You closed the deal. Stop handing 30%+ to the IRS.
You don't need to learn tax law, wrestle with QuickBooks, or remember a single quarterly deadline. We set up the whole system, we run it every month, and we hand you a smaller tax bill at the end of the year — built for real estate agents on 1099 commissions. You close deals. We handle the rest.
- Done-for-you, not DIY
- Built for 1099 commission income
- Owner-operator focused since 2018
Why agents overpay
You're a top producer being taxed like a hobbyist.
Most agents are running a six-figure business through a personal tax return. Here's what that quietly costs you every year.
A surprise tax bill every April
Commissions hit your personal return as 1099 income with no withholding, then self-employment tax adds another 15.3% on top. By the time your CPA calls, the money is already gone.
Filing as a sole prop on a six-figure book
Most agents never elect S-Corp status, so 100% of net commission gets hit with self-employment tax. On $200K of net production, that's tens of thousands you didn't have to pay.
Shoebox bookkeeping
Mileage in a notes app, receipts in the truck, broker splits on a spreadsheet. You can't make a tax move you can't see — and your CPA can only work with what you hand them in February.
No retirement, no real wealth plan
Top producers funnel cash into the next deal and forget the long game. Without a Solo 401(k) or Cash Balance plan dialed in, you miss tens of thousands in pre-tax contributions every single year.
The done-for-you difference
You don't need to understand any of this. That's the point.
Most agents either pay too much in tax, or they pay too much in time trying to figure it out themselves. We give you a third option: hand it over and forget about it.
What you used to do
- Stuff receipts in a shoebox and panic in March
- Google "S-Corp vs LLC" at 11pm and end up more confused
- Forget a quarterly estimate and eat the IRS penalty
- Try to set up payroll yourself in QuickBooks
- Mean to open a Solo 401(k) every year and never do it
- Pay your CPA for a return and still wonder if it's right
What you do with us
- Forward us your closing statements when they hit
- Take a 15-minute quarterly check-in (we drive)
- Sign the things we tell you to sign
- Spend the time you saved on the next listing
That's it. We do the rest — entity setup, books, payroll, retirement, quarterlies, and both tax returns. You get the savings without becoming an accountant.
What you get
Your entire financial back office, handled.
One flat annual engagement. Everything a serious agent needs to operate like a real business — and keep more of what you earn.
Entity setup, done right
- LLC formation and EIN setup in your state
- S-Corp election filed correctly and on time
- Reasonable compensation analysis so the IRS leaves you alone
Bookkeeping and payroll on autopilot
- QuickBooks Online set up around your commission flow
- Quarterly bookkeeping so your numbers are always current
- Payroll run for you — W-2 wages, withholdings, all compliant
- Annual payroll filings (W-2s, 940, 941) handled end to end
Retirement and wealth-building
- Solo 401(k) setup tailored to a 1099 producer
- Contribution strategy that maximizes pre-tax savings
- A real plan to convert commissions into long-term net worth
Tax filings, fully handled
- Annual S-Corp return (Form 1120-S) prepared and filed
- Your personal return (Form 1040) prepared in lockstep
- Quarterly estimates so April never surprises you again
How it works
Three steps. Then you stop thinking about it.
Book your free strategy call
30 minutes. We listen to your production, your splits, and what you actually want from your business — not a sales pitch.
We build your tax plan
We model your numbers, run the S-Corp math, size your reasonable comp, and show you exactly what you'll save and what we'll do.
We run it for you
Entity, payroll, books, retirement, and filings — handled. You sell houses. We handle the financial side of your business.
Proof
Agents who stopped overpaying.
"I was paying self-employment tax on every dollar of commission. Navora restructured everything — entity, payroll, retirement — and I'm keeping tens of thousands more each year, without changing how I sell. They guide me throughout the year, explain everything, and try to ensure that as the year goes, we are paying into the tax liability so that the end of the year is not a huge bill I haven't accounted for."
Benjamin W.
Real Estate Agent · RealtyOne Group · Sedona, AZ
Savings calculator
Estimate what an S-Corp could save you
Traditional (non-Roth) Solo 401(k) deferral. Reduces federal & state income tax — does not reduce SE/payroll tax.
Estimates only — not tax, legal, or financial advice.
Quick mode assumptions
- • Expenses estimated at 17.5% of GCI (excludes payroll)
- • Filing status: Married Filing Jointly
- • State: Iowa (5.7%)
- • Reasonable S-Corp comp: 40% of net profit, capped at $50K
Switch to Full for personalized inputs.
GCI
$150,000
Expenses
$26,250
Net profit
$123,750
State rate
5.70%
Sole proprietor
$29,947
- Self-employment tax$17,485
- Federal income tax$7,073
- State income tax$5,389
S-Corp
$21,483
- Payroll tax (on $49,500 wages)$7,574
- Federal income tax$8,736
- State income tax$5,174
Estimated gross savings
$8,464
per year
Net of $5K program cost
$3,464
Return on the $5K
1.7× ROI
Every $1 spent returns about $1.69.
Rough estimate for illustration only. This calculator uses simplified assumptions (2024 federal brackets, a flat state rate, a 40% reasonable-comp split capped at $50K W-2 wages, and a QBI approximation) and is not tax, legal, or financial advice. Your actual results depend on your specific circumstances. Consult a qualified tax professional before making any decisions.
Lock in your savings
Send us your numbers
Submit the form and we'll receive your contact info and your calculator results so we can come to your free strategy call ready to talk specifics.
Who we are
Navora Consulting
We're the financial backbone for owner-operated businesses. Fractional CFO-level strategy, paired with the actual bookkeeping, payroll, and tax filings — under one roof. Real estate agents are one of the groups we get the biggest results for, because most are leaving the most money on the table.
FAQ
Straight answers.
How much does this cost?+
How much of my time will this take?+
I already have a CPA. Is switching a hassle?+
Is an S-Corp actually right for me?+
What if I'm a newer agent or my income is uneven?+
Do you work with agents in my state?+
Your move
Stop overpaying. Start operating like a business.
Book a free 30-minute strategy call. We'll look at your numbers, tell you what we'd do, and show you what it's worth. No pitch, no pressure.