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Stern & Associates

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San Francisco, CA
Stern & Associates

Stern & Associates is licensed in all states, specializing in Tax Preparation & Accounting. We are professional, experienced, and affordable.

We offer a broad range of services for business owners, executives, and independent professionals. Michael Fullam and Carol Dana-Fullam have prepared tax returns for individuals and businesses for 30+ years. The main office is located in Walnut Creek, CA. In 2019, they acquired Stern & Associates in San Francisco. In 2021, They merged with Stanaland & Associates in San Francisco. The combined company is now known as Stern & Associates.

03/02/2026

Many of the major tax provisions signed into law in 2025 start taking effect in 2026. How has the tax landscape changed for you or your business since last year? Contact us at (415) 423-3987 and we’ll give you the lay of the land, including how you can potentially claim tax credits and deductions.

02/27/2026

The IRS has published new FAQs on Executive Order 14247, which calls for eliminating paper checks to and from the IRS. This change is to reduce fraud, enhance security, lower costs and speed up processing. The IRS is encouraging taxpayers to provide banking information on their 2025 tax returns so it can issue refunds via direct deposit. For taxpayers without a bank account, options such as prepaid debit cards, digital wallets or limited exceptions to the “no paper checks” rule are available. If you owe tax, electronic payment methods are preferred, but the IRS will continue to accept mailed paper checks and money orders for now. Contact us at (415) 423-3987 if you have any questions or concerns.

02/25/2026

Writing a comprehensive business plan is an absolute imperative when launching a business. But it’s also important for running one. Why? Because your business plan can help you see into the future. As long as it’s properly structured, adheres to sound strategies and contains accurate data, a business plan should spell out in black and white what your company will accomplish and how it will get there. Contact us at (415) 423-3987 for help determining whether your business plan is still the crystal ball it needs to be.

02/23/2026

Grantor-retained annuity trusts (GRATs) and grantor-retained unitrusts (GRUTs) allow you to give assets to your children today while you receive payments back from the trust for a specified term. And, provided you survive the trust’s term, you’ll remove the assets from your taxable estate at a reduced value for gift tax purposes. At the end of the term, the principal may pass to the beneficiaries or remain in the trust. Contact us at (415) 423-3987 for additional details.

02/20/2026

Your marital status affects many federal tax filing variables, including your standard deduction, credit eligibility and tax owed. If you’re currently “informally” separated from your spouse but still legally married, the IRS generally considers you married for the entire year (even if you’ve lived apart for many months). Unless you divorced or legally separated by Dec. 31, 2025, you must file as married filing jointly or married filing separately for the 2025 tax year. If, on the other hand, you finalized a divorce or legal separation in 2025, you should file as single or, if eligible, head of household. Call us at (415) 423-3987 if you have questions about filing your tax return.

02/18/2026

Good news for small business owners! The 20% qualified business income (QBI) deduction for pass-through business owners is now permanent. (It had been scheduled to expire after 2025.) This break reduces taxable income for eligible sole proprietors, partners, S corp owners and, generally, LLC members. Beginning in 2026, expanded income ranges over which certain limits phase in may allow more taxpayers to qualify for the QBI deduction, and some may enjoy larger deductions. Contact us at (415) 423-3987 to learn how you can benefit.

02/16/2026

To make confident business decisions, you need a clear view of your cash position. The statement of cash flows reveals how money moves in and out of your business. It’s usually organized into three sections: 1) Cash flows from operations reflect day-to-day activity. 2) Cash flows from financing activities show how you use debt and equity to fund growth. 3) Cash flows from investing activities capture how you’re building for the future. Together, they tell the real story behind your numbers. We can help you interpret trends, spot risks and manage cash flow to strengthen your business strategy. Call us at (415) 423-3987 to learn more.

02/13/2026

The IRS and the Security Summit are warning taxpayers that during tax filing season identity thieves are poised to scam people into sharing personal information to file false tax returns and steal refunds. Specific threats include phishing emails and smishing texts, where the thief impersonates a legitimate organization in the tax community, such as the IRS, a state agency or a tax software company, to try to convince the target to provide personal information, click on harmful links or send money. Having an Identity Protection (IP) PIN can protect taxpayers from tax-related identity theft. Anyone with an SSN or an ITIN can get an IP PIN. For more information, contact us at (415) 423-3987.

02/11/2026

For small business owners, investing in new equipment, expanding facilities or launching a new product can be a big decision. With limited funds, it’s essential to pinpoint the opportunities that deliver the most value. Financial models like accounting payback, net present value and internal rate of return offer a disciplined, data-driven approach to evaluating your options. We can help you apply these models to make confident, informed capital-budgeting decisions that fuel long-term success. Call us at (415) 423-3987 to get started.

02/09/2026

The IRS considers a paper return that’s due April 15 to be timely filed if it’s postmarked by midnight. Sounds straightforward, but let’s say you mail your return with a payment on April 15, and the envelope gets lost. You don’t figure this out and refile until a couple of months later. Despite your efforts to timely file and pay, you can still be hit with both failure-to-file and failure-to-pay penalties. One way to minimize this risk is to use certified or registered mail or an IRS-approved private delivery service. A better way is to work with a tax professional who’ll e-file your return and help ensure you claim every break you’re entitled to while staying compliant with tax law. Contact us at (415) 423-3987 to start your 2025 return.

02/06/2026

When natural disasters strike, tax deadlines shouldn’t add to your stress. Generally, taxpayers have had three years from the April filing deadline for the tax year to claim a credit or refund for overpaid taxes. But when the IRS extended filing deadlines for disasters such as wildfires, floods or hurricanes, the three-year period didn’t always adjust accordingly. The Disaster Related Extension of Deadlines Act, signed into law on Dec. 26, 2025, addresses this issue. Now, when the IRS extends filing deadlines due to federally declared disasters, the period to claim refunds and credits is also extended. The new law also aligns payment deadlines with filing relief. Call us (415) 423-3987 at with questions.

02/04/2026

Your financials reveal where your business has been … and where it can go next. We can read the numbers and translate them into clear insights, helping you solve challenges, identify opportunities and plot out happy endings to your strategic objectives. Call us today at (415) 423-3987 to schedule a consultation.

Address

2145 19th Avenue Ste 201
San Francisco, CA
94116

Opening Hours

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

Website

https://www.sterntax.com/

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