Custom Financial Solutions, Inc.

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Custom Financial Solutions, Inc. No high-pressure sales sharks. No annoying tax professional lingo. Just straight, authoritative and friendly advice. Our founder Leslie R. Free Consultations!

Visit: www.irstaxrep.com
Or call: (321) 327-2900 Custom Financial Solutions is committed to delivering the highest level of service to our clients. Murphy, has over 40 years of experience in all areas of accounting, finance, and tax resolution. Her advanced training in tax resolution provides the skills necessary to understand a clientโ€™s unique situation, attain their financial goals and reduce their taxes. We are always available to provide the support our clients need and deserve, and make customer care a top priority. We guarantee to provide complete transparency regarding our processes and pricing. You can trust us and feel comfortable knowing we have your best interests at heart. Custom Financial Solutions is ready to help you with your tax resolution needs.

Top financial moves in the last few months of the year...GO
10/14/2026

Top financial moves in the last few months of the year...GO

๐—ช๐—ต๐˜† ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐—บ๐˜† ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ผ๐˜„๐—ฒ ๐˜€๐—ผ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ถ๐—ป ๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐˜๐—ฎ๐˜…๐—ฒ๐˜€?Employment taxes aren't like regular vendor bills. When you run pay...
10/13/2026

๐—ช๐—ต๐˜† ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐—บ๐˜† ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ผ๐˜„๐—ฒ ๐˜€๐—ผ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ถ๐—ป ๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐˜๐—ฎ๐˜…๐—ฒ๐˜€?

Employment taxes aren't like regular vendor bills. When you run payroll, you're holding federal income tax, Social Security, and Medicare in trust for your employees.

Because that money belongs to the government, the IRS moves fast when deposits are late. Penalties add up. Interest piles on. Even worse, business owners can be held personally responsible for unpaid trust fund taxes, putting your personal assets at risk.

Instead of trying to sort through IRS notices alone, let us handle it. We'll pull your official transcripts and pinpoint exactly which quarters were missed. We'll check if you qualify to get penalties waived, then build a clear plan to resolve the debt and protect your business.

๐—–๐—ผ๐—บ๐—บ๐—ฒ๐—ป๐˜ ๐—ฃ๐—”๐—ฌ๐—ฅ๐—ข๐—Ÿ๐—Ÿ if you want us to review your situation privately and help you figure out the next step in handling your payroll tax problem.

10/12/2026

Did you know...
โ€ข The IRS is navigating โ€œsignificant workforce reductionsโ€
โ€ข Only 21% of calls reached an IRS assistor during the 2026 filing season
โ€ข Taxpayers waited an average of 45 minutes just to reach someone on the Installment Agreement/Balance Due line

Before calling the IRS, see if you can find the answer on your IRS Online Account or the "Where's My Refund" tool.

If you do have to call, make sure you have all of the relevant paperwork right in front of you (๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ต๐˜ข๐˜น ๐˜ณ๐˜ฆ๐˜ต๐˜ถ๐˜ณ๐˜ฏ, ๐˜ข๐˜ฏ๐˜บ ๐˜๐˜™๐˜š ๐˜ฏ๐˜ฐ๐˜ต๐˜ช๐˜ค๐˜ฆ๐˜ด ๐˜บ๐˜ฐ๐˜ถ ๐˜ณ๐˜ฆ๐˜ค๐˜ฆ๐˜ช๐˜ท๐˜ฆ๐˜ฅ, ๐˜š๐˜š๐˜•/๐˜๐˜›๐˜๐˜•, ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฅ๐˜ฐ๐˜ค๐˜ถ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ด๐˜ฑ๐˜ฆ๐˜ค๐˜ช๐˜ง๐˜ช๐˜ค ๐˜ต๐˜ฐ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฒ๐˜ถ๐˜ฆ๐˜ด๐˜ต๐˜ช๐˜ฐ๐˜ฏ).

Plan to call later in the week. Wait times are typically shorter Wednesday through Friday now that filing season is over.

Your best option, though, is to ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ถ๐˜ด ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ค๐˜ข๐˜ญ๐˜ญ for you.

We have access to practitioner-only IRS support lines and can often get answers and responses much faster.

