RJ Caruso Tax & Accounting

06/05/2026

A new chapter in life can bring new opportunities — and new tax implications.

✔ Started a new job
✔ Launched a side hustle or small business
✔ Got married or divorced
✔ Planning for retirement

Major life events can have a significant impact on your tax situation. The key is understanding those changes before tax season arrives.

Don't wait until next April to discover what you could have done differently. Proactive tax planning can help you avoid surprises, maximize opportunities, and make more informed financial decisions throughout the year.

At RJ Caruso Tax & Accounting, we help individuals and businesses navigate life's changes with confidence and a plan.

Call us today at 315-342-4900 to schedule your tax planning consultation. 😃

06/04/2026

Did You Know?

If you put money into a 529 education savings plan, earnings may be withdrawn federal income tax-free when used for qualified education expenses. Qualified expenses can include tuition, fees, books, supplies, computers, and for students enrolled at least half-time, certain room and board costs.

While 529 contributions are not deductible for federal income tax purposes, many states offer a full or partial state income tax deduction or credit for contributions. Some states and plan sponsors may also offer special incentives around National 529 Day.

Recent law changes expanded the use of 529 plans. In 2026, up to $20,000 per year, per student, may be used for qualified K–12 education expenses at public, private, or religious schools. Prior years were generally limited to $10,000 annually.

========CONTACT========
364 East Ave, Oswego, New York 13126
Phone: (315) 342-4900
Email: [email protected] ️
http://rjcarusotax.com/

05/29/2026

“I didn’t have a payroll provider before working with RJ Caruso. When I started my business in 2019, a friend from my hometown recommended them, and I’ve been grateful for that referral ever since.

Even though we’re states apart, the team at RJ Caruso has made my life so much easier. Not having to worry about payroll or tax issues gives me real peace of mind, and whenever I have questions, they’re always quick to respond and incredibly helpful.

Alison, my payroll specialist, does a fantastic job and is an excellent communicator. She handles all of my spontaneous payroll changes and curveballs with professionalism and patience.

Overall, RJ Caruso provides outstanding service, and we truly appreciate the quality of their work, attention to detail, and support for our business.”

- Tim Jacobs, Co-founder | Owner, Jacobs Aviation

05/27/2026

💡 REAL VALUE 💡

What could smart tax planning actually do for you?

✔️ Adjust withholdings
✔️ Maximize deductions
✔️ Time income strategically
✔️ Plan ahead for major life changes

Effective tax planning isn’t guesswork, it’s strategy. The right approach can help you keep more of what you earn and avoid surprises down the road.

At RJ Caruso Tax & Accounting, we help individuals and businesses make informed financial decisions year-round — not just during tax season.

📞 Call us today at 315-342-4900 to schedule your tax planning!

05/25/2026

05/21/2026

Save More. Stress Less! 😃

Tax planning isn’t just about saving money, it’s about gaining peace of mind and feeling confident about the road ahead.

✅ No more last-minute scrambling
✅ No more unexpected surprises
✅ Just a clear, proactive strategy built around your goals

At RJ Caruso Tax and Accounting, we help individuals and businesses plan smarter so tax season feels a whole lot easier. Let’s take the stress out of your finances and put a plan in place that works for you year-round.

📞 Call us today at 315-342-4900 to schedule your tax planning

05/19/2026

Qualifying Dependents – Did You Know?

In addition to your children and parents, a number of other individuals may qualify as your dependents for tax purposes. Important factors can include the person's income, how much support you provide, and how much of the year the person lives with you. In some limited cases, even a non-relative who lives with you year round as a member of your household may qualify as a dependent.

========CONTACT========

364 East Ave, Oswego, New York 13126
Phone: (315) 342-4900
Email: [email protected] ️
http://rjcarusotax.com/

05/14/2026

Think tax planning is only for the wealthy? Think again. 💡

Tax planning can benefit more people than you might realize — especially if you:

✔️ Own a home
✔️ Have multiple income sources
✔️ Run a small business
✔️ Are planning for retirement

A little planning today can make a big difference tomorrow. The right strategy may help you reduce surprises, maximize opportunities, and feel more confident about your financial future.

📞 Call RJ Caruso Tax & Accounting today at 315-342-4900 to schedule your tax planning appointment and start planning smarter.

05/12/2026

Health Savings Accounts - Did You Know?

Changing jobs? If you have a health savings account (HSA), you can take it with you. Unlike flexible spending accounts (FSAs), which are usually tied to your employer, your HSA belongs to you. You can continue using your HSA funds after leaving the job where you opened the account. However, you may make new HSA contributions only if you remain eligible to contribute. To remain eligible, you generally must be covered by an HSA-eligible high-deductible health plan (HDHP) and have no disqualifying coverage.

========CONTACT========

364 East Ave, Oswego, New York 13126
Phone: (315) 342-4900
Email: [email protected] ️
http://rjcarusotax.com/