FJ & Associates, PLLC

FJ & Associates, PLLC Looking for an accountant or CPA in Kaysville Utah? Come see us at FJ and Associates, PLLC. We offer Big Firm Experience without the Big Firm Price!

A Certified Public Accounting Firm located in Kaysville and Roy, Utah offering services for individuals and businesses including tax preparation, payroll, audits. We are a full service certified public accounting firm specializing in personal taxes, business taxes, business payroll, business accounting, Quickbooks, consulting, audits and more. Our Audit areas of expertise include: Assisted Housing

Audits, HUD Audits, USDA-RD Audits, Public Housing Authority Audits, Government Audits, and Non-Profit Audits. You can learn more about our auditing services by visiting http://www.theAuditExperts.com. At FJ and Associates we realize you work hard for your money; that is why we work hard to help you keep it! Our CPA's have decades of experience and will take the headache out of your bookkeeping, payroll and/or taxes without costing you an arm and a leg! So, if you are looking for accountants in Kaysville Utah who love numbers, but will never treat you like one and who love accounting so you don't have to, call us today and schedule your free consultation.

07/21/2026

When most people hear the word risk, they immediately think:
"How much money could I lose?"
But for many business owners, that's not actually the best question.
A better question is:
"How much volatility can I comfortably handle without changing my long-term plan?"
Think about it.
Many business owners have already experienced slow years, break-even years, lost contracts, or unexpected expenses—and they've worked through them.
That's why understanding your true comfort level with market fluctuations is so important.
Every investment strategy should start with protecting what you've worked hard to build, but it should also reflect your goals, your timeline, and your ability to stay the course when markets fluctuate.
The best investment strategy isn't the most aggressive or the most conservative—it's the one that's appropriate for you.

07/20/2026

Software updates can be frustrating.
If you've ever opened QuickBooks after a major update and thought, "Where did everything go?"—you're not alone.
Even accountants have those moments.
But here's the bigger picture:
I'd rather use software that's constantly improving than software that hasn't changed in years.
Technology should evolve alongside your business.
Will every update be perfect? No.
Will there be a learning curve? Absolutely.
But companies that continue investing in their platform are generally thinking about the future, not just maintaining the status quo.
When you're choosing software for your business, don't just ask what it does today.
Ask whether it's continuing to improve for tomorrow.

07/16/2026

A successful meeting with your CPA shouldn't start with forms or tax returns.
It should start with one simple question:
"What are the top three things you want to walk away with today?"
That's how we approach every client meeting.
Before discussing taxes, bookkeeping, payroll, or financial strategy, we want to understand what's most important to you.
Once we know your priorities, we can start asking better questions and looking at the bigger picture.
Maybe it's payroll.
Maybe it's bookkeeping.
Maybe it's tax planning.
Maybe it's preparing for next year's growth.
The goal isn't to sell another service.
The goal is to build a strategy that helps your business today while preparing for what's next.
The better we understand your business, the better advice we can provide.

07/14/2026

One of the biggest S corporation mistakes we see? Leaving your salary on autopilot.
Maybe your business had two or three great years, so you increased your owner salary. But what if this year looks different?
If revenue has changed and you're still paying yourself the same amount, it may be time to review whether your compensation still makes sense. Year-end is the perfect opportunity to evaluate your salary, document your annual corporate meeting, and plan for the year ahead.
Every business is different, which is why this isn't something to guess at or ignore.
If you own an S corporation, now is a good time to schedule a year-end planning meeting and review your business before the calendar turns over.

07/13/2026

Most business owners don't actually have a tax problem.
They have a planning problem.
We see it every year.
Someone comes in during tax season asking, "What could I have done to lower my taxes?"
The honest answer is often:
"We should have talked before the end of the year."
Tax planning isn't something you squeeze in when you have time. It should be part of your business systems—just like payroll, bookkeeping, or budgeting.
A simple habit can make a big difference:
✔️ Schedule your year-end tax planning meeting in advance.
✔️ Send your financial information before the meeting.
✔️ Come prepared with the questions and goals you want to discuss.
The more your CPA understands what's happening in your business before year-end, the more opportunities you may have to make informed decisions.
Good tax planning starts long before your tax return is prepared.

07/09/2026

When should you stop doing your own taxes?
It's probably not about how much money you make.
It's about how complicated your financial life has become.
If your tax situation is straightforward and you're comfortable using software like TurboTax, it may be a perfectly reasonable option.
But once your situation starts involving things like business income, rental properties, investments, multiple income sources, or more advanced tax questions, it's worth asking whether you're leaving opportunities on the table.
One more thing to remember: not every CPA approaches a return the same way.
When you're interviewing a CPA, don't just ask what they charge.
Ask questions like:
• How thorough is your review process?
• Will you look for planning opportunities?
• Do you explain your recommendations?
The right advisor should do more than prepare a return—they should help you understand it.
If you're wondering whether it's time to move beyond DIY tax software, we'd be happy to have that conversation.

07/07/2026

One of the biggest mistakes we see from solo business owners has nothing to do with taxes themselves.
It's ignoring tax notices.
When you're busy serving customers, running jobs, and trying to grow your business, it's easy to put that letter from the IRS or your state agency on the corner of your desk and tell yourself you'll deal with it later.
The problem is that government notices rarely get better with time.
Interest, penalties, and collection actions can grow while you're focused on running your business.
A simple rule of thumb:
If the organization has the ability to touch your bank account, don't ignore their mail.
You don't have to know every answer immediately—but you should open the notice, understand what it's asking for, and get professional guidance if needed.
Sometimes a quick phone call today can prevent a much bigger headache later.
If you've received a tax notice and aren't sure what it means, we're happy to help you understand your next steps.

07/06/2026

"Bonds are safe" doesn't mean they're risk-free.
One of the biggest misconceptions in investing is that bonds don't carry market risk.
While bonds are generally considered more conservative than stocks, their value can still change when interest rates move. That's because a bond is essentially a loan with a fixed interest payment. When new bonds are issued with higher rates, older bonds paying lower rates often become less valuable.
That doesn't mean bonds are a bad investment—it simply means it's important to understand how they work before assuming they're immune to market changes.
Whether you're planning for retirement or managing business wealth, understanding the risks behind every investment can help you make more informed financial decisions.
Have questions about how financial decisions fit into your overall tax strategy? Our team at FJ & Associates is here to help.

Learn more or schedule a conversation with our team.








07/02/2026

One of the biggest mistakes business owners can make during year-end planning is focusing only on tax savings without considering cash flow.
A purchase may reduce taxable income today…
but if it drains liquidity before a slow quarter, it can create operational stress later.
That’s why year-end decisions should always consider:
• current profitability
• future workload
• available cash reserves
• operational needs
Prepaying expenses and purchasing equipment can absolutely make sense in the right situation — especially for cash-basis taxpayers — but those decisions should support the long-term health of the business, not just reduce taxes temporarily.







06/30/2026

One of the more common misconceptions in business structuring is the idea that every profitable business should immediately elect S Corp status.
In reality, timing matters.
We’ve seen situations where businesses implemented S Corp structures before operations and cash flow were fully stable.
The result?
Additional complexity through:
• payroll requirements
• withholding accounts
• quarterly filings
• ongoing compliance obligations
In some cases, the structure itself becomes an additional burden during a critical growth stage.
S Corps can absolutely be valuable in the right situation — but the best strategy depends on the stage of the business, profitability, and operational readiness.
Good planning is rarely one-size-fits-all.







Address

612 N Kays Drive, Suite 120
Kaysville, UT
84037

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18019393326

Website

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