๐—œ๐˜€ ๐—ถ๐˜ ๐˜๐—ผ๐—ผ ๐—น๐—ฎ๐˜๐—ฒ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐˜€๐˜๐—ฎ๐˜๐˜‚๐˜€ ๐—ถ๐—ณ ๐—œ ๐—บ๐—ถ๐˜€๐˜€๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐—ฑ๐—ฒ๐—ฎ๐—ฑ๐—น๐—ถ๐—ป๐—ฒ?Not necessarily. If your business qualifies for late-...
10/09/2026

๐—œ๐˜€ ๐—ถ๐˜ ๐˜๐—ผ๐—ผ ๐—น๐—ฎ๐˜๐—ฒ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐˜€๐˜๐—ฎ๐˜๐˜‚๐˜€ ๐—ถ๐—ณ ๐—œ ๐—บ๐—ถ๐˜€๐˜€๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐—ฑ๐—ฒ๐—ฎ๐—ฑ๐—น๐—ถ๐—ป๐—ฒ?

Not necessarily. If your business qualifies for late-election relief, the IRS may recognize your S corp election from the date you originally intended. Generally, you must request relief within three years and 75 days of that date.

I can compare your filings with what the IRS has on record, determine whether late-election relief applies, and handle the request and any return corrections needed.

If you missed the deadline or your S corp return was rejected, send me a message. Letโ€™s find out what happened and get the right filings in place.

10/08/2026

๐—–๐—ฎ๐—ป ๐˜€๐—ผ๐—บ๐—ฒ๐—ผ๐—ป๐—ฒ ๐—น๐—ผ๐—ผ๐—ธ ๐—ฎ๐˜ ๐—บ๐˜† ๐—ณ๐—ถ๐—น๐—ฒ๐—ฑ ๐˜๐—ฎ๐˜… ๐—ฟ๐—ฒ๐˜๐˜‚๐—ฟ๐—ป ๐˜๐—ผ ๐˜€๐—ฒ๐—ฒ ๐—ถ๐—ณ ๐—œ ๐—บ๐—ถ๐˜€๐˜€๐—ฒ๐—ฑ ๐—ฎ๐—ป๐˜† ๐˜„๐—ฟ๐—ถ๐˜๐—ฒ-๐—ผ๐—ณ๐—ณ๐˜€?

Yes, we can review a return youโ€™ve already filed, even if someone else prepared it, to check for deductions or credits you may have missed.

If we find something, we can amend your return to claim what was missed.

It wonโ€™t apply in every situation. But if something looks off on one of your past returns, schedule an appointment and we can review it with you.

๐—ช๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐˜€ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚โ€™๐˜ƒ๐—ฒ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐˜๐—ถ๐—ป๐—ด ๐—ฎ๐˜€ ๐—ฎ๐—ป ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ, ๐—ฏ๐˜‚๐˜ ๐˜๐—ต๐—ฒ ๐—œ๐—ฅ๐—ฆ ๐—ฟ๐—ฒ๐—ท๐—ฒ๐—ฐ๐˜๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—น๐—ฎ๐˜๐—ฒ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฒ๐˜€๐˜?If you started...
10/07/2026

๐—ช๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐˜€ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚โ€™๐˜ƒ๐—ฒ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐˜๐—ถ๐—ป๐—ด ๐—ฎ๐˜€ ๐—ฎ๐—ป ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ, ๐—ฏ๐˜‚๐˜ ๐˜๐—ต๐—ฒ ๐—œ๐—ฅ๐—ฆ ๐—ฟ๐—ฒ๐—ท๐—ฒ๐—ฐ๐˜๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—น๐—ฎ๐˜๐—ฒ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฒ๐˜€๐˜?

If you started running owner W-2 payroll and filing S Corp tax returns before getting official IRS approval, a denial gets you into a compliance mess.

Because the IRS rejected your late election, they put your business back to its original tax classification:
โ€ข Single-member LLCs revert to sole proprietorships (where owner W-2 paychecks aren't allowed).
โ€ข Incorporated entities revert to traditional C corporations.

Now, your accounting, payroll, and personal taxes are completely out of sync with what the IRS has on file.

To fix it, you have to compare the cost of fighting the rejection versus unwinding the mess.

