7 Common Tax Planning Myths Debunked for Business Owners

by | Tax Strategies for Businesses

Tax planning is an essential aspect of financial management for both business owners and independent contractors. However, navigating the complex world of taxes often comes with its fair share of myths and misconceptions. In this article, we’ll debunk seven common myths about tax planning, empowering you to make informed decisions and maximize savings.

Myth 1: Tax Planning is Only for the Wealthy

Reality: Tax planning is beneficial for individuals at all income levels, including business owners and independent contractors. By strategically managing your finances and taking advantage of available deductions and credits, you can minimize your tax liability and keep more money in your pocket.

Myth 2: Tax Planning is Only Necessary During Tax Season

Reality: Effective tax planning is a year-round endeavor, not just something to consider when tax season rolls around. By proactively managing your finances and implementing tax-saving strategies throughout the year, you can optimize your tax position and avoid last-minute scrambling.

Myth 3: Tax Planning is Too Complicated for Small Businesses

Reality: While tax laws and regulations can be complex, there are plenty of resources available to help small business owners navigate them effectively. Working with a qualified tax professional can provide invaluable guidance and ensure that you’re taking advantage of all available tax-saving opportunities.

Myth 4: Tax Planning is Just About Finding Loopholes

Reality: While tax planning does involve identifying legitimate deductions and credits, it’s not about exploiting loopholes or engaging in questionable practices. Instead, it’s about understanding the tax code and structuring your finances in a way that minimizes your tax liability while remaining compliant with the law.

Myth 5: Tax Planning is Only About Reducing Taxes

Reality: While reducing taxes is certainly a primary goal of tax planning, it’s not the only consideration. Effective tax planning also involves optimizing your overall financial strategy to achieve long-term goals such as retirement planning, wealth preservation, and business succession.

Myth 6: Tax Planning is the Same as Tax Avoidance

Reality: Tax planning and tax avoidance are often used interchangeably, but they’re not the same thing. Tax planning involves legitimate strategies for minimizing taxes within the bounds of the law, while tax avoidance typically refers to illegal or unethical practices aimed at evading taxes altogether.

Myth 7: Tax Planning is Too Expensive

Reality: While hiring a tax professional may incur some upfront costs, the potential savings far outweigh the investment. A skilled tax advisor can help you identify opportunities to minimize your tax liability and maximize your financial success in the long run. In most cases, the amount of money you spend on a qualified CPA will be offset by your tax savings.

Tax planning is a critical component of financial management for business owners and independent contractors. By debunking common myths and understanding the realities of tax planning, you can make informed decisions that optimize your tax position and support your long-term financial goals. Don’t let misconceptions hold you back—empower yourself with knowledge and take control of your tax planning strategy today. If you’re looking for help from an experienced CPA, reach out to us today!

7 Tax Deductions for 1099 Workers in Lake Norman, NC

by | Tax Strategies for Businesses

Are you a 1099 worker based in the Charlotte Metro area looking for ways to maximize your tax savings? As a self-employed individual, you have the opportunity to deduct various business expenses to reduce your taxable income. In addition to reducing taxable income, deductions can offset business expenses, leading to increased profitability. Additionally, taking advantage of available deductions allows 1099 workers to keep more of their hard-earned money and reinvest it back into their businesses or personal savings. Understanding these deductions can help you keep more money in your pocket come tax time.

Before we get into the various 1099 tax deductions self-employed individuals can make, let’s first go over what a 1099 worker is. A 1099 worker is a self-employed individual or independent contractor who receives income directly from clients or businesses. Unlike traditional employees who receive a W-2 form, 1099 workers are responsible for reporting their income and paying taxes on it, as they are considered separate entities from the entities they work for. While W-2 employees have taxes automatically deducted from their paychecks, 1099 workers are responsible for keeping track of their tax liabilities. As a 1099 worker, you may not immediately consider yourself a business owner, however you can certainly consider yourself a business of one!

