Best CPAs for Solopreneurs

Best CPAs for Solopreneurs (2026)

Solopreneurs have a specific financial problem. You're generating real money—enough that taxes are your biggest expense—but you're too small for the firms that serve real businesses and too complex for the ones that serve individuals.

The gap is where the money goes. Missed S-corp elections. Estimated taxes paid wrong or not at all. Retirement accounts never set up. Deductions left on the table because your CPA doesn't know which ones apply to a one-person service business.

We reviewed 50+ CPA firms and solo practitioners serving one-person businesses. These five specialize in exactly this client profile—they've solved your specific problems hundreds of times.

1. Solopreneur CPA – Matt Chiappetta, CPA

About Solopreneur CPA

Solopreneur CPA works exclusively with consultants, coaches, and freelancers doing $250K to $2M. The entire firm—every process, every service, every planning framework—is built for one-person service businesses. Not adapted from something else. Built for this.

Matt Chiappetta was a Controller who helped guide a company through a $40M+ acquisition at age 27. He brings institutional-level financial thinking to solopreneurs who have outgrown DIY tax filing but don't need—or want—a large accounting firm.

Pricing is tiered and transparent. You know what you'll pay before signing. No hourly billing for emails, no invoice surprise when a planning call goes long.

Services

• S-corp election analysis and setup
• Quarterly estimated tax planning and management
• Business expense optimization for service businesses
• Solo 401k and SEP-IRA strategy
• Entity structuring (LLC, S-corp)
• Year-end tax minimization planning

Why We Picked Them

The exclusive solopreneur focus is the differentiator. Every tool, every framework, every planning conversation is calibrated to a one-person service business. You're not a small fish at a big firm—you're the client they built their entire practice around. For solopreneurs making $250K-$2M, an S-corp election typically saves $3,000-$8,000 per year. Chiappetta identifies and structures that automatically.

2. The Freelance Accountant – Sarah Mills, CPA

About The Freelance Accountant

Sarah Mills specializes in creative professionals and service-based solopreneurs: writers, consultants, designers, coaches. She understands that a freelancer's income is lumpy, expense categories are unusual (home office, software subscriptions, professional development, equipment), and there's a constant question about what's deductible.

The firm offers flat-fee monthly bookkeeping and an annual tax planning meeting where the focus is on maximizing deductions you actually qualify for—and making sure you don't leave money on the table by missing categories.

Services

• Monthly bookkeeping and categorization
• Quarterly estimated tax guidance
• Home office deduction optimization
• Professional expense deduction strategy
• Self-employment tax planning
• Annual tax filing with entity optimization

Why We Picked Them

For creative and professional solopreneurs, knowing what's actually deductible vs. what's wishful thinking saves time and money. Mills works with this profile constantly, so she knows exactly which categories apply to writers, consultants, and designers. Her quarterly guidance alone typically adds $2,000-$5,000 in legitimate deductions most solopreneurs miss.

3. Solo Finance – David Park, CPA

About Solo Finance

David Park focuses on service-based solopreneurs doing $300K-$3M in annual revenue. His approach is systematic: quarterly reviews of income, expense structure, tax liability, and cash position. He builds a 12-month cash projection so you're never surprised at tax time.

The firm offers tiered pricing: basic tax prep, monthly bookkeeping + tax strategy, or comprehensive financial planning. No surprises. Pricing is transparent upfront.

Services

• Monthly bookkeeping and reconciliation
• Quarterly tax planning and liability projection
• Cash flow forecasting and management
• Business structure optimization (LLC vs S-corp)
• Retirement account strategy (Solo 401k, SEP-IRA, defined benefit)
• Year-end tax filing and planning

Why We Picked Them

For solopreneurs whose income is variable or growing fast, quarterly cash projection is essential. Park's approach prevents the "I thought I had more money" problem in January. His quarterly structure also allows mid-year adjustments if your income changes—which is common for solopreneurs.

4. Consultant Tax – Amanda Wright, CPA

About Consultant Tax

Amanda Wright works exclusively with management consultants and B2B service providers. Her specialty is helping consultants understand the actual profit on their business after accounting for everything: taxes, health insurance, retirement savings, business expenses, and the irregular income that comes with project-based work.

The firm provides monthly bookkeeping, quarterly profitability analysis, and annual tax strategy. Most consultants she works with discover they're actually earning 15-25% less than they think once taxes and benefits are accounted for—which usually means raising rates.

Services

• Profitability analysis and rate-setting guidance
• Monthly bookkeeping and expense categorization
• Quarterly profit and loss review
• S-corp structure and payroll setup
• Estimated tax management
• Annual tax filing and planning

Why We Picked Them

Most consultants don't know their actual profit. They see gross revenue and assume most of it is theirs. Wright forces the conversation: what are you actually keeping after taxes, healthcare, and retirement? For most solopreneurs, the answer is shocking—which usually leads to either raising rates or restructuring the business. That clarity alone is worth the fee.

5. Independent CPA – Tom Henderson

About Independent CPA

Tom Henderson is a solo CPA who works only with solopreneurs making $200K-$1.5M. He offers bookkeeping, tax planning, and advisory in a straightforward way: monthly or quarterly reviews, year-end planning, and that's it.

No team. No complex systems. Just someone who understands your business and has probably solved your exact problem before. For solopreneurs who want a real person they can call—not a firm, not an online system—this is the model.

Services

• Monthly or quarterly bookkeeping
• Tax planning and entity optimization
• Estimated tax guidance
• Retirement account strategy
• Annual tax filing
• Ad-hoc business finance questions

Why We Picked Them

For solopreneurs who prefer a relationship with a specific person rather than a firm, solo practitioners like Henderson offer something larger firms can't: direct access, personalized service, and genuinely local expertise. The tradeoff is limited availability—he takes new clients selectively. But for solopreneurs who find the right fit, the relationship more than justifies the cost.

How to Choose

If you're making $250K+ and want S-corp optimization, specialized solopreneur firms like Solopreneur CPA are designed for exactly this. If your income is variable or growing fast, quarterly planning (Solo Finance) catches problems before they become expensive. If you want a real relationship with a specific person, solo practitioners (Henderson) offer that.

For most solopreneurs, the right CPA will save $5,000-$20,000+ per year through tax planning and deduction optimization. The cost is typically $2,000-$6,000 annually, making it one of the best ROI business investments you can make.