Individual Tax Preparation
Federal and California state returns prepared accurately, filed on time, and explained so you understand what you signed.
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Investors · Santa Maria, CA
Tax Preparation Services for Investors in Santa Maria, CA
Heath Income Tax helps investors with tax preparation, planning, prior-year returns, notices, and year-round tax questions.
We Help Investors
Investors deal with a range of tax issues that don't apply to ordinary wage earners — short and long-term capital gains, qualified dividends, wash sale disallowances, and increasingly, digital asset reporting requirements.
Based in Santa Maria, we've worked with investors across the Central Coast for decades. We take the time to understand your specific situation and make sure you file correctly, claim every benefit you're entitled to, and aren't hit with surprises.
Common Tax Situations for Investors
These are the tax issues we work through most often with investors.
Short-term vs. long-term capital gains — rates and planning
Qualified dividends vs. ordinary dividends
Wash sale rule — disallowed losses and tracking
Cryptocurrency and digital asset reporting (Form 8949)
Foreign investments, FBAR filing, and PFIC rules
Tax-loss harvesting and timing of asset sales
Services for Investors
Everything you need — handled by one local firm that takes the time to know your situation.
Prior-Year & Back Taxes
Behind on filing? We prepare unfiled returns and help you get current with the IRS and California FTB.
Learn More →Amended Returns
Something wasn't right on a prior return? We review and file Form 1040-X to correct it — and claim any refund owed.
Learn More →IRS & FTB Notice Help
Received a letter from the IRS or California FTB? We review it with you, explain what it means, and respond when needed.
Learn More →Tax Planning & Consulting
Year-round strategy sessions to reduce your tax liability, plan for major decisions, and avoid surprises at filing time.
Learn More →Estimated Tax Guidance
If you owe quarterly estimated taxes, we calculate the right amounts and help you set up a payment schedule that works.
Learn More →Bookkeeping
For self-employed clients and small business owners: monthly bookkeeping that keeps your records clean all year long.
Learn More →Notary Services
Licensed notary on-site at our Santa Maria office — available alongside your tax appointment by request.
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How It Works
As Easy as 1-2-3
Getting your taxes handled with us is straightforward.
Call
Tell us about your situation and what kind of help you need. We'll walk you through the process and let you know what to gather.
Gather Your Things
Prepare your tax forms, income records, prior-year return, notices, or other relevant documents. See the What to Gather section below for a specific list.
We Help You Finish
We review your information, prepare the needed work, and guide you through the final steps — in person, by phone, or via secure document exchange.
Why Investors Choose Heath Income Tax
There are plenty of tax preparers out there. Here's why clients trust us with their returns year after year.
Family-Owned Tax Firm
Heath Income Tax is a family business — not a franchise, not a chain. You work with real people who care about getting it right.
Three Generations of Experience
Our family has been serving Central Coast taxpayers for three generations. That depth of experience shows in every return we prepare.
Local Santa Maria Office
We're based in Santa Maria and have served the Central Coast for decades. Come in, call us, or drop off your documents.
Personal Service
We know your name and your situation. You're not a ticket number — you're a client we've built a real relationship with over time.
Year-Round Tax Support
We're available for questions in July, not just in April. Tax decisions don't wait for filing season — and neither do we.
Secure Document Handling
Your financial documents are handled with care — in person at our Santa Maria office or via our secure remote exchange.
Federal & State Tax Preparation
We prepare federal returns and California state returns together so nothing is missed and everything is consistent.
What to Gather — Investors
Before your appointment or document drop-off, collect what applies to your situation. Don't worry if you're missing something — we'll let you know what we need.
Brokerage statements (1099-B, 1099-DIV, 1099-INT)
Cryptocurrency transaction records
Cost basis records for all assets sold during the year
K-1 forms (if you hold partnership interests or fund investments)
Foreign account records (for FBAR or FATCA, if applicable)
Prior-year tax return
1,100+
Returns Annually
49
States Served
3
Generations of Service
Year-Round
Tax Support
Frequently Asked Questions — Investors
What documents should investors bring to their appointment?
See the What to Gather section above for a complete list specific to investors. If you're unsure whether something is relevant, bring it anyway — it's easier to sort through more than to discover something is missing later.
Can you help if I have prior-year returns that haven't been filed?
Yes — we regularly help clients get caught up on unfiled returns. The IRS and California FTB both have procedures for filing late, and the sooner you get current, the better. We'll review your situation, prepare the returns, and help you understand any balances owed or penalties to address.
Can you help if I've received an IRS or California FTB notice?
Yes — if you've received a letter or notice, don't ignore it. We review it with you, explain exactly what it means, and prepare a response when one is required. Many notices are routine and require only a straightforward reply, but deadlines matter — contact us as soon as you receive it.
Do you handle cryptocurrency and digital asset transactions?
Yes — we handle crypto and digital asset transactions including sales, exchanges, and staking income. The IRS treats crypto as property, which means every transaction is a taxable event. We make sure your reporting is accurate and complete.
Do you offer tax planning, not just tax preparation?
Yes — we offer year-round tax planning consultations. For investors, timing of sales, harvesting losses, and managing capital gains exposure can make a significant difference in your tax bill.
Can I work with you remotely?
Yes — while we have a local Santa Maria office, many of our clients work with us entirely remotely. We can communicate by phone, exchange documents securely, and handle everything without an in-person visit.
Do you help clients year-round, or only during tax season?
We're available year-round — not just in April. Whether you have a question in July, need help responding to a notice, or want to plan before year-end, we're here.
How do I get started?
Call us at (805) 937-4646 or use our contact form to reach out. We'll talk through your situation, let you know what to gather, and set up a time to get started. There's no obligation — just a straightforward conversation about how we can help.
Need Tax Help for Investors?
Whether you need tax preparation, planning, prior-year filing, or help understanding your documents, Heath Income Tax is here to help.