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

08/28/2026

Owned a building for 5+ years and never ran a cost segregation study? You've likely been leaving six figures in depreciation on the table.

Here's what most owners don't know: that depreciation isn't gone. There's a mechanism — Form 3115, filed with a Section 481(a) adjustment — that lets you claim years of missed accelerated depreciation in a single tax year, without amending a single prior return.

A cost segregation study breaks your property into components that depreciate over 5, 7, or 15 years instead of the standard 27.5 or 39. Done retroactively, the gap between what you claimed and what you should have claimed comes back to you now, all at once.

Most owners assume it's too late once the year has passed. It isn't.

Curious how much is sitting in yours? Book a consultation with our team —peterholtzcpa.com

The tax code is not the enemy. It is actually full of provisions specifically designed to reduce what a business owner o...
08/27/2026

The tax code is not the enemy. It is actually full of provisions specifically designed to reduce what a business owner owes.

The problem is that deductions do not claim themselves. Depreciation does not optimize itself. Retirement contributions do not calculate themselves. Entity structure does not restructure itself.

Every tool in the tax code requires someone who knows it is there, knows how to use it, and is paying attention to your specific situation throughout the year.

The deductions exist. Do you have someone making sure you are using all of them?

08/26/2026

We Did Not Just Make the Inc. 5000. We Stood Out in It.

Peter Holtz CPA has been recognized on the Inc. 5000.

And we did not just make the list.

#534 in California.
#336 in Financial Services.
#17 in Sacramento.

This recognition is a reflection of the work we put in every single day for the business owners who trust us with their finances. The strategy. The guidance. The year-round commitment to delivering results that actually move the needle.

To our clients — this is because of you. Thank you for trusting us with your business.

We are just getting started.

The decisions that create a painful tax season are made in January. February. March. Every month of the year when nobody...
08/25/2026

The decisions that create a painful tax season are made in January. February. March. Every month of the year when nobody is reviewing the numbers, adjusting the plan, or catching what is going wrong before it compounds.

April just sends the bill for everything that was ignored.

The business owners who walk into tax season without stress did not get lucky. They worked on it all year. They had someone in their corner making sure the outcome was managed long before the deadline arrived.

08/24/2026

Last year, a construction client of ours paid $100,000 in taxes. His bookkeeping was bad, and he didn't actually know his own numbers.

We amended last year's return and got $40,000 of that back. This year, with the right write-offs actually being taken, he won't owe anything at all.

Left uncorrected, this year could have cost him even more than last year did.

This is what happens when business owners don't watch their numbers or understand what the tax code actually allows. It's also why entity structure isn't one-size-fits-all — whether you should be an LLC, an S-corp, a C-corp, or stay a sole proprietorship depends entirely on your specific numbers and what you're doing.

At Peter Holtz CPA, this is the work: knowing your numbers well enough to know exactly what you're entitled to.

Curious what your own numbers actually say? Book a consultation with our team — peterholtzcpa.com

Insurance protects you from what might happen. A tax strategy protects you from what is already happening.Every month wi...
08/23/2026

Insurance protects you from what might happen. A tax strategy protects you from what is already happening.

Every month without a plan is a month of exposure. Wrong entity structure. Underpaid estimates. Missed deductions. Documentation gaps that will matter if the IRS ever comes looking.

These are not hypothetical risks. They are active ones. And unlike most business risks, every single one of them is preventable with the right guidance in place.

08/22/2026

Most business owners never choose their entity type on purpose. They just fall into one.

Forming an LLC and deciding how you're taxed are two completely separate decisions — most owners never realize that. Sole prop, partnership, S-corp, C-corp: the right answer is different for every entity in your portfolio, and it can change as your business changes.

The result: 23 million businesses in this country are structured wrong for taxes, every single year — and they pay extra money for it, year after year.

At Peter Holtz CPA, we don't look at each entity as just a legal wrapper. We look at the P&L, the balance sheet, and how everything you own fits together — one coordinated plan to minimize taxes across the board, not just each piece in isolation.

Not sure your entities are actually structured on purpose? Book a consultation with our team — peterholtzcpa.com

Revenue does not protect you from a tax crisis. Profit does not either.A business can be growing, hitting its numbers, a...
08/21/2026

Revenue does not protect you from a tax crisis. Profit does not either.

A business can be growing, hitting its numbers, and still end up in serious financial trouble because taxes were never treated as a real line item that required real planning.

Cash gets spent. Reserves never get built. Estimated payments get skipped. And then April arrives and the business that looked healthy on paper suddenly cannot cover what it owes.

Profitable is not the same as protected. Not even close.

Contact Peter Holtz CPA before your growth creates a problem your cash flow cannot solve.

08/20/2026

What actually separates business owners who thrive long-term from the ones who constantly struggle?

It's not luck, and it's not working harder. It's the people who dig into the detail — knowing their margins, picking the right markets, understanding exactly where they make money — while still holding the big picture at the same time. Most owners are strong at one of those and weak at the other.

Here's what it looks like once someone's dialed in on both: they start making real money, they start creating assets from that profit, and they reinvest — back into the business, and into the rest of their life. We call that the Business Wealth Cycle: understand the business, minimize taxes all the way through, reinvest in what actually works, then reinvest outside the business too.

If you've hit a point where you're asking "is this even worth it anymore," that's not a sign to quit. It's a sign to step back and actually evaluate the business, not just keep grinding inside it.

At Peter Holtz CPA, this is exactly the kind of evaluation we help clients run — the detail and the big picture, together.

Ready to see where your business actually stands? Book a consultation with our team — peterholtzcpa.com

We Won! Xero Partner Award US 2026 Large Firm of the Year. Peter Holtz CPA has been named the winner of the Xero Partner...
08/20/2026

We Won! Xero Partner Award US 2026 Large Firm of the Year.

Peter Holtz CPA has been named the winner of the Xero Partner Award US 2026 Large Firm of the Year.

This award recognizes firms that have redefined professional services through innovation, strategic vision, and unparalleled client impact. That is exactly what we have built this firm to do and exactly what we will continue to deliver for every business owner we serve.

To our clients — this is for you. Your trust and your results are the reason this recognition exists.

To our team — this is yours. Thank you for the standard you hold every single day.

We are just getting started.

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160 N Grant Avenue
Manteca, CA
95336

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

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