๐—š๐—ผ๐˜ ๐—ฎ ๐—ฑ๐—ฒ๐—ป๐—ถ๐—ฎ๐—น ๐—ป๐—ผ๐˜๐—ถ๐—ฐ๐—ฒ ๐—ณ๐—ฟ๐—ผ๐—บ ๐˜๐—ต๐—ฒ ๐—œ๐—ฅ๐—ฆ? Send it to us with your prior returns. Weโ€™ll calculate whether it makes more financial sense to fight for your S corp status or clean up the fallback classification.

10/05/2026

๐—ช๐—ถ๐—น๐—น ๐—ด๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐—ฎ ๐—น๐—ฎ๐˜๐—ฒ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ฐ๐—ฎ๐—ป๐—ฐ๐—ฒ๐—น ๐—บ๐˜† ๐—œ๐—ฅ๐—ฆ ๐—ฝ๐—ฒ๐—ป๐—ฎ๐—น๐˜๐—ถ๐—ฒ๐˜€?

Getting retroactive S corp status fixes your business tax classification, but it doesn't erase back penalties.

To the IRS, these are two completely separate files:
โ€ข ๐—Ÿ๐—ฎ๐˜๐—ฒ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฎ๐—น fixes ๐˜ธ๐˜ฉ๐˜ฐ you are for tax purposes (granting you retroactive S corp status from the date you intended).
โ€ข ๐—œ๐—ฅ๐—ฆ ๐—ฝ๐—ฒ๐—ป๐—ฎ๐—น๐˜๐—ถ๐—ฒ๐˜€ are triggered by ๐˜ข๐˜ค๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด (filing tax returns late, missing payroll tax deposits, or paying late).

Approving one does not automatically cancel the other.

The good news is, you can still request separate penalty abatement to get those IRS fines taken care of.

Comment ๐—ฃ๐—˜๐—ก๐—”๐—Ÿ๐—ง๐—œ๐—˜๐—ฆ to see if you qualify for penalty relief.

๐—œ๐—ณ ๐˜๐—ต๐—ฒ ๐—œ๐—ฅ๐—ฆ ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐˜€ ๐—บ๐˜† ๐—น๐—ฎ๐˜๐—ฒ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป, ๐˜„๐—ถ๐—น๐—น ๐—บ๐˜† ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฟ๐—ฒ๐—ฐ๐—ผ๐—ด๐—ป๐—ถ๐˜‡๐—ฒ ๐—ถ๐˜ ๐˜๐—ผ๐—ผ? No, federal approval doesn't necessarily me...
10/02/2026

๐—œ๐—ณ ๐˜๐—ต๐—ฒ ๐—œ๐—ฅ๐—ฆ ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐˜€ ๐—บ๐˜† ๐—น๐—ฎ๐˜๐—ฒ ๐—ฆ ๐—ฐ๐—ผ๐—ฟ๐—ฝ ๐—ฒ๐—น๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป, ๐˜„๐—ถ๐—น๐—น ๐—บ๐˜† ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฟ๐—ฒ๐—ฐ๐—ผ๐—ด๐—ป๐—ถ๐˜‡๐—ฒ ๐—ถ๐˜ ๐˜๐—ผ๐—ผ?

No, federal approval doesn't necessarily mean your state will recognize the same S corp treatment.

Thatโ€™s because your federal election and your state tax treatment are separate. Some states follow the federal election automatically, while others require their own election, filing, or payment.

So after your federal election is approved, let us help check your stateโ€™s rules to see whether anything else still needs to be filed or corrected.

10/01/2026

๐—ช๐—ต๐—ฎ๐˜ ๐—ฐ๐—ฎ๐—ป ๐—œ ๐—ฑ๐—ผ ๐˜๐—ผ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—บ๐˜† ๐—ฏ๐˜‚๐—ฑ๐—ด๐—ฒ๐˜ ๐—ณ๐—ฒ๐—ฒ๐—น ๐—น๐—ฒ๐˜€๐˜€ ๐˜๐—ถ๐—ด๐—ต๐˜?

Start with one small move:
โ€ข Cancel a subscription you forgot about.
โ€ข Sell something around the house youโ€™re not using.
โ€ข Pick up a little extra work this month (and set aside part of what you earn for taxes).

If payments toward an IRS tax debt are stretching your budget, message us. We can review your payment options and see whether one fits your situation better.

Address

442 4th Avenue
Indialantic, FL
32903

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

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