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.

05/28/2026

It’s very easy for business owners to mix personal and business expenses — especially in the early stages.
Using a personal card for a business purchase or a business card for something personal can feel convenient in the moment.
But over time, this creates blurred lines.
When records aren’t clearly separated, it becomes harder to support what is truly business-related.
In more serious situations, this can lead to disallowed expenses, penalties, and increased scrutiny.
If these situations do happen, proper documentation is critical.
Maintaining clear financial boundaries helps protect both the business and the owner.







05/27/2026

One of the most common mistakes business owners make is letting notices sit too long.
It’s easy to put them aside, especially when you’re busy running the business.
But these issues don’t resolve on their own.
Over time, they can accumulate penalties, interest, and additional complications.
In more serious cases, they can escalate into enforcement actions that impact your accounts directly.
Most situations are manageable when addressed early.
Taking the time to review the notice and involving a professional when needed can make a significant difference.







05/26/2026

When people hear “low risk,” they often assume low return.
But that’s not always the case.
Some strategies are built around stable, predictable investments — designed to reduce downside exposure while still participating in market growth.
By focusing on consistency and structure, it’s possible to create a balance between protection and performance.
In certain cases, these strategies can also include ways to enhance returns while maintaining that protection.
The key is understanding how the structure works — not just the label attached to it.







05/21/2026

Some of the biggest tax issues don’t start big — they start small.
A common pattern we see is business owners becoming comfortable running personal-type expenses through the business.
Early on, it might seem minor or justified.
But as the business grows, those same habits often continue — just at a larger scale.
What started as small decisions can evolve into significant exposure over time.
Maintaining clear boundaries between personal and business expenses becomes increasingly important as success grows.
Small habits have a way of compounding — for better or for worse.







05/19/2026

One of the most common questions from service-based business owners is:
“What can I actually expense?”
A helpful way to think about it is this:
If the item is necessary to perform your service or operate your business, it likely qualifies as an expense.
This can include tools, equipment, vehicles, software, and even devices used to manage operations.
These costs are part of running the business and should be tracked consistently.
Properly recording expenses not only keeps things organized, but also plays an important role in managing tax obligations.







05/18/2026

Many business owners describe themselves as moderate-risk investors.
But when you look at their actual experience, the story is different.
They’ve navigated significant challenges —
revenue drops, lost contracts, operational setbacks — and continued to grow.
Those types of fluctuations often exceed what they would experience in traditional markets.
This creates a gap between perceived risk tolerance and actual capability.
When that gap is addressed, investment strategies can be better aligned with reality.
And in many cases, that opens the door to stronger long-term outcomes.







05/14/2026

One of the biggest surprises for new business owners is how taxes actually work.
When you’re no longer a W-2 employee, nothing is automatically withheld.
That responsibility shifts entirely to you.
In the early stages, this often gets overlooked.
As income grows, so does the tax liability — but without a system in place, many don’t set funds aside consistently.
The result is a much larger tax bill than expected.
In some cases, it can feel worse than being an employee.
Understanding this shift early and planning throughout the year can help avoid unnecessary financial pressure.







05/12/2026

One of the most common misunderstandings happens when someone transitions from W-2 to 1099 income.
At first glance, the income may appear higher.
But there’s an important difference.
As a W-2 employee, a portion of taxes is handled by the employer.
As a 1099 earner, that responsibility shifts entirely to you.
You’re now covering both sides of the tax obligation.
Without proper planning, this can lead to surprises at tax time.
Setting aside funds consistently throughout the year helps avoid that situation.







05/11/2026

A common frustration in investing comes from mismatched expectations.
In strong markets, investors often compare their portfolio performance to the broader market.
If the market is up significantly, but their portfolio is more conservative, the difference can feel disappointing.
In weaker markets, the same portfolio may decline less — which is the intended design.
But at that point, comparisons often shift to lower-risk options, creating a different kind of frustration.
This dynamic can lead to a “lose-lose” feeling, even when the strategy is functioning as intended.
The key is aligning the investment approach with both risk tolerance and realistic expectations.







05/07/2026

One of the most expensive mistakes business owners make is skipping advice to save a small fee.
We’ve seen situations where someone was considering a vehicle purchase for tax purposes.
They didn’t confirm the details ahead of time and relied on general information.
The result?
The vehicle didn’t qualify for the expected tax treatment, and they missed out on a significant deduction.
They still had the expense — just without the benefit they were planning for.
A short conversation with an advisor beforehand could have changed that outcome.
Sometimes a small upfront investment in guidance can prevent much larger costs later.







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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