1099 Tax Deductions that Self-Employed Individuals can Take Advantage of

  1. Home Office Expenses: If you use a portion of your home exclusively for business purposes, you may qualify for the home office deduction. This deduction allows you to deduct expenses such as utilities, rent or mortgage interest, property taxes, and home maintenance costs related to your home office space. When utilizing a home office deduction, you can use the simplified option or regular method. Regardless of the method you choose, the IRS states that your space must meet two requirements including: Regular & exclusive use Principal place of your business.
  2. Vehicle & Travel Expenses: If you use your vehicle for business purposes, you can deduct expenses such as gas, maintenance, insurance, parking fees, tolls and depreciation. Keep detailed records of your mileage and expenses to accurately calculate your deduction. In addition to expenses that you may incur on a daily basis, travel expenses such as airline tickets, hotel accommodations and baggage fees are also deductible expenses that may be required for your area of work. If you travel for conferences or to meet clients in person, these expenses may be tax deductible.
  3. Office Supplies and Equipment: Any supplies or equipment you purchase for your business, such as computers, software, and office furniture can be deducted as business expenses. Keep receipts and records of these purchases for tax purposes so you can accurately deduct the amount that you spent on these business necessities.
  4. Professional Services: Payments made to professionals such as accountants, lawyers, consultants, and marketing experts are deductible business expenses. These services are essential for running your business effectively, so be sure to keep track of these expenses.
  5. Health Insurance Premiums: Many W-2 employees are offered employer-sponsored health insurance in some capacity. Since self-employed individuals are fully responsible for their health insurance coverage, they can deduct health insurance premiums paid for themselves, their spouses, and dependents. This deduction can significantly reduce your taxable income and provide valuable savings on healthcare costs.
  6. Educational Expenses: As a business-owner or contractor, you may be enrolled in courses to further your knowledge in your field. Expenses such as college tuition, certification & licensing fees, and book fees can fall under this category as long as it is related to the work that you do.
  7. Advertising and Marketing: Money spent on advertising and marketing your business, including website development, online ads, business cards, and promotional materials, can be deducted as business expenses. These expenses are crucial for attracting customers and growing your business and are therefore tax deductible and can be used to reduce your taxable income.

FAQs:
Q: Do I need to keep receipts for all deductible expenses?
A: Yes, it’s essential to keep detailed records and receipts for all business-related expenses to support your deductions in case of an audit.

Q: Can I deduct meals and entertainment expenses?
A: Generally, you can deduct 50% of meals and entertainment expenses that are directly related to your business. Keep receipts and note the business purpose of each expense.

Q: What if I work from a co-working space instead of a home office?
A: You can still deduct expenses related to a co-working space, such as membership fees, rent, and utilities, as long as they are exclusively used for business purposes.

By taking advantage of these 1099 tax deductions, contractors and self-employed individuals in Lake Norman, NC, can reduce their tax liability and keep more of their hard-earned money. If you’re interested in learning more, reach out to start tax planning and ensure you’re maximizing your deductions and staying compliant with tax laws in your local area.

Accommodating State Sales Tax Changes in Your Lake Norman Business

by | Tax Strategies for Businesses

Loading the dishwasher is a daily job in most households. And, to get clean dishes and not melt your plastic to-go containers, you’ll need to arrange things well. And, according to Consumer reports, there actually is a right way to load yours. 

While doing the dishes the right way means cleaner dishes, doing things the wrong way won’t have any kind of crazy consequences. But when it comes to your sales tax reporting, doing things wrong could mean big problems for you.

Before I get into that, let’s touch on a couple things:

1. In an effort to continue improving the taxpayer experience, the IRS is creating new business tax accounts. These will simplify tax-related tasks and provide access to tax history, online payments, IRS notices, and authorizations, as well as other ongoing improvements. 

2. If you were one of those who incorrectly claimed the ERC, the IRS is offering you a fix: you can withdraw your offer… as long as you meet the requirements.

These are some things you’ll want to make sure you have in order and soon. While the first one will improve things overall for your taxpayer experience, especially in the new year, the second one will keep you away from trouble if you claimed the ERC falsely. 

Besides these, there are other updates to sales tax reporting that will require you to evaluate and improve things in your Lake Norman business so you’re continuing to do things the right way.

Accommodating State Sales Tax Changes in Your Lake Norman Business
“The secret to selling: don’t sell. Help people buy.” ― Jeffrey Gitomer

State and local governments have been increasingly making changes to their sales tax regulations, and 2023 was no exception, particularly the first half of the year. One of the reasons they’re doing this is because they need more money to build roads and run other government programs — all things that have become more expensive because of inflation. 

