss Beach, but now I'm back in Belmont. Taxation is a dynamic field. My goal is

to make it simpler for my clients, dealing with everything from rental properties to energy credits and ensuring maximum deductions and credits. Recent global changes have reshaped priorities, and I'm looking to connect with those who value expert tax advice. Let's meet in Belmont for a chat about your tax concerns. All the best,
Brandon Ferrell, CRTP

"Our nation owes a debt to its fallen heroes that we can never fully repay, but we can honor their sacrifice."Today, we ...
05/25/2026

"Our nation owes a debt to its fallen heroes that we can never fully repay, but we can honor their sacrifice."

Today, we honor our fallen heroes.

Happy Memorial Day from PenCoast Tax

🇺🇸

05/20/2026

PenCoast Tax is closing our Belmont office after 3 amazing years.

In that time, we’ve helped 200+ clients with tax returns, extensions, payroll adjustments, tax planning, and everything in between.

What started as a one-person operation has grown into a four-person team.

Now, we’re bringing PenCoast Tax home to Moss Beach and continuing to serve our clients remotely.

Same people. Same care. Just a different view outside the window. 🌊

We’re grateful for every client who trusted us along the way — and we’re excited to welcome new clients in 2026.

At PenCoast Tax, we believe taxes should feel a little less overwhelming… and a lot more human.

✅ PenCoast is here to help everyone with their taxes, no matter your generation.➡️ https://pencoast.com/
05/12/2026

✅ PenCoast is here to help everyone with their taxes, no matter your generation.

➡️ https://pencoast.com/

04/30/2026

Taxes are done hallelujah
The sun is shining hallelujah
Having Thai food for lunch hallelujah

04/20/2026

Here’s a little advice from the tax guy…

It’s post–April 15. Some people owe. Some people are getting refunds.
Either way, this is one of the best moments of the year to understand where you actually stand financially.

Three things that are crucial:

1. Know your real numbers
Not what you think you make or spend—what actually happened.

Your tax return tells a story: income, deductions, habits. Read it.

2. Understand your cash flow
Are you living within your means?
If you owed, where did the gap come from?

If you got a refund, was it intentional—or just overpaying all year?

3. Have a plan going forward
Adjust your withholdings. Set up estimates.

Don’t repeat the same surprise next April—good or bad.

⸻

Taxes aren’t just compliance—they’re a mirror.

Use it.

04/10/2026

There’s been some chatter going around that “Social Security is now tax-free.”
That’s not actually what happened.

What changed is this:

👉 A new deduction for seniors was created
👉 It allows older taxpayers to reduce their taxable income a bit more
👉 That can help lower the overall tax bill

But here’s the important part:

❗ Social Security is still taxable depending on your total income

⸻

How to think about it:

If you’re receiving:
• Social Security
• IRA or retirement withdrawals
• Pension income
• Investment income

The IRS still looks at the total picture to determine how much of your Social Security is taxable.

This new deduction doesn’t eliminate that calculation—it just gives you a little more room on the back end by lowering taxable income.

⸻

So the real takeaway:

This is a helpful tax break for seniors—but it’s not a “no tax on Social Security” rule.

⸻

And like everything in tax:
• Income levels matter
• Timing of withdrawals matters
• Planning matters

I’m already walking clients through how this fits into their bigger picture, especially around distributions and estimated taxes.

If you’ve heard something different or want to understand how it applies to you, reach out—happy to talk it through.

Brandon Ferrell
PenCoast Tax Services

04/10/2026

A quick note from a tax guy—not a financial planner 👇

I sit in front of hundreds of real-life situations every year. If you’re trying to get a handle on your finances, here are the basics I see actually help:

1. Start where you are.
No timelines, no comparison—just your reality today.

2. Get clear on the numbers.
Income, expenses, accounts. No judgment—just understanding.

3. Know your baseline.
What does it cost to live your life each month?

4. Mistakes happen.
Missed estimates, underwithholding, surprises… all fixable.

5. Pick one or two things to improve.
Adjust withholding, build a small cushion, clean up one area.

6. Don’t tie your worth to your money. Finances are a skill set, not a measure of who you are.

7. Keep it simple and consistent.
You don’t need a perfect plan—just steady movement.

This isn’t about selling anything.
It’s just what I’ve learned sitting across the table from people, year after year.

Clarity → small changes → progress.

Brandon Ferrell
PenCoast Tax Services

🙏 Thank you, Diego!"Very knowledgeable, responsible and kind. PenCoast Tax is very professional and trustworthy. The bes...
03/29/2026

🙏 Thank you, Diego!

"Very knowledgeable, responsible and kind. PenCoast Tax is very professional and trustworthy. The best!" -Diego, a PenCoast Tax client

We're proud to work with people along the San Francisco coast and the Bay Area. At PenCoast Tax, we're here to make taxes feel a little less overwhelming--and a lot more human.

🎉 Happy Friday!From,PenCoast Tax
03/28/2026

🎉 Happy Friday!

From,
PenCoast Tax

be grateful that today is a new day 🌄Hi friends ✨ We’re PenCoast Tax Services, your friendly neighborhood tax pros in Be...
03/27/2026

be grateful that today is a new day 🌄

Hi friends ✨

We’re PenCoast Tax Services, your friendly neighborhood tax pros in Belmont.

We’re growing this season and are excited to welcome new clients!

Everything starts through our secure client portal, so onboarding is smooth and simple.

🔗 Head to pencoast.com

🔘 Click “New Client”

📩 Create an account & we’ll take it from there

Let’s make taxes feel a little less overwhelming—and a lot more human.

Address

1291 Fifth Avenue
Belmont, CA
94002

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm

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