Tax Services
HNW Individual Tax Returns
Complex returns handled with precision. We prepare personal tax returns for high-net-worth individuals who need more than a software solution.
Personal Tax Expertise for Complex Financial Lives
High-net-worth individuals face personal tax returns that bear little resemblance to a standard Form 1040. Between investment income, pass-through activity from business interests, capital gains and losses from complex portfolios, alternative minimum tax exposure, multi-state filing obligations, and potential international considerations, each return requires genuine expertise — not a software shortcut.
C&M LLP prepares personal returns for individuals whose financial situations demand a real CPA's attention. We review every relevant schedule, apply the appropriate elections and positions, and look proactively for opportunities that are often missed — Qualified Opportunity Zone investments, Qualified Small Business Stock, tax-loss harvesting, and coordinated timing across business and personal filings.
We also understand that your personal return does not exist in isolation. We coordinate with your business returns, your wealth manager, and your estate plan to ensure every element is consistent and nothing falls through the cracks between advisors.
What You Receive
Complete 1040 Package
A fully prepared federal individual return with all applicable schedules — A through K — accurately reflecting your income, deductions, credits, and elections. Delivered with a plain-language summary of your return's key drivers.
State Filing Coordination
Filing of all applicable state individual returns, with proper allocation of income and deductions across jurisdictions. We handle multi-state situations, credits for taxes paid to other states, and nonresident filings.
Planning & Coordination Memo
A written summary of tax planning observations from your return preparation — items to coordinate with your business interests, timing opportunities, and any elections or positions to reconsider before next year.
Who Benefits from HNW Individual Tax Services?
Our individual tax clients are typically business owners and executives whose personal returns are inseparable from their business interests, investors with complex portfolios of public securities, private equity, real estate, and alternatives, individuals with significant K-1 income, and anyone whose tax situation has reached a level of complexity that demands expert CPA attention rather than a DIY approach. If your prior-year return had more than three schedules or involved pass-through income, you belong in this service category.
Typical Clients
- Business owners and executives
- Real estate investors and operators
- Private equity and hedge fund investors
- Individuals with significant K-1 income