Let this serve as a reminder for businesses tasked with the tracking and payment of state sales taxes to stay on top of those changes. Apart from that, there are other basics to make sure you’re covering as well, and I’ve got two questions for you to assess for your Charlotte business today.

Are you filing zero-due returns?

If you’ve registered for state sales taxes in a place because you’ve got a business presence there, even if you didn’t actually collect any sales tax, you might think there’s no need to file any returns. Well, that’s not entirely true. In many states, they want to hear from you, even if you didn’t collect a single cent in sales tax.

Most states require businesses with sales tax registration to file returns, even if they didn’t collect any sales tax. This is called a zero-due return. Failure to file zero-due returns can result in penalties; filing regularly may allow you to reduce your reporting frequency.

Common scenarios where you might need to file zero-due returns for state sales taxes:

  • You need to show valid resale exemption certificates to your suppliers, but you don’t have to collect sales tax from your own customers.
  • You have occasional taxable sales mixed in with lots of tax-exempt ones.

Can eCommerce systems effectively manage all of your sales tax requirements?

Your eCommerce platform can do a lot, thankfully, but full reliance on it for sales tax compliance can be risky. Economic nexus rules, which vary by state and can change frequently, mean you may have to report even if you haven’t collected much tax. Physical presence, like having offices or sales reps, can also trigger these rules. And taxability varies, with some states taxing not just products but also services.

Understanding where your transactions occurred is crucial. Home rule states further complicate matters, as they allow local jurisdictions to set their own tax rules. Marketplace facilitators like Amazon can handle state sales taxes for you, but if you sell through other channels, you still need to monitor your sales to determine if you’ve reached economic nexus thresholds.

Calculations, tracking of various tax rates, and filing process setup is all part of the whole fun process.

 

If you’re unsure whether you need to file zero-due returns, or you want a software check-up as it relates to your state sales taxes collection process, get signed up for a consult and we’ll take a look:
calendly.com/kristin_kristingravitt/discovery-call

Close.

Kristin Gravitt

 

Kristin Gravitt, PLLC’s Tips for 2023 Small Business Tax Planning

by | Tax Strategies for Businesses

Forward-thinking is a must in business… that goes for your taxes too. And I’m going to dive into what that looks like today.

But first, let’s talk about your tax filing. The S corp and partnership filing deadline is coming up (March 15 to be exact). While we’ll probably file an extension for you if you’re in this category and just now looking at your taxes, you’ll want to dial in VERY soon.

But also, there’s little more than a month before personal tax returns are due. Let’s set procrastination aside and get on those returns so you can get Uncle Sam off your back and keep your Lake Norman business functioning optimally:
calendly.com/kristin_kristingravitt/discovery-call

(And, of course, we will put clients on extension as needed.)

Now, let’s get back to that forward-thinking…

Taxes are more than a “once a year” obligation. They’re something you want to optimize for all. year. long. 

There are numerous practical strategies you can implement in your business — accommodating estimated payments in your budget, deduction-minded travel planning, and timing your expenses, to name a few. 

Tax-optimizing your Lake Norman business starts by knowing what the IRS has made available to you as a business owner. But even more than that, it’s knowing how to take advantage of what’s available… and that ain’t easy – Uncle Sam’s made sure of this. 

Getting into planning mode is going to require you actively carving out some time in your busy business owner schedule… whether you’re facing doing taxes on your own (not recommended) or meeting up with your favorite tax pro (wink, wink). 

In the interest of offering you some of my expert insight at no extra cost to you, I’d like to start the small business tax planning conversation here…

Kristin Gravitt, PLLC’s Tips for 2023 Small Business Tax Planning
“Luck had nothing to do with this. It was good management and hard work.” – the Goose from Charlotte’s Web

Now that covid-related tax relief is fading for most companies, it’s worth honing in once again on tried-and-true small business tax planning strategies.

Of course, we first want to get you through the spring’s filings of tax returns — but after that comes all the rest of 2023, with plenty of tax developments that determine the best plan for this year (and beyond). 

Small business tax planning insight #1: Get ready for filing

Make sure your documentation is on hand for your business expenses. Take a look at your company’s return(s) from last year and think about what you and your company did through 2022 to qualify for evergreen tax concerns such as capital purchases, payroll, maybe a home office deduction, and so on. If you have questions, reach out as soon as you can.

