Rooted on the River • Proudly Serving the North Country

Tax Season, Simplified

From the banks of the Oswegatchie to job sites across the North Country — we help individuals, families, and contractors file with confidence. Whether you're a W-2 employee, a landlord, or running a construction crew, we've got your back.

Start Your Return For Contractors

What We Do

Services Built Around You

From simple W-2 filings to complex construction bookkeeping, we provide the financial clarity your business and family deserve.

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Individual Tax Returns

1040 preparation for W-2 employees, retirees, freelancers, and families. We maximize deductions and handle multi-state filings.

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Business Tax Returns

Partnership, S-Corp, and C-Corp filings (1065, 1120S, 1120). Strategic tax planning to keep more of what you earn.

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Bookkeeping

Monthly reconciliations, expense tracking, and financial reporting so you always know where your business stands.

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CFO Services

Fractional CFO support including cash flow forecasting, budgeting, and strategic financial planning for growing businesses.

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Payroll Services

Full-service payroll processing, certified payroll for prevailing wage jobs, and quarterly tax filings.

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AP & AR Management

Accounts payable and receivable management to keep your cash flowing and your vendors and clients in order.

Pricing

Transparent, Time-Based Pricing

Our pricing reflects the time and complexity of your return. We provide estimates up front and never surprise you with hidden fees.

Individual Returns

1040 Tax Preparation

Base 1040 + 1 State$150

Schedule C (Self-Employed)+ $100

Schedule E (Rental Properties)+ $100 / property

Amended Return (1040X)$150

Final pricing depends on the complexity of your return. We'll provide a clear estimate before we begin.

Business Returns

Partnership, S-Corp & C-Corp

Partnership (1065)from $500

S Corporation (1120S)from $500

C Corporation (1120)from $500

Business returns are billed based on time and complexity. Starting prices reflect straightforward filings. We'll provide a clear estimate after reviewing your situation — no surprises.

Self-Employment Tax Calculator

Know Your SE Tax & Quarterly Payments

If you're a freelancer, contractor, or sole proprietor, self-employment tax is likely your biggest tax surprise. Enter your numbers to see what you owe — and how much an S-Corp election could save you.

Gross Self-Employment Income (annual, before expenses)

Business Expenses (% of gross income)

$36,000 (30% of gross)

0%25%50%70%

Filing Status

Your Self-Employment Tax

$11,540

in SE tax alone (Social Security + Medicare)

Net SE Income$84,000

Social Security (12.4%)$9,622

Medicare (2.9%)$2,251

Est. Income Tax$10,294

Total Estimated Tax$21,834

Quarterly Payment Due$5,459

Potential S-Corp Savings

$4,414 / year

By electing S-Corp status and paying yourself a reasonable salary, you could avoid SE tax on distributions. We can help you decide if it's right for you.

Let's Talk About Your Tax Strategy

* Estimates based on 2025 tax rates and brackets. Does not include state taxes, credits, or itemized deductions. The S-Corp estimate assumes a 60/40 salary-to-distribution split. For a personalized analysis, schedule a free consultation.

Construction CFO Services

Fractional CFO & Bookkeeping for Contractors

Full-service financial support for construction companies — from job costing and WIP reporting to payroll, forecasting, and strategic tax planning.

✓Monthly bookkeeping and reconciliations

✓Work-in-progress (WIP) reporting and job profitability tracking

✓Certified payroll and prevailing wage support

✓Cash flow forecasting and budgeting

✓Quarterly tax planning and year-end strategy

✓Accounts payable and receivable management

Schedule a CFO Consult

Built for Builders

We Speak Construction

We understand the unique financial challenges contractors face — from job costing to certified payroll to managing cash flow between projects.

Your Back Office, Handled

Whether you're a solo contractor or managing a growing crew, we provide the financial foundation you need to stay profitable and compliant year-round.

Job costing and project profitability analysis

Prevailing wage and certified payroll compliance

Equipment depreciation and Section 179 planning

Subcontractor 1099 tracking and reporting

Quarterly estimated tax planning

of our clients file on time, every time

Talk to a Specialist

Get Started

Book Your Free Consultation

Tell us a little about yourself and we'll reach out to get you started.

Let's Talk

Whether you need a simple 1040 or a full CFO partnership, we're here to help you navigate the numbers with confidence.

✉ mike@oshorelinegroup.com

✆ Ogdensburg, NY — Where the Oswegatchie meets the St. Lawrence

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