Peter Holtz CPA

Peter Holtz CPA At Peter Holtz CPA, we are made for you. We are built to provide customized financial solutions for you and your businesses. No annoying tax professional lingo.

Just expert advice for the small business owner. Visit us: www.peterholtzcpa.com Call us: (209) 941-0189

Equity compensation is a powerful tool for attracting and retaining talent. It is also one of the most tax-complex decis...
07/15/2026

Equity compensation is a powerful tool for attracting and retaining talent. It is also one of the most tax-complex decisions a business owner can make.

Stock options, equity grants, and profit interest all come with different tax treatment — for the business and for the employee receiving them. The timing of when the equity is granted, when it vests, and when it is exercised all affect what is owed and when.

Getting this right from the start protects both the business and the employee.

07/14/2026

Most S Corp owners pick a salary number and hope for the best. That is not a strategy. The IRS requires a reasonable compensation study based on your industry, your revenue, and your profitability. Get it wrong and you could trigger double Social Security tax penalties. Get it right and you protect everything you have built. This is not optional. It is essential.

Contributions made through a qualified profit-sharing plan are generally tax-deductible for the business. They also crea...
07/14/2026

Contributions made through a qualified profit-sharing plan are generally tax-deductible for the business. They also create a meaningful benefit that helps attract and retain employees without increasing base payroll costs. And for the business owner, the structure can include provisions that benefit their own retirement savings as well.

It is one of the more underutilized strategies available to growing businesses.

Business credit is not just about getting approved for a loan. It affects the terms you receive, the vendors willing to ...
07/12/2026

Business credit is not just about getting approved for a loan. It affects the terms you receive, the vendors willing to work with you, the financing options available when you need to grow, and the overall financial credibility of your business.

A strong business credit profile — built intentionally over time — gives your company access to capital on better terms and positions it as a serious, stable operation. A weak one quietly limits your options before you even realize it.

Building business credit is a strategic decision, not an afterthought.

07/12/2026

Too many accountants act like box fillers. They get you to the goal line and then back up 20 yards just to feel safe, leaving deductions on the table out of fear the IRS might ask questions. That is not strategy, that is playing not to lose. The IRS audits the same way they have for 100 years. Show the numbers, show the documentation. If your advisor is not maximizing what you are legally allowed to take, you are paying the price for their comfort.

When a business owner loans money to their own company, it needs to be structured correctly — or the IRS may reclassify ...
07/10/2026

When a business owner loans money to their own company, it needs to be structured correctly — or the IRS may reclassify it as something else entirely.

A legitimate owner loan requires documentation: a written agreement, a reasonable interest rate, and a repayment schedule that is actually followed. Without those elements, what looks like a loan can be treated as a capital contribution or taxable income — neither of which is what the owner intended.

The structure matters as much as the transaction itself.

Contact Peter Holtz CPA before moving personal funds into your business.

07/10/2026

A defined benefit plan works differently than a 401k. Instead of a fixed contribution limit, the amount you can set aside is based on your age and your income level. The older you are and the more you earn, the larger the deduction. For business owners who are serious about building retirement wealth and reducing their tax bill at the same time, this is a conversation worth having. Most have never even heard of it.

Relocating a business — or simply working remotely across state lines — is not just a logistics decision. It is a tax de...
07/09/2026

Relocating a business — or simply working remotely across state lines — is not just a logistics decision. It is a tax decision.

Different states have different income tax rates, business tax structures, and rules around where a business is considered to be legally operating. Nexus — the connection between your business and a state that triggers a tax obligation — can be established in ways business owners do not always anticipate.

Before you move, expand into a new state, or allow remote employees to work from elsewhere, understand the tax implications first.

07/08/2026

The real estate industry does not brag about this enough. Real estate professional status flips your rental losses from passive to active. That means those losses can offset your W-2 or business income directly. Dollar for dollar. If you own real estate and you qualify, this single designation could change your entire tax picture. Most people never even know to ask about it.

The sale of a business can trigger capital gains taxes, depreciation recapture, and ordinary income, depending on how th...
07/07/2026

The sale of a business can trigger capital gains taxes, depreciation recapture, and ordinary income, depending on how the deal is structured. Whether the transaction is an asset sale or a stock sale matters. Whether payments are spread over time or received upfront matters. And the decisions made in the months leading up to a sale can significantly affect what the owner actually walks away with.

An exit is a financial event. It deserves the same level of planning as everything that came before it.

Contact Peter Holtz CPA well before you begin any exit conversation.

Address

160 N Grant Avenue
Manteca, CA
95336

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Peter Holtz CPA posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Peter Holtz CPA:

Shortcuts

Share

Category