A few general reminders for 2022 taxes:

  • You are not yet responsible for kicking out IRS Form 1099-Ks for transactions exceeding 600 bucks; the IRS put that requirement off a year.
  • Net operating loss carryforwards are again capped at 80% (after a brief reprieve in previous years) of your taxable income, and the thresholds for excess business losses are 270,000 dollars (540,000 dollars if Married Filing Jointly).
  • After December 31, 2021, you have to amortize your research and development expenditures over five years.
  • The first-year bonus depreciation deduction was 100% through the end of 2022. As of 2023, it’s scheduled to reduce every year.
  • As of last year, the amount of net business interest expense you can deduct from taxable income is further reduced — but there is an exemption for companies with average gross receipts of 27 million or less for the three most recent tax years.
  • Standard mileage rates for 2022 were 58.5 cents per mile from January 1 through June 30 and 62.5 cents per mile from July 1 through December 31. 

Speaking of which, your mileage may vary. (Your deductions depend on the circumstance of your small business.) Check with us. 

Small business tax planning insight #2: Looking ahead

There’s a lot of 2023 left for you to do business tax planning. What should you be looking at in general? 

Business tax-filing deadlines are your first planning details, and through the rest of 2023, there are more than a dozen federal ones (depending on your business structure) beyond Tax Day on April 18. You can see the IRS filing schedule for this year here along with details on extension deadlines — and of course, you can always check with us, too. 

Beyond just knowing when and what you’ll have to file, having the schedule at hand will help you budget throughout the year if you deal with such obligations as paying estimated taxes every quarter. 

Planning strategically often makes tax liabilities a little easier to swallow — and can make saving taxes and improving your business easier, period. Considerations: 

  • Is 2023 the year to restructure your company? People in some partnerships, LLCs, and S corporations get a 20% tax deduction on their “qualified business income.” As this break may (or may not) disappear three years from now, maybe now’s the time to take advantage. 
  • Hiring family members can save on taxes if you follow IRS income tax thresholds. Under some circumstances, hiring your spouse can let you double your retirement plan contributions (though you will owe payroll taxes on their income). 
  • Starting this year (thanks to the SECURE 2.0 Act), small companies can get a juicy credit for starting a pension plan. You can also match employee contributions on a Roth on an after-tax basis, among other changes. Details include some caps and phase-outs. 
  • Think green: The Inflation Reduction Act turned energy saving into a tax-saving move for some companies. Commercial buildings now have to cut energy use by only 25% (used to be 50%) to get a deduction. You might also be able to snag up to a 7,500-dollar tax credit if you buy certain electric vehicles for your company.

Small business tax planning insight #3: Further down the road

Make some preliminary notes for four or five months from now, when you’ll be closing in on the final quarter of 2023. That’s the time, for instance, to put into action your plans to accelerate or defer into 2024 income or expenses, depending on your tax situation. (We can help you decide.) 

And we’ll keep you up to date on tax developments that affect your business as the year progresses, such as the increasingly tricky rule about far-flung tax jurisdictions and remote workers. Taxes never stop — so your small business tax planning shouldn’t, either. 

We’re here to help you build the best future possible for your Lake Norman business. That includes setting you up for success, both during tax season and throughout the rest of the year.

Always here to help,

Kristin Gravitt

 

 

 

Gravitt’s 8 “Right Now” Business Tax Moves

by | Tax Strategies for Businesses

Ready for some yuletide cheer? Inflation might have hit its peak this year. So say the “experts.” 

That particular category of people hasn’t exactly covered itself with glory of late … so, we’ll see how that actually plays out for businesses in the coming months. 

What’s the price environment looking like for you within your industry right now? Curious to hear what you’d have to say.

We’d actually love to hear a broader picture about how your Lake Norman business is faring after the past couple of years of rising supply costs across the board. Do you need help examining where the dollars are going out and coming in? We can take a look with you to shore things up for success (and survival) in 2023.

Schedule a time with us here: calendly.com/kristin_kristingravitt/discovery-call

And, while we’re at it, we can also talk about how to help lessen your 2022 tax bill. Let’s start right here with these year-end business tax moves you can make before December 31st…

Gravitt’s 8 “Right Now” Business Tax Moves
“Time is money.” – Ben Franklin

It’s been yet another … interesting, to say the least, year to run a small business. We’ve tried to be there for you every minute — and we’re here today to let you know that it’s really not too late to improve your business tax situation for 2022. 

