Top producer · $640K commission · year 7
+$22,800 / yr
Late S-corp election filed retroactive to January, reasonable comp set at $185K, Solo 401(k) profit-share + Cash Balance plan opened. Year-one savings $22.8K, recurring annually.
Who we help · Realtor + real estate agent · The agent side
Top-producer realtors lose $20K+/yr to one decision. The S-corp election that never got modeled.
Real estate agents on 1099 commission are textbook S-corp candidates — but most preparers just file Schedule C and call it done. For a $400K-commission agent, that's $20K+/yr of recurring savings lost. Plus mileage, marketing, team comp structuring, retirement stacking. The agent-side tax playbook is its own thing — and it isn't being run for most agents.
$8K–$20KYear-one savings · typical
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This is you if
Your real estate practice looks like one of these. The S-corp + ops work hasn't happened.
- Solo agent clearing $150K+ commission net with no S-corp, no entity, no quarterly plan
- Top-producer realtor at $400K+ commission with team agents + marketing spend + brokerage split
- Team lead / rainmaker with junior agents on splits and the W-2/1099 classification question
- Agent + investor who also flips houses or holds rentals — two tax personalities in one return
- New agent (first 18 months) with growing income + no idea about quarterly estimates + first-1099 confusion
- Agent transitioning from W-2 (just left a brokerage to go independent) with mid-year tax surprise approaching
- Commercial agent with longer commission cycles + larger checks + multi-state deal flow
- Property manager / agent hybrid with rental management fees + sales commissions + your own portfolio
What you're done with
Three real agents. Same three patterns.
Realtors come to us with three problems: S-corp election that was never raised, vehicle + marketing deductions that aren't tracked correctly, and team-comp classification questions nobody answers cleanly.
"I had a $640K commission year. My CPA filed Schedule C. He's been my preparer for 7 years. I just learned about S-corp from a TikTok. Pretty sure I left $25K on the table — every year."
Top producer · year 7 · Apr 2026
"I drive 30,000 miles a year for showings. I have no mileage log. My CPA says I can deduct 'something' but won't commit. Insurance is in my personal name."
Solo agent · year 3 · Mar 2026
"I lead a team of 4 junior agents on splits. Are they 1099 or W-2? My brokerage doesn't know. I don't know. I'm pretty sure the IRS knows."
Team lead · $1.2M GCI · Feb 2026
The work for realtors isn't hard — it's well-mapped. S-corp at the right threshold. Mileage + marketing captured rigorously. Team comp classified correctly. Retirement stacking layered. The reason most agents overpay is that nobody runs the playbook in order.
What we'd actually do for you
Six moves. The standard realtor engagement.
- 01
S-corp election for agents over the threshold
Realtors clearing $150K+ commission net almost always benefit from S-corp election. For a $400K-commission agent, the typical S-corp savings is $14K–$22K/yr in SE tax — even after Gusto payroll costs. Reasonable comp benchmarked against NAR + BLS realtor data.
- 02
Vehicle deduction done right
Agents drive a lot. Standard mileage vs. actual expense, business-use percentage, leased vs. owned — these decisions get locked year-one and matter for years. For 30K business miles, the standard mileage deduction in 2026 is $20,400. We set up MileIQ + Gusto reimbursement so it's documented.
- 03
Marketing + listing expense documentation
Photography, drone, staging, social ads, signs, brochures, MLS fees, lockboxes, broker dues. Most agents track ~60% of what they actually spend. We rebuild your expense capture in Kick so nothing slips and the deductions are audit-defensible.
- 04
Broker split + team comp structuring
Team leads paying junior agents on splits face a real W-2-vs-1099 question. The brokerage's classification doesn't bind you — the IRS test is independent. We map your team comp + classify correctly + set up Gusto if W-2 path is right.
- 05
Real-estate-agent-specific retirement stacking
Solo 401(k) on the S-corp commission income, plus mega-backdoor Roth if you have spouse W-2 to coordinate against. Cash Balance plan once you're a top producer. $50K–$100K/yr of tax-deferred contribution capacity that most agents never use.
- 06
Personal-investor side handled separately
If you flip or hold rentals personally, that's a different tax personality from your agent income. Schedule E for rentals, Schedule C/1120-S for the agency. We keep the books and entities clean so the IRS doesn't blur them.
Recent realtor outcomes
Three real agents. Three real outcomes.
Solo agent · year 3 · 30K business miles
+$12,200 / yr
MileIQ tracking deployed retroactively where receipts supported, going-forward mileage captured monthly. Marketing-expense capture rebuilt. S-corp election when income justified. $12.2K of newly-claimed deductions in year one.
Team lead · $1.2M GCI · 4 junior agents
$0 classification exposure + $18K saved
Junior-agent classification audit. Three reclassified as W-2 (failed IRS 20-factor test), one stayed 1099. Gusto deployed. Team-lead S-corp election + Solo 401(k) added $18K of savings on top.
Which tier fits
For most agents, Standard is the right tier.
Recommended for this segment
Tax Analysis · Standard tier
$2,500 flat
3-year scope · S-corp + reasonable comp · vehicle + marketing deduction review · retirement vehicle stacking · brokerage-split + team-comp analysis · ranked next-step list.
Top producers ($400K+ GCI) with teams + multi-state deal flow: Comprehensive ($5K). Agents who also have a rental portfolio: Comprehensive.
Common questions
What agents ask before engaging.
Do you work with agents outside Texas?
Yes. Realtors work nationally and we serve them nationally. Every state has its own real estate license requirements + commission rules — those aren't tax issues, but we coordinate with your broker on what's deductible vs. covered.
What about real estate investor work — can you do that too?
Yes. Many agents are also investors. See /who-we-help/real-estate-investor for the investor-side playbook. We handle both in one engagement when applicable.
Can you talk to my broker?
Yes — and we often do. Your brokerage's classification policy for splits, the way they handle desk fees, and the way they 1099 you all affect your tax position. We coordinate when needed.
What about the team retreats / professional development trips?
Deductible when documented correctly (business purpose, agenda, attendees, location justification). We help you document these so they hold up — most agents either underclaim them or overclaim them. We split the difference correctly.
Next step
One 15-minute call. We scope your commission + team + investments.
Bring last year's 1099 from your brokerage, your team structure, your mileage estimate, and any rentals you hold personally. We'll quote the right tier and timeline before any work begins.
See if you're overpaying →