From $249
Individuals & Families
Federal and state returns prepared by a credentialed professional, with a planning conversation built in — equity comp, rental income, life changes and all.
San Diego · CPA & EA led · Since 2009
Plan the tax before the deal.
Precise preparation, year-round planning and calm IRS representation for individuals, small businesses and real-estate investors — so every decision you make already has the tax figured in.
Call (949) 849-9825- 4.9 · 600+ reviews
- CPA & EA led
- IRS e-file provider
Cost segregation$212k depreciation accelerated
Portfolio desk
Ruiz Family Holdings · FY 2026
14Properties
3Entities
2Markets
Projected tax savings
$86,400↑ 12% YoY
Next deadline · Q3 estimate
Sep 15
Cost seg study · 4 buildings
In review
1031 exchange · 45-day ID window
22 days left
Updated 2 min ago
Illustrative data
Q3 estimate filedZero underpayment penalty
Credentialed, connected and built on tools you already use
IRS e-file Provider AICPA NAEA QuickBooks Xero Gusto Drake TaxWho we help
One firm, three kinds of complexity
Whether it's a single W-2 with a side business or a fourteen-door portfolio across two states, you get the same thing: a named advisor, a plan, and no surprises in April.
From $249
From $149/mo
Small Businesses
Clean books every month, payroll that runs itself, and an S-corp or partnership return that reflects the year you actually had — plus quarterly planning check-ins.
From $399/mo
Real Estate Investors
Entity structuring, cost segregation, 1031 exchanges and multi-state filings — modeled before you sign, not reconstructed after you close.
The real-estate framework
Acquire. Operate. Exit.
Every stage of owning property has a tax decision hiding in it. We surface each one early enough to change the outcome.
01 Acquire
Structure the deal before you sign
Choosing the entity, the state and the depreciation approach on day one is worth more than any deduction you find in April.
- LLC, partnership or S-corp modeling
- Purchase-price allocation & cost segregation scoping
- Financing and closing-cost treatment
- Multi-state nexus planning
02 Operate
Run the portfolio with tax in the loop
Monthly books by entity, quarterly estimates that are actually right, and a live view of passive losses and basis.
- Entity-level bookkeeping & rent rolls
- Real-estate professional status tracking
- Repairs vs. improvements decisions
- Quarterly estimate & cash-flow planning
03 Exit
Leave on your terms, not the IRS's
Whether you sell, exchange, refinance or pass the asset on, we model the after-tax number for each path — well before escrow opens.
- 1031 exchange timelines & identification
- Depreciation recapture planning
- Installment sales & opportunity zones
- Step-up and estate coordination
3,200+
Clients served since 2009
$48M+
Documented tax savings for clients
17 yrs
Serving San Diego and beyond
4.9★
Average rating from 600+ reviews
How it works
A calm, four-step engagement
You'll always know what's happening, who's doing it, and what it costs. No mystery inbox, no 11th-hour scramble.
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Discovery call
A 30-minute conversation about where you are and where you're going. We'll tell you plainly whether we're the right fit.
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Plan & proposal
A fixed-fee proposal with a one-page tax plan: the moves that matter this year, ranked by dollars saved.
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Secure onboarding
Upload documents to your encrypted client portal, connect your books, and meet your named advisor.
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File, then keep planning
Returns are reviewed twice and e-filed. Then the real work starts: quarterly check-ins so next year is better than this one.
2×Every return reviewed by two credentialed pros
Why Harbor Tax
Advice first. Paperwork second. Always in that order.
Most firms are built to file. We're built to plan — and the filing is simply the last, well-rehearsed step of a plan you already understand.
A named advisor
One CPA or EA who knows your file, answers your email and picks up the phone.
Fixed, published fees
Quoted up front and printed on our pricing page. No hourly meter, ever.
Year-round, not seasonal
Quarterly planning sessions are included in every package, not sold as an add-on.
Bank-grade security
Encrypted portal, MFA on every account and no documents ever sent by plain email.
Client stories
What it feels like to have the tax figured out
★★★★★
"We were about to buy a fourplex in our own names. One call with Priya and we restructured, ran a cost seg, and saved more in year one than the down payment. That's not tax prep — that's a different business."
★★★★★
"Our books used to be a shoebox and a prayer. Now I get a clean P&L on the 5th of every month and a quarterly call that tells me exactly what to set aside. I finally sleep in March."
★★★★★
"The IRS letter said I owed $31,000. Marcus took over the whole conversation, found the reporting error, and it closed at $1,900. He explained every step in plain English along the way."
Transparent pricing
Fixed fees, published in full
Three packages cover most situations. Every one includes a named advisor, secure portal and quarterly planning check-ins.
Essentials
Individuals & families
Precise, credentialed preparation for W-2 earners, retirees and households with investments or a rental.
from$249/ return
Federal + one state included
- Form 1040 with all common schedules
- Two-reviewer accuracy check
- Secure e-file & document vault
- 30-minute planning debrief
Growth
Small businesses
Monthly bookkeeping, payroll support and your business and personal returns — one predictable fee.
from$149/ month
Billed monthly · cancel any time
- Monthly books, reconciled & reviewed
- S-corp / partnership + personal returns
- Quarterly estimate planning
- Payroll & 1099 coordination
Portfolio
Real-estate investors
Multi-entity, multi-state investor tax with the Acquire / Operate / Exit framework built into every quarter.
from$399/ month
Up to 3 entities · add-ons available
- Entity-level books & returns
- Cost segregation & 1031 planning
- Deal modeling before you sign
- Real-estate tax lead on your file
Need something custom — trusts, estates, multi-state enterprises? Talk to us about an Enterprise engagement.
Latest insights
Plain-English notes from the desk
The five tax decisions to make before December — not after
Retirement contributions, entity elections, harvesting losses and two more moves that only work while the calendar is still open.
What "clean books" actually means (and why your lender cares)
A practical checklist for owners who want month-end to take an hour, not a weekend — and want to be bankable when the moment comes.
Cost segregation, explained with one duplex and a calculator
How a $640k purchase turned into $118k of first-year deductions — and when a study is worth the fee, and when it isn't.
Free 30-minute discovery call
Let's look at next year's return today.
Bring last year's return and whatever's on your mind. You'll leave with two or three specific, dollar-ranked ideas — whether or not you hire us.