Even now, you can make (or change) moves that you’ll thank us and yourself for when you file this year’s taxes for your company in 2023.  

8 business tax moves to make RIGHT NOW

1.) Employee bonuses. Amid the holiday exuberance, take another pass at those holiday bonuses before you hand them out. You want to show gratitude, sure, but are you certain those bonuses won’t eat up cash you’ll need in 2023? 

2.) Examine deductions. We urge you (and we’re happy to help) to review all your business activities for potential deductions in 2022. Use a fine-toothed comb and tune your eye to detail. Mention them to us — we make no guarantee, but you don’t want to leave any legit deduction on the table. 

Ditto for tax credits like for research and development or, specific to some industries, energy credits or FICA tip credits. If you have real estate, start looking into cost segregation or, down the road, a like-kind 1031 exchange. It might be tough to pull the needed documents together in the days left this year, but at least we can start thinking about these questions. 

3.) Equipment and Sec. 179. Buying equipment or machinery and putting it in service before this December 31 can get you a 2022 deduction under Sec. 179 (potentially a big one, too — but this isn’t always automatic and there can be conditions, so check with us). 

4.) Tax-smart use of credit cards. Deductions can be taken as of the day of the purchase for credit cards used by a single-member LLC, by a sole proprietor who files a Schedule C, and by a corporation that uses a card that is in the corporate name. 

If your Lake Norman business is a corporation and you are the personal owner of the credit card, the corporation has to reimburse you, and (for tax purposes) the deduction takes effect on the date of the reimbursement. Will that be before this December 31?  

5.) Accelerate or defer. The tail-end of a year brings up a time-honored tactic: accelerating expenses and spending while cutting back on billing to defer income into next year. Thoroughly review your expenses. Which ones can you speed up? Were you planning on large outlays in early 2023 anyway? If so, moving them up a month or so could be workable. This is especially effective if your business uses cash-basis accounting. 

(In fact, if you do use this accounting method and you can afford the money upfront, the IRS has a safe-harbor “12-month rule” that lets you deduct a prepaid future expense in the current year — but it can be tough to qualify for.) 

A simpler and more common tactic: Don’t bill until January (assuming most of your clients and customers don’t pay until they’re billed). This defers income into the next tax year. 

6.) Retirement and medical plans. It may not be too late to establish your company’s retirement plan. One of your quickest options might be a Simplified Employee Pension plan. You can deduct the lesser of your contributions (up to 61 grand per employee for 2022) or a quarter of the employee’s compensation. 

Regarding your company’s medical plan, make sure as 2022 runs out that you have health insurance reimbursements recorded properly for tax deductions or credits.

7.) Pandemic loans and credits. The IRS says that if your Paycheck Protection Program (PPP) was forgiven based on “misrepresentations or omissions,” you can’t exclude the amount from your taxable income. Think now about an amended return. Ditto if you have any doubts about your eligibility for the legendary Employee Retention Credit that you might have applied for. Call us, please. 

8.) Qualified Improvement Property. A QIP, if you have one, is a property eligible for special tax consideration. But to secure the QIP deduction in 2022, you need to place the property in service on or before December 31. Also, if you filed a 2019 return that you haven’t amended and that involves the QIP, you still have a little time … but let us know.

 

It’s never too late — or early — to get the most out of your business tax situation. Before your Lake Norman company heads into another great new year, let us help you…

Finish strong,

Kristin Gravitt

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Changes to Your Lake Norman Business’s Social Security Payroll Taxes

by | Tax Strategies for Businesses

Have you recovered from the electoral drama yet?

Allow me to quickly remind you: No matter how you’re feeling about these results, what matters MOST is how you operate that which is under YOUR control.

And I say that as somebody whose entire work is driven by decisions made by Congress and the IRS.

So, let’s keep on trucking towards our goals, and keep this stuff where it belongs – as background noise.

You’ve been faced with a lot of changes the past year… two years – ok, three years. I have to take a second to really commend you on your resilience in these times. As a business owner, being able to take a few hard-landing punches and still stay in the fight takes grit.

And I like to consider myself your ringside coach in this fight. And more than just a little “attaboy,” I’m here to help you strategize and come out with the win in your Lake Norman business.

