Bordones CPA, PLLC

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Bordones CPA, PLLC

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North Port, FL based CPA offering remote accounting services. We specialize in bookkeeping, payroll, taxes, and more.

Get the expert support you need without ever leaving your space. Book your free consultation on our website: bordonescpa.com

10/20/2026

When you pay a contractor, where does their information live? In your accounting software, an old email, or a folder somewhere?

1099 forms for 2026 payments are due February 1, 2027. The forms themselves are quick. What takes time is finding the information behind them. A few minutes on your vendor list this fall can save a lot of searching in January.

A simple 4-step checklist:

1. One record per contractor. Their legal name, address and tax ID, taken from the Form W-9 they gave you.

2. Every payment tagged. Each payment linked to the right vendor, not lumped into "miscellaneous" or "contract labor."

3. How they were paid. Checks and bank transfers are treated differently from card and payment-app payments, which are generally reported on a different form (1099-K) by the payment company.

4. A year-to-date report by vendor. Totals for each contractor, so anyone at $2,000 or more for 2026 stands out.

Which step would take you the longest right now?

Tiffany, our Senior Accountant, is a Certified QuickBooks ProAdvisor. Book a free consultation at bordonescpa.com and choose "Bookkeeping."

This post is for general information only and is not tax or legal advice for your situation.

10/19/2026

Do you pay freelancers or independent contractors? The 1099 rules changed for 2026.

Here's the short version.

What changed: For payments made in 2026, you generally file Form 1099-NEC for a non-employee once you've paid them $2,000 or more for services during the year. For 2025 payments, the limit was $600. Starting in 2027, the $2,000 amount can be adjusted for inflation.

What didn't change: The form still goes to both the IRS and the contractor. Because January 31, 2027 is a Sunday, the due date for 2026 payments is Monday, February 1, 2027. And payments you make by credit card, debit card or through a payment network are generally reported by the payment company on Form 1099-K, not by you.

What to do now:
1. Ask each contractor for a Form W-9 (name, address and tax ID).
2. Total what you've paid each one so far in 2026.
3. Set card and payment-app payments aside.
4. Flag anyone likely to reach $2,000 by December 31.

Some other payments, like royalties, still have different limits, so it's worth checking your whole list.

Do you collect W-9s before the first payment, or at the end of the year?

Book a free consultation at bordonescpa.com and choose "Taxes."

This post is for general information only and is not tax or legal advice for your situation.

10/16/2026

¿Recibió una carta del IRS? Primero, respire. Vamos paso a paso.

1. Léala con calma. Busque el número del aviso, que empieza con CP o LTR, en la parte superior derecha. Guarde la carta con sus documentos.
2. Confirme que es real. El IRS normalmente hace el primer contacto por correo postal. Puede buscar el número del aviso en IRS.gov o revisar su cuenta en línea del IRS. No haga clic en enlaces de mensajes inesperados.
3. Responda a tiempo. Si la carta pide una respuesta, actúe antes de la fecha indicada. Si no está de acuerdo, siga las instrucciones de la carta y guarde copias de todo lo que envíe.

¿Alguna vez recibió una carta del IRS que no entendía?

Agende su consulta gratis en bordonescpa.com y elija "IRS notice." Hablamos español.

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Got a letter from the IRS? Take a breath. 1) Read it calmly and find the notice number (CP or LTR) at the top right. 2) Confirm it's real: the IRS normally makes first contact by mail, and you can look up the notice on IRS.gov. 3) Respond by the date on the letter. If you disagree, follow its instructions and keep copies.

Book a free consultation at bordonescpa.com and choose "IRS notice."

Esta publicación es solo información general y no es asesoría fiscal ni legal para su situación. This post is for general information only and is not tax or legal advice for your situation.

10/15/2026

Myth: "If I form an LLC, I'll automatically pay less tax."

This is one of the most common things we hear from new business owners, so let's clear it up.

An LLC is a business structure created under state law. For federal income tax, the IRS treats it like this by default:
• One owner: taxed like a sole proprietorship (the income goes on your personal return)
• Two or more owners: taxed like a partnership

So on its own, forming an LLC usually doesn't change how much income tax you owe. A different tax treatment comes from an election, for example choosing to be taxed as a corporation (Form 8832) or an S corporation (Form 2553). Whether an election makes sense depends on your income, your plans and your situation.

There can be good reasons to form an LLC. Just make the decision with the full picture.

Did you form an LLC expecting a tax break? Tell us in the comments.

Starting or restructuring a business? Call us at 941-949-5827.

P.S. Today, Oct 15, is the deadline for extended 2025 individual returns.

This post is for general information only and is not tax or legal advice for your situation.

10/14/2026

October is Cybersecurity Awareness Month, and tax scams are one of the most common ways people get targeted. Knowing how the IRS really contacts you makes fakes much easier to spot.

