Frequently asked questions

Software works for very simple returns, but professional help pays off if you own a business, are self-employed, have investments or rental property, went through a major life change, or received an IRS notice. Harmony Tax Services prepares individual and business returns, catches deductions software often misses, and gives you a real person to call year-round.

Fees depend on the forms and schedules your return requires. A straightforward individual 1040 costs less than a business return with multiple schedules, or a partnership or S-corporation filing. We always give you a clear, upfront quote before any work begins. Call (615) 914-7215 for an estimate.

For most individuals: W-2s, any 1099s, mortgage and property-tax statements, records of deductible expenses, and last year's return. Business owners should add income and expense records, payroll reports and prior filings. When you reach out, we send a personalized checklist so you know exactly what to gather.

It depends on your age, filing status and type of income — the threshold is roughly the standard deduction for your status. Even below it, you often should file to claim a refund of withholding or credits like the Earned Income Credit or Child Tax Credit. We tell you whether you must file and whether filing benefits you.

The standard deduction is a flat amount that reduces your taxable income. For 2025 it is roughly $15,000 for single filers and about $30,000 for married couples filing jointly, with more for those 65 or older; it is adjusted each year. Most people take it — we check whether itemizing would save you more.

Yes. Many clients never step into an office. You can upload documents securely through our encrypted client portal, review your return with us by phone or video, and sign electronically from anywhere in Tennessee. In-person appointments are also available if you prefer.

We are based in Thompson's Station, Tennessee and serve clients throughout Middle Tennessee, including Franklin, Nashville, Brentwood, Spring Hill, Cool Springs, Columbia, College Grove and Arrington. Secure remote tax preparation is available for clients anywhere in Tennessee through our client portal.

Common strategies include timing income and deductions, maximizing retirement and HSA contributions, choosing the right business entity, harvesting investment losses, and planning large transactions in advance. We build a personalized, year-round plan to reduce what you legally owe rather than just reacting at filing time.

The best time to plan is well before year-end. Proactive planning lets you time income, maximize deductions and retirement contributions, and avoid surprises at filing. We offer year-round planning and projections, especially valuable for business owners, high earners and anyone with a major change coming.

Tax preparation files an accurate return for a year that has already ended. Tax planning happens before year-end and shapes what that return will look like — timing income and deductions, structuring your business, and forecasting your liability so you owe less and are never surprised. Harmony Tax Services does both.

Yes. We prepare partnership and multi-member LLC returns (Form 1065), S-corporation returns (Form 1120-S), C-corporation returns (Form 1120), and Schedule C sole-proprietor returns. We also handle quarterly estimated taxes and can advise on entity selection and owner compensation.

An LLC gives liability protection and simple taxes; electing S-corp status can cut self-employment tax once your profit is high enough — often around $50,000 or more of net profit — but adds payroll and a separate return. We run the numbers for your business and recommend the most tax-efficient structure.

It depends on your transaction volume and how many accounts you have. Simple monthly bookkeeping costs less than a high-volume business that also needs payroll. We scope it to your needs and quote a flat monthly rate upfront — and clean books usually pay for themselves at tax time.

Existing clients can securely upload documents and view returns through our client portal — use the Client Login link at the top of this site. If you're a new client, contact us first and we'll set up your account and walk you through it.