Zachary R. Waller, CPA

CPA | Fractional CFO Services | Transforming Business with Efficient Record Keeping

[Zachary R. Waller, CPA @waller_z]

SOP Template for Financial Processes!

[Zachary R. Waller, CPA @waller_z]

These adventures keep getting better and better!

[Zachary R. Waller, CPA @waller_z]

You put me down and I will stand taller and stronger. I’m not sure you knew me

[Zachary R. Waller, CPA @waller_z]

@shinobukocoo Yeah, except the military plane crash into the commercial flight. LMAO

[Mindset Machine  @mindsetmachine]

How to identify true evil 😳

[Zachary R. Waller, CPA @waller_z]

@charlieboardman @Pipeline_papi @CashApp @FreeTaxUSA Seems straightforward.

And Yeah software is software. The annual increase is most likely delayed legislatively and the engineers can’t write fast enough. Maybe AI will change that. I’ll take a look at FreeTaxUSA

[Zachary R. Waller, CPA @waller_z]

@charlieboardman @Pipeline_papi @CashApp Or you could get a second opinion. Which will help with errors and point out opportunities

[Zachary R. Waller, CPA @waller_z]

@jiggyjayy2 Try recharacterizing those contributions as Traditional IRA contributions. Form 5498

[Zachary R. Waller, CPA @waller_z]

@barneyxbt Your girlfriend is a 3.5 safe and secure. Your friends girlfriend is a 7 slightly risky

[Zachary R. Waller, CPA @waller_z]

@mikealfred Let’s go Japan stabilize that bond market!

[Zachary R. Waller, CPA @waller_z]

State rankings for best places to start a business in 2026. Maryland came in at 49th out of 50.

This means strategy is the only way to prosper as a small business. Give me a call 443-599-8620

[Zachary R. Waller, CPA @waller_z]

@RobinhoodApp Merry Christmas!

[Zachary R. Waller, CPA @waller_z]

@BreitbartNews @SecScottBessent @AlexMarlow @carney Same!

[Zachary R. Waller, CPA @waller_z]

Standard Deduction vs. Itemizing in 2025 – the game-changer nobody saw coming for Maryland filers

With the new OBBBA law, the SALT cap just exploded from $10K to $40K. If you're in a high-property-tax spot like Baltimore or Annapolis, this could unlock $10K+ in extra deductions. But don't autopilot to standard—run the numbers, or you might leave cash on the table.

[Zachary R. Waller, CPA @waller_z]

IRS Drops Guidance on Tip & Overtime Deductions

What Maryland Workers Need to Know for 2025 Hey there, fellow Marylander—Zach here from By the Bay Accountants & Advisors. If you're slinging crab cakes at a Baltimore waterfront spot, pulling overtime on a Towson construction site, or running your own service gig in Annapolis, today's IRS update is music to your ears. On November 21, 2025, the Treasury and IRS released Notice 2025-69, laying out how you can claim those game-changing "No Tax on Tips" and "No Tax on Overtime" deductions under the One Big Beautiful Bill Act (OBBBA). This builds on earlier employer-focused guidance in IR-2025-82 (August 7, 2025) and Notice 2025-62 (November 5, 2025), which gave businesses a transition break on reporting.

Quick heads-up: These are above-the-line deductions, so you get the full perk whether you itemize or take the standard. But with W-2s and 1099s unchanged for 2025, it's on you to track and tally—employers get a pass on separate breakdowns this year. Self-employed? Same deal, using your records. These apply federally through 2028; Maryland should conform soon (we'll update you). Payroll taxes (FICA) still hit, but income tax relief? Huge for our high-cost state. Reach out to Us to Learn More.

[unusual_whales @unusual_whales]

Google ’s, $GOOGL, AI infrastructure boss told employees at an all-hands meeting that the company has to double its compute capacity every six months in order to meet demand for artificial intelligence services, per CNBC

[Zachary R. Waller, CPA @waller_z]

Don't Miss the Dec 31st Cutoff!

Did you know that charitable donations and certain business expenses must be paid (not just pledged) by Dec 31st to count for this tax year? If you are on the fence about buying that new equipment or making a donation, now is the time.

Questions about what's deductible? Call us at 443-599-8620

[Zachary R. Waller, CPA @waller_z]

Happy National Entrepreneur’s Day!

[First Squawk @FirstSquawk]

Chinese and U.S. officials tentatively agree to avert 100% tariffs

[Zachary R. Waller, CPA @waller_z]

@DGretta_Author It’s part of that rational thinking 💭