Individual Tax Preparation

Gray & Associates CPA prepares accurate, compliant personal tax returns for clients across Texas. From simple W-2 filings to complex investments and retirement income, we deliver careful, disciplined service with the convenience of secure online filing.

Expert Preparation of Your 1040

Personal returns tailored to your situation

Whether you are filing as a single taxpayer, a married couple, or a family with dependents, our CPAs ensure your return is handled thoroughly. We review every credit and deduction available, from child tax credits and education benefits to itemized deductions and retirement contributions. Our goal is to minimize liability while keeping your return clear and defensible.

Situations We Handle

Comprehensive experience across diverse tax needs

• W-2 employees and families — We manage withholdings, credits, and itemized deductions to ensure compliance and accuracy.
  
  
• Self-employed and contractors (Schedule C) — We track income and expenses, address deductions like home office or mileage, and evaluate whether an S Corporation election could add savings.
  
  
• Retirees — We handle Social Security income, RMDs, and pension reporting to help maintain tax efficiency in retirement.
  
  
• Real estate investors — We prepare Schedule E, calculate depreciation, and separate repairs from improvements.
  
  
• Investors in stocks or crypto — We reconcile gains and losses, account for basis, and apply wash sale rules.
  
  
• Business owners with K-1s — We coordinate S Corp or partnership income, track basis, and manage estimated taxes for accuracy.

State & Federal Returns

Filing beyond Texas when needed

Texas residents benefit from no personal state income tax, but clients who move or work across states often need nonresident or part-year returns. We prepare these filings alongside federal returns, ensuring everything matches and deadlines are met.

Why Choose a CPA over DIY

Professional accuracy that pays for itself

While software can file simple returns, it often misses deductions and increases the risk of mistakes. Our CPA oversight helps prevent penalties, optimize outcomes, and protect you during IRS review. For complex years—investments, self-employment, or life changes—professional preparation brings long-term value.

Convenience for You

Secure, remote-friendly tax filing

Clients across Texas use our secure online portal to upload documents, review drafts, and sign electronically. We offer virtual consultations for questions, so you never have to leave your home or office. Accuracy and efficiency meet modern convenience.

After-File Support

Standing behind every return we prepare

If you receive an IRS notice or question, we are available to help clarify and respond. Our preparation process is thorough, but when issues arise, clients know they are not alone—we provide reliable follow-up support.

Annual Tax Planning Opportunity

Every return is a chance to plan ahead

Tax preparation is not just about closing the books on the past year—it also informs the year ahead. We identify opportunities for additional savings, such as adjusting withholdings, maximizing retirement contributions, or considering an S Corp election for profitable self-employed clients. This turns each return into a strategy session for your financial future.

Ready to File?

Start your return with Gray & Associates CPA

Gather your tax documents and last year’s return, then connect with our team to begin. We’ll guide you through the process, deliver your completed return securely, and give you peace of mind that your taxes are filed correctly.