Individual Tax Services | Steven Brewer & Company, CPA's

List of Services

INDIVIDUAL PACKAGE 1

Description of Service
This package is the base package which is more than just a tax return preparation. It includes an annual meeting to discuss potential tax savings once the client provides current year data.
Services Provided
* Individual Tax Return Prep
* Individual Tax Planning
* Estimate Reminder Service

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INDIVIDUAL PACKAGE 2
Description of Service
This package takes Package 1 and adds on a service which bases your tax estimates on more current data. For the last three estimates of the year, client provides current data on income and deductions. Estimates are based on this data.
Services Provided
* Individual Tax Return Prep
* Individual Tax Planning
* Individual Tax Estimates

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INDIVIDUAL PACKAGE 3
Description of Service
This package takes Package 2 and adds on audit protection. Audit protection service allows you to prepay for any potential notices or auditsw which may arise in the future for this tax year.
Services Provided
* Individual Tax Return Prep
* Individual Tax Planning
* Individual Tax Estimates
* Audit Protection

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ALA CARTE MENU
* Individual Tax Return Prep
* Individual Tax Planning
* Individual Tax Estimates
* Arrange for Payments of
Estimates
* Estimate Reminder Service

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Want more information?

(812)-883-6938

906 W. Mulberry St

P.O. Box 225

Salem, Indiana 47167

Latest news

Blog post graphic: Title

Inflation Into Opportunity: How Smart Businesses Turn Rising Costs Into Margin Gains

January 24, 2026

Inflation isn’t gone—it’s just quieter. Around 3% feels tame compared to the chaos of the past few years, but that doesn’t mean it’s harmless. For most business owners, small shifts in pricing, payroll, and supply costs have become the new normal—slow, steady pressure that eats into margins one percentage point at a time. But here’s the thing: inflation doesn’t just erode profit. It also creates permission. Permission to reprice. Permission to renegotiate. Permission to rethink how your business makes money. And as we head into year-end—when every business is reviewing budgets, forecasts, and compensation plans—now’s the perfect time to turn inflation from a problem into a strategic opportunity. The Inflation Mindset Shift: From Defense to Offense Most owners treat inflation like a storm to wait out. They hunker down, cut costs, and hope the economy stabilizes. But smart firms? They play offense. Inflation gives you the perfect narrative to reset pricing, refine operations, and re-anchor value with your clients or customers. Think about it: when everything costs more—from raw materials to insurance—people expect prices to adjust. That makes this moment the cleanest window you’ll get to implement changes that were overdue anyway. Step 1: Reprice With Confidence, Not Apology The biggest mistake small businesses make is treating price increases like confessions. “Sorry, but our costs went up.” Instead, reframe it as value alignment: “We’ve upgraded our processes, improved delivery, and invested in technology to serve you better.” Even if your costs are rising, your value probably has too. If your last price review was more than 18 months ago, you’re already behind. Inflation gives you cover to fix that. Step 2: Audit Margins and Cash Flow Before You Budget Before you finalize 2026 budgets, run a true margin audit. Which services or products are still profitable at today’s costs?  Which are borderline or underwater?  Which clients consistently underpay for the value delivered? Then connect that data to your cash flow forecast. A business that plans around real margins—versus assumptions—has control. If you haven’t reviewed vendor contracts lately, this is also your chance to lock in rates before potential tariff shifts or supply cost changes next year. Step 3: Forecast Smarter, Not Just Harder Forecasting isn’t about predicting inflation—it’s about being ready for it. Smart firms use 3-scenario forecasting: Best case: Inflation drops further, demand grows.  Base case: 3% inflation continues, steady but modest growth.  Stretch case: Tariffs increase, costs rise, and cash flow tightens. By modeling each, you build agility—not anxiety—into your business plan. Step 4: Align Compensation and Value Creation Inflation doesn’t just affect costs—it affects expectations. Employees feel it too. As you plan 2026 compensation, think about rewarding value creation instead of just cost-of-living bumps. For example: Introduce profit-sharing to align team success with performance.  Offer flexible benefits like health stipends or hybrid schedules—high perceived value, lower cost.  Communicate transparently about financial goals. Most teams handle reality better than silence. Step 5: Protect Profitability Before It’s a Problem When inflation was at 8%, you could blame it for shrinking profits. At 3%, it’s just math. That means you can’t afford to ignore the incremental hits—subscription creep, silent vendor increases, underpriced legacy clients. The businesses that thrive in 2026 will be the ones that use this “quiet inflation” window to: Trim inefficiencies before they compound.  Rebuild reserves.  Reinvest in tools that save time or improve margins (think automation, AI, or better client systems). The Big Idea: Inflation as a Reset Button You can’t control the economy—but you can control how your business responds to it. Inflation isn’t a crisis anymore. It’s your chance to reset the rules—on pricing, partnerships, and profitability. When you treat inflation as an opportunity, not a threat, you stop playing defense and start leading from strength. Ready to Plan Your 2026 Strategy? Now’s the time to review pricing, forecasting, and compensation plans before the new year begins. If you want to make 2026 your margin expansion year—not another squeeze—contact our firm. We’ll help you analyze your numbers, refine your strategy, and move into the new year with confidence and control.

Blog post titled

Why Cash Flow Planning Get Harder as You Grow

January 8, 2026

Growth Feels Great—Until It Doesn’t At first, running your business feels simple: money comes in, bills go out, and if there’s something left over, you’re doing fine. Then growth happens.  More clients. Bigger projects. Higher payroll. Maybe even a second location. Suddenly, cash doesn’t flow the way it used to. You’re booking record sales, but your bank balance looks… thin. You’re working harder than ever, yet the pressure to make next week’s payments feels heavier. Welcome to the paradox of growth: the bigger your business gets, the tighter cash flow can feel. Why Growing Businesses Feel Cash-Poor It’s not bad management—it’s math. As revenue grows, so do: Accounts receivable: Clients take longer to pay larger invoices.  Inventory or project costs: You spend cash weeks (or months) before you earn it back.  Payroll: Growth usually means more people—and payroll hits like clockwork, even when customer payments don’t.  Taxes: Higher profits mean higher estimated payments that pull cash out of your account quarterly.  Growth stretches the timing gap between money going out and money coming in. Without a system to monitor and forecast it, you’re flying blind. The Shift: From Bookkeeping to Cash Flow Strategy Most small businesses start with simple bookkeeping: track what you earned, record what you spent, file the taxes. But once you grow, you need something more— cash flow management that looks ahead, not just backward. That’s where financial professionals make all the difference.  They can help you: Forecast inflows and outflows weeks or months in advance.  Spot cash gaps early—and plan around them.  Build reserves for seasonality or growth spurts.  Model “what-if” scenarios (new hires, equipment purchases, expansions) before you commit. In other words, they help you turn growth from a guessing game into a system. Real-World Example: The Busy-but-Broke Dilemma One of our clients doubled revenue in a year—then almost ran out of cash. Why? Every big new contract required more up-front costs and staff before payments arrived. Once we mapped cash flow month by month, they saw the problem clearly. With a few tweaks—changing invoice terms, adjusting payroll timing, and setting up a short-term credit line—they moved from panic to predictability. The revenue didn’t change. The system did. Bottom Line Growth brings opportunity—but it also brings complexity. What used to fit on a spreadsheet now needs structure, foresight, and strategy. If your business is growing fast but cash feels tight, it’s time to move beyond basic bookkeeping. Contact our firm today to build a cash flow plan that grows as smart as you do.

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