So as the year hurtles towards its end, that means thinking about the last moves you can make to see those goals you had get checked off your list. Ready to get a little “ringside” chat in? I’m right here:
calendly.com/kristin_kristingravitt/discovery-call

Now, speaking of one of those changes, you may have to help your employees navigate a change that’s coming to social security payroll taxes starting 1/1/2023…

And if payroll is something you want us to help you with, drop me a note.

Changes to Your Lake Norman Business’s Social Security Payroll Taxes
“It’s not the load that breaks you down, it’s the way you carry it.” – Lou Holtz

You may have heard about the recent increases coming to Social Security benefits: the biggest hike in decades. Seems inflation’s getting into everything, including taxes for your employees. 

Starting next year, your workers will have to earn more before they’re exempt from having Social Security taxes taken out of their paycheck. 

Here’s what to know about the changes to social security payroll taxes. 

The up and up

Most people have heard by now that Social Security recently gave benefits recipients the biggest cost-of-living adjustment (COLA) since 1981 – good news for a lot of folks fighting inflation. But increases were also reflected in another Social Security formula, this one affecting your Lake Norman company. 

Starting next year, the base annual wage for computing Social Security tax will increase to $160,200 – up from $147,000 for 2022. Wages and self-employment income above this threshold won’t be subject to Social Security tax. 

As a reminder, employers, employees, and self-employed workers have to deal with two taxes from the Federal Insurance Contributions Act (FICA): Social Security (aka the old age, survivors, and disability insurance taxes), and Medicare (the “hospital insurance” tax). For almost a century now, FICA has partly funded Social Security programs. Social Security benefits recently bumped with the big COLA are funded from the general tax base, not specifically by FICA payments. Medicare was added to paycheck withholdings in the 1960s. 

The Social Security tax has a maximum; the Medicare tax doesn’t. For 2023, the FICA tax rate for employers remains the same as this year: 7.65%, broken down into 6.2% for Social Security and 1.45% for Medicare. That makes your workers’ maximum Social Security tax $9,932.40 for 2023. 

If you’re self-employed, your Social Security tax of the full 12.4% on the first $160,200 of SE income translates into a maximum for 2023 of $19,864.80. 

Just to review… You withhold a 6.2% Social Security tax from your employees’ wages and you pay an additional 6.2% (your “employer share”) – which combined makes the full 12.4%. You as an employer also withhold a 1.45% Medicare tax from your employee’s wages, and you pay an additional 1.45% employer share for a total of 2.9%. 

As an employer, you do not pay a portion of the 0.9% Medicare surtax (aka the Additional Medicare Tax) for your high-earning workers ($200,000, for instance, for an employee who files his or her taxes using the status of Single), though you do withhold this amount when employees hit that pay threshold. And once you begin withholding that surtax, you withhold it every pay period until the end of the calendar year.

A few questions about social security payroll taxes

Compliance with FICA and employer’s taxes is nothing to fool with. Here are some good questions to ask yourself before the calendar flips.

Does one of my employees also have other jobs? Not an uncommon situation these days. You might want to check this with your workers.

Each employer must withhold Social Security taxes from that person’s wages even if the combined withholding exceeds the yearly limit. (When they file their tax return the following year, the employee can seek a credit for the extra that was paid in.)

What if my employees make tips? Employees who get 20 bucks or more in tips in a calendar month should be reporting them to you the following month. You’re responsible for withholding employee income tax and the employee’s share of FICA taxes and paying the employer’s share.

But check with us about the FICA tip credit you might get against the income taxes for FICA taxes paid on certain tip wages. 

What’s “Medicare mismatch?” This applies to that 0.9% Medicare withholding for high earners on your staff. You’re obligated to withhold that amount (but again, not pay an equal share) regardless of whether your employee will owe the surtax depending on their filing status and what their spouse makes if they’re married (and, for that matter, whether their spouse also works for your company). 

If misunderstood, this can make for over- or under-withholdings. 

How do I keep track of the changes? Your payroll software should automatically update a change this significant. Now’s the time for you to make sure, while there’s still some 2022 left.

Now changes like these can have you sitting back and wondering what to do to absorb them and work with them. 

That’s why I write to you. If you’ve got questions about the changes to social security payroll taxes or any other tax changes, give my office a call, and let’s get you up to speed.

Keeping you in the know,

Kristin Gravitt
(704) 703-7773
Kristin Gravitt, PLLC

 

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