According to IRS.gov:
• Mail: the IRS normally makes first contact by U.S. postal mail.
• Emails and texts: the IRS uses these only if you've opted in.
• Social media: a direct message is never from the IRS.
• Phone: the IRS may call about account matters, but scammers often push you to pay immediately or threaten arrest. Those are red flags.

If you get a letter and aren't sure it's real, look up the notice number (it starts with CP or LTR) on IRS.gov, or check your IRS online account. Please don't click links in unexpected messages.

Have you ever gotten a "tax" text or call that turned out to be fake?

Got an IRS letter and want help understanding it? Book a free consultation at bordonescpa.com and choose "IRS notice."

This post is for general information only and is not tax or legal advice for your situation.

10/13/2026

Do you see your business numbers every month, or once a year when it's time to file?

Here's what changes when bookkeeping happens monthly:

Once a year, you usually find out how the year went in March. Any mistakes are months old by then, and it's too late for year-end planning. If a lender asks for financial statements, it's a scramble.

Every month, you see profit and cash flow as you go. Mistakes get caught while they're fresh and easy to fix. You have time to plan before December 31. And when a lender or partner asks for numbers, they're ready.

Monthly books also make tax season calmer, because most of the work is already done.

Which way do you handle your books right now? Either answer is fine. We just like to know where people are starting.

Tiffany, our Senior Accountant, is a Certified QuickBooks ProAdvisor. Book a free consultation at bordonescpa.com and choose "Bookkeeping."

10/12/2026

December 31 is about 11 weeks away. Once the year ends, most tax moves for 2026 are locked in. That's why we like to plan in the fall.

Three questions worth asking now:

1. Should any income or expenses shift years? If your business uses cash-basis accounting (most small businesses do), the date you get paid or pay a bill usually decides which tax year it counts in. A December purchase and a January purchase can land in different years.

2. Are you using your retirement options? 401(k) contributions come out of your paychecks, so your last 2026 paycheck is generally your last chance. IRA contributions for 2026 can generally be made until the April 2027 filing deadline. The 2026 limits are $24,500 for 401(k) employee contributions and $7,500 for IRAs, with more allowed if you're 50 or older.

3. Is your last estimated payment on track? If you're self-employed or have income with no withholding, the 4th-quarter 2026 payment is due January 15, 2027. Comparing what you've earned with what you've paid in can help you plan that payment.

Which of these three do you usually leave for last?

The right moves depend on your situation. Book a free consultation at bordonescpa.com and choose "Tax planning."

This post is for general information only and is not tax or legal advice for your situation.

10/09/2026

We'd like you to meet the two people behind Bordones CPA, PLLC.

Tiffany Bordones is our Senior Accountant and a Certified QuickBooks ProAdvisor. She loves a good book and a long run.

Luis Bordones is a licensed CPA with a master's degree in information systems and analytics. When he's not working, he's training for CrossFit.

We're a husband-and-wife team, and we built a fully remote firm from North Port, Florida, so we can work with individuals and small businesses anywhere in the U.S. When you work with us, you talk to us directly.

What's one thing you'd want from your accountant this year?

Book a free consultation at bordonescpa.com.

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Conozca a Tiffany y Luis, un matrimonio al frente de Bordones CPA, PLLC. Somos una firma de contabilidad 100 % remota en North Port, Florida, y atendemos a personas y pequeños negocios en todo Estados Unidos. Cuando trabaja con nosotros, habla directamente con nosotros. Hablamos español.

Agende su consulta gratis en bordonescpa.com.

10/08/2026

Myth: "If I can't pay my taxes, I shouldn't file."

We understand the instinct. But skipping the return usually makes things harder, not easier.

Here's why. According to the IRS, the failure-to-file penalty is generally 5% of the unpaid tax for each month or part of a month the return is late, up to 25%. The failure-to-pay penalty is 0.5% a month. When both apply in the same month, the IRS reduces the filing penalty by the payment penalty, but the gap is still large.

What usually helps, depending on your situation:
• File by the deadline, even if you can't pay it all
• Pay what you can now
• Ask about an IRS payment plan for the rest

Have you ever heard this myth before?

Owe and not sure where to start? Book a free consultation at bordonescpa.com and choose "Taxes."

This post is for general information only and is not tax or legal advice for your situation.

10/07/2026

Deadline alert! Thursday, October 15 is the deadline for 2025 individual returns that were extended in April.

A common mix-up: an extension gives you more time to file, not more time to pay. Any tax owed was due in April. If you still owe, interest and late-payment penalties may be growing. The IRS says paying as much as you can now may reduce them, and it offers payment plans if you can't pay in full.

Also, if you live in an area affected by a disaster, the IRS may have postponed your deadline. You can check the disaster relief page on IRS.gov.

Are you a first-time extension filer, or an every-year regular?

Need help finishing before the 15th? Call us at 941-949-5827.

This post is for general information only and is not tax or legal advice for your situation.

Address

North Port, FL
34286

Telephone

+17708938533

Website

http://BordonesCPA.com/

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