Do you only work with Christian individuals and families?

Salt of the Earth CPA is a Christian CPA firm and we specialize in serving Christian individuals and families. Our voice, values, and planning approach are built around stewardship and faith-aligned decision making, which is why most of our clients come to us specifically for that reason.

What kinds of tax planning do you do for individuals and families?

We do proactive, year-round tax planning rather than once-a-year compliance. That includes withholding and estimated payment guidance, planning for W-2 income combined with side income or self-employment, strategy around bonuses, stock compensation, and equity events, multi-state and remote work planning, and tax projections so households always know what is coming next.

Can you help us plan our charitable giving and tithing?

Yes. We treat charitable giving as a core part of Christian stewardship. We help families plan tithing and ongoing church giving, use strategies like bunching and donor advised funds, give appreciated stock and non-cash gifts, and use qualified charitable distributions from IRAs when applicable.

Do you handle adoption and foster care tax considerations?

Yes. Adoption and foster care have specific tax implications, including the federal adoption credit and the way various payments are treated for tax purposes. We help adoptive and foster families plan ahead so the financial side supports the season they are walking into.

Do you manage investments or just handle the tax side?

We do not manage investments. We focus on making sure the tax side of your retirement accounts and investments is working for you rather than against you. We coordinate with your financial advisor when one is in the picture, including Roth contribution and conversion planning, capital gains and loss harvesting, and Social Security timing from a tax perspective.

Can you handle our personal taxes if we also own a business?

Yes. We coordinate personal and business returns when both apply, so the planning and filing are done together by people who already know your full situation. Christian business owners can also see our dedicated Christian Business Owners page for the business side of what we do.

Are you a virtual firm and can you work with clients outside Tennessee?

Yes. Salt of the Earth CPA is a virtual firm based in Tennessee that serves Christian individuals and families across the United States. Multi-state filings for movers and remote workers are a regular part of what we do.

Christian CPA for Individuals & Families

Christian Families & Individuals

Tax Planning & Personal Stewardship for the Life God Has Given You

Faith, Family, and a Plan You Can Trust

Your finances are not just numbers on a return. They are how you provide, give, and plan for the people you love. We help you steward all of it with confidence.

Most families only think about taxes once a year, after every decision has already been made. We walk with you year round so giving, saving, and major life moves are handled on purpose, not in a rush every April.

A person writing on a lined notebook with a pen, checking off items on a list.

“We help Christian families steward their finances in confidence.”

SALT OF THE EARTH CPA

Proactive Personal Tax Planning

A good plan is built before the year ends, not after. We look ahead at your income, your giving, and your life situation so you can make informed choices while there is still time to act.

Year round tax planning instead of once a year compliance
Withholding and estimated payment guidance so April is not a surprise
Strategy for W-2 income, side income, and self employment combined
Planning around bonuses, stock comp, RSUs, and equity events
Multi-state and remote work tax planning
A clear plan when facing an unexpected tax bill
Tax projections so you can always know what is coming next

Generosity & Charitable Giving

Giving is a core part of the Christian life. We help you give wisely, in a way that honors your convictions and treats your giving as the stewardship it is.

Strategy for tithing, ministry support, and ongoing church giving
Bunching, donor advised funds, and timing strategies
Appreciated stock and non-cash gifts
Qualified charitable distributions from IRAs

Life Events & Family Milestones

Big life changes almost always have a tax angle. We help you plan ahead so the financial side supports the season you are walking into, instead of catching you off guard.

Marriage, filing status, and combining households
New baby, adoption, and foster care tax considerations
Buying or selling a home
Moving across state lines
Job change, severance, and signing bonus planning
Inheritance, gifts received, and basis tracking

A person wearing a cream-colored fuzzy sweater holding a white box wrapped with twine. The box has text that reads 'spirit of adoption'.

Retirement & Investment Tax Strategy

We do not manage your investments, but we make sure the tax side is working for you, not against you. Coordinated with your advisor when one is in the picture.

Traditional, Roth, and backdoor Roth contribution planning
Roth conversion analysis and multi-year tax modeling
Capital gains harvesting and loss harvesting
Social Security timing from a tax perspective
Coordination with your financial advisor when helpful

Education & Raising the Next Generation

Raising and educating children comes with real financial decisions. We help you take advantage of the credits, accounts, and structures available to families.

529 plans and education savings strategy
Child Tax Credit and Dependent Care Credit planning
Education credits for college years
Homeschool, private school, and Christian school considerations where applicable

Personal Tax Preparation & Compliance

Accurate, on time filings prepared by people who already know your situation and your goals, not strangers reading your return for the first time.

Federal and state individual returns
Multi-state filings for movers and remote workers
Coordination of personal and business returns when both apply
IRS and state notice handling and response

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Whether you are walking through a major life change, planning your giving for the year, or simply ready for a CPA who plans ahead with you, we would love to help you find the right next step.

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