Tax & Financial Planning · Built for Business Owners

Keep more of what your business earns.

Fiduciary, flat-fee tax strategy and financial planning for business owners earning $1M+ in revenue — built around proactive planning, not once-a-year tax prep. Many new clients uncover six figures in tax savings in their first year.

15 minutes. No pressure, no obligation — you'll leave knowing exactly whether we can help.

Fiduciary CFP® Professional IRS Enrolled Agent CPA on Team Flat Fee · Cancel Anytime
10+
Years advising business owners
6-figure
Tax savings uncovered for many clients
1 flat fee
Transparent pricing, no surprises
0 contracts
Cancel anytime, no commitments
What We Do

One coordinated strategy. Built around you.

Business owners aren't one of our niches — they're our only one. Most owners get fragmented advice from a CPA here, an advisor there; we bring it all under one roof, so every decision works together.

Tax Planning & Preparation

Proactive, year-round strategy and clean, on-time filing — one team handles both, so your return actually reflects your plan. Entity structure, quarterly projections, and every deduction you're entitled to.

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Financial Planning

Comprehensive planning led by a CERTIFIED FINANCIAL PLANNER® professional — cash flow, insurance, retirement, estate, and education planning, coordinated into one strategy built around your business.

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Investment Management

Portfolio design and ongoing management aligned with your tax strategy — including retirement and pension plans like 401(k)s, Solo 401(k)s, and cash balance plans.

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How It Works

From first call to first savings in three steps.

01

Discovery Call

A quick 15-minute call to understand your business and where the opportunities are — and for you to decide whether we're a fit. No pressure, no obligation.

02

Custom Strategy

We build a written, prioritized plan: entity structure, deductions, retirement design, and cash flow — with the dollar impact of each move.

03

Year-Round Execution

Quarterly meetings, ongoing projections, and a team that answers the phone. Strategy only works when someone actually implements it.

Transparent Pricing

Flat fees. No hidden costs. Cancel anytime.

We publish our prices because "transparent" should mean transparent. Each tier is built around where your business is today — choose the level that fits, and grow into the next as you scale.

Investment Management

Discretionary portfolio management, coordinated with your tax strategy.

Assets under management
1% / year
  • Goal-based portfolio design & ongoing management
  • Tax-efficient asset location & rebalancing
  • Retirement & pension plans — 401(k), Solo 401(k), SEP, cash balance
  • Tiered pricing: 0.75% above $1M, 0.50% above $5M
  • Standalone, or bundled with planning

Billed in arrears, monthly or quarterly — you never prepay for management.

Let's Talk

No contracts — cancel anytime. Tax preparation is available as a separate service. And because we're a fiduciary, if we can't find you more value than our fee, we'll tell you that on the free call.

Client Results

What business owners say.

★★★★★
"Tulip is amazing at what they do! A one-hour consulting session with them revealed a MAJOR blunder of our current CPA which led to saving us a large sum of money… I cannot express our gratitude enough. We will certainly be working with Tulip from now on."
VM
Vincent MentzGoogle Review
★★★★★
"Working with Stephen has made a meaningful difference for my business and in my overall financial picture. His tax planning was thorough, thoughtful, and tailored to my situation, which led to significant savings. He's easy to work with, responsive, and does a great job explaining complex strategies in a clear, practical way. Highly recommend."
JB
Jonathan BradleyGoogle Review
★★★★★
"As a newer business, we need guidance and Stephen with Tulip Financial Planning provided his expertise and a very client-centric experience. We used Tulip for our business tax filings as well as our personal taxes and he helped us find significant savings where our previous accountant had missed. I can't recommend Tulip Financial highly enough."
CM
Cynthia McMillioanGoogle Review
Who You'll Work With

Real credentials. Real people. Fewer clients on purpose.

Tulip is a fiduciary registered investment adviser — legally bound to act in your best interest. Flat fees keep it that way: no commissions, no product quotas, just advice.

SM

Stephen Mandracchia

Founder · CFP® · IRS Enrolled Agent

A decade advising high-earning entrepreneurs — including owners with $1M+ in net profits — on tax strategy and financial planning. Based in Harvest, Alabama, with his wife and kids.

LH

Laura Huntley

CPA

Keeps the compliance side airtight — accurate returns, clean books coordination, and quarterly estimates that are never a surprise.

Meet the Team

Find out what you're overpaying.

Start with a free 15-minute discovery call. Worst case, you get a second opinion. Best case, you keep six figures more.

Book a 15-Minute Discovery Call