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OUR INSIGHTS SUITE
Tax Strategy, CFO Insights & NIL Finance for Founders and Athletes


How to Add, Change, or Renew a DBA in Texas
You can’t amend a Texas DBA. When the name, the details, or the term changes, you file a new certificate. Here is how to add, change, renew, and cancel a DBA.

MJ Cunningham, EA
1 day ago4 min read
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DBA or Legal Name Change in Texas: Which Do You Need?
A DBA adds a name to your Texas business, and a legal name change replaces the one you have. Here is how to tell which filing you need, when you need both, and what a DBA does and does not protect.

MJ Cunningham, EA
4 days ago4 min read
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How to Change Your Business Name in Texas
Changing a Texas business name takes one filing, but approval and name availability can stop it first. Here is who has to approve the change, why Texas rejects names, and what to update afterward.

MJ Cunningham, EA
6 days ago4 min read
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Why Do Payroll Discrepancies Surface After a Provider Transition?
You switched payroll providers and the new system works fine, then a discrepancy shows up weeks or months later. Here is why a provider transition exposes payroll problems and what to check first.

MJ Cunningham, EA
Oct 264 min read
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How Far Back Should a Payroll Tax Reconciliation Go?
Too short a lookback and you miss an older payroll tax problem. Too long and you pay to check periods that were never in question. Here is how to decide how far back your reconciliation should go.

MJ Cunningham, EA
Oct 234 min read
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What Causes Payroll Tax Discrepancies Between Your Records and the State's?
Your payroll system says one thing and the state’s portal says another, and neither looks obviously wrong on its own. Here are the events that most often cause a payroll tax discrepancy, and how to tell which one you have.

MJ Cunningham, EA
Oct 215 min read
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How Do You Reconcile Payroll Taxes Across Multiple States?
Reconciling payroll taxes across several states is not one task, it is one task per state, repeated. Here is what the process actually involves, the records you need, and where businesses usually get stuck doing it themselves.

MJ Cunningham, EA
Oct 194 min read
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Why Doesn't My Payroll Tax Balance Match What I Actually Paid?
Payroll ran, employees got paid, deposits went out on schedule, and the agency’s balance still does not match what you think you paid. That gap is rarely random. Here is why it happens, the five most common causes, and how to trace yours.

MJ Cunningham, EA
Oct 164 min read
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Can I Change My Registered Agent If My Texas LLC Is Forfeited?
A forfeited Texas LLC can't change its registered agent until it is reinstated, and reinstatement doesn't update the agent either. Here is the two step order that gets both fixed, and what is at risk while you wait.

MJ Cunningham, EA
Oct 75 min read
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My Texas Registered Agent Resigned. What Happens Now?
When your registered agent resigns in Texas, the clock starts: the agent drops off after about 31 days, and the state can terminate your business if no replacement is named within roughly 90 days of its notice. Here is the timeline, the risk in the gap, and the one filing that fixes it.

MJ Cunningham, EA
Oct 45 min read
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How Do I Change My Registered Agent in Texas?
Changing your registered agent in Texas comes down to one filing, Form 401, but it only goes through if your new agent has consented and your business is in good standing. Here's what gets it rejected.

MJ Cunningham, EA
Oct 14 min read
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How Long Can the IRS Collect Back Taxes? The 10-Year Rule Explained
The IRS generally has ten years to collect a tax debt, but the clock starts at assessment, not the tax year, and it pauses for events like an offer in compromise or bankruptcy. Here's how to find your real CSED.

MJ Cunningham, EA
Sep 297 min read
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IRS Transcripts Explained: What They Show and How to Read Them
There are five types of IRS transcripts, and each answers a different question about your account. Here is what each one shows, every way to get yours, and an honest look at what reading them actually takes.

MJ Cunningham, EA
Sep 276 min read
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How Do I Find Out How Much I Owe the IRS?
There are four ways to find out what you owe the IRS, an online account, a phone call, your notices, or a full transcript pull by a licensed representative, and they don't show you the same thing. This guide covers what each one reveals and hides, why your balance is bigger or smaller than you fear, and how to turn a scary total into an actual plan instead of a payoff quote.

MJ Cunningham, EA
Sep 225 min read
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IRS Reasonable Cause Penalty Relief: What Qualifies and What Never Does
Reasonable cause is the IRS's evidence-based penalty relief program, it removes penalties when circumstances outside your control caused the compliance failure, but only when the story is documented, not just told. This guide covers what actually qualifies, the professional-reliance rule that surprises most taxpayers, how a winning request is built, and what to expect if first-time abatement isn't available for your year.

MJ Cunningham, EA
Sep 208 min read
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Why Was My Certificate of Good Standing Request Denied?
If your Texas Certificate of Fact, Status request came back denied, flagged, or never arrived, the most likely reason is that your LLC has forfeited its registration with the state, almost always over unresolved franchise tax. This is not a paperwork error a resubmission will fix. This guide explains what forfeiture actually means, walks through a real case where a denied certificate surfaced a forfeiture during a loan closing, and covers exactly what has to happen before.

MJ Cunningham, EA
Aug 205 min read
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How Do I Get a Certificate of Good Standing in Texas Fast?
Most delays in getting a Texas Certificate of Fact, Status have nothing to do with the state being slow. They come from requesting the wrong document, submitting a name that does not exactly match your filed entity name, or discovering partway through that your entity cannot receive one at all. This guide walks through exactly what information you need before you submit and where the process actually slows down.

MJ Cunningham, EA
Aug 185 min read
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What Is a Certificate of Good Standing in Texas?
If a lender, title company, or another state's registration office asked you for a Certificate of Good Standing, you searched for something Texas does not actually issue. The real document is called a Certificate of Fact, Status, and requesting it under the wrong name is the most common reason these requests stall or bounce back entirely.

MJ Cunningham, EA
Aug 166 min read
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How to Get IRS Penalties Removed: What Actually Works
Most taxpayers assume IRS penalties are locked in the moment they hit the account, so they pay them without asking a single question. In reality, two formal programs remove failure-to-file, failure-to-pay, and other penalties every year, and the IRS is never required to mention either one. This guide breaks down what actually qualifies, how much of a typical balance is penalties versus tax, and the exact process for requesting removal.

MJ Cunningham, EA
Aug 116 min read
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IRS Bank Levy: What It Means and How to Stop It Fast
An IRS bank levy freezes your funds, but not permanently, the bank must hold them for 21 days before sending anything to the IRS. Here's exactly how that window works, the fastest release paths, and what to do in the first 24 hours.

MJ Cunningham, EA
Aug 67 min read
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