Tax Planning for Working Professionals in the San Francisco Bay Area

For managers, teachers, and operators earning $150K+ who want more than an annual filing.

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Who This Is For

Managers & Directors

Base salary plus bonus, RSUs, or other incentive pay.

Operators & Department Leads

W-2 income balanced with side consulting, rental property, or a growing family.

Teachers & Public-Sector Employees

Pension contributions, 403(b)/457 plans, and educator-specific deductions.

$150K+ Earners, Generally

Anyone at this income level who wants a strategy, not just a return.

If you're earning a strong income — $150K or more between salary, bonus, or a side business — but you're still handing your documents to someone once a year and hoping for the best, you're leaving money on the table. Filing an accurate return is table stakes. Real tax planning means making decisions during the year — how you're withheld, how you save, how you time income and deductions — so that when April comes around, there are no surprises.

I'm Frank Dorsey, an IRS Enrolled Agent based in San Francisco with over 40 years of experience working with Bay Area professionals. I built this service specifically for people like you: managers, teachers, and operators who've worked hard to get to this income level and want a tax strategy that keeps pace with it.

What Ongoing Tax Planning Covers

1 — W-2 & Income Optimization Most high earners are over-withheld, under-withheld, or leaving deductions on the table simply because no one looked at their paycheck until it was too late to change anything. I review your W-4 elections, bonus and equity timing, multi-state income, and pre-tax benefit elections to make sure you're not overpaying — or underpaying and getting hit with a penalty.

2 — Retirement & HSA Planning Where you put your next dollar matters. I help you sequence contributions across 401(k)/403(b), traditional vs. Roth options, HSAs, and backdoor Roth strategies where applicable, based on your actual tax bracket. For teachers and public employees, that includes pension contributions alongside supplemental accounts like a 403(b) or 457(b).

3 — Dependent Care & Family Tax Planning Childcare, dependent care FSAs, the Child and Dependent Care Credit, education savings (529 plans), and the tax impact of a growing family — planned for proactively, not discovered in March when it's too late to act.

4 — Year-Round Planning, Not Just Annual Filing This is the core difference between tax prep and tax planning. Clients on this plan get a mid-year check-in, proactive guidance ahead of major life events, quarterly estimated payment calculations if needed, and direct access to me outside of filing season.

5 — Bay Area–Specific Considerations

San Francisco and Bay Area professionals face a few things your previous tax preparer might miss:

California's high state income tax and the interaction with federal planning strategies
Multi-state filings for hybrid workers or those relocating within or outside California
Property tax and mortgage interest considerations for Bay Area home purchases
Local cost-of-living realities that make maximizing every available deduction and credit worth the extra attention