OliRam AdvisorsGuidance on accounting, tax strategy, and running a financially healthy business, from our team in Miami.
Armando Ramirez5 min read
Self-employed and paying for your own health insurance? See how the self-employed health insurance deduction, HSA contributions, and ICHRA stack together, and which ones actually fit your business.
Armando Ramirez6 min read
Miami home sellers are hitting the $250,000/$500,000 home sale exclusion caps that haven't moved since 1997. Here's how tracking basis and improvement records can keep thousands of dollars out of the IRS's hands.
Armando Ramirez5 min read
Florida boat, yacht, and aircraft owners face tax rules beyond the $18,000 cap: use tax deadlines, nonresident exemption traps, slip and hangar tax, and repair caps.
Armando Ramirez6 min read
Crypto tax reporting has teeth now. Here is what Form 1099-DA reports, how wallet-by-wallet basis works, and what your exchange sends the IRS in 2026.
Armando Ramirez7 min read
Tips and overtime deductions explained for Miami: the $25,000 and $12,500 caps, new 2026 W-2 codes, service charge traps, and the records to keep now.
Armando Ramirez5 min read
FIRPTA withholding takes 15% of the gross sale price when a foreign owner sells Miami real estate. Here are the rates, the exceptions, and how to reduce it.
Armando Ramirez6 min read
Miami investors misread the short-term rental tax rules every year. Here is how the average-stay test and material participation hours let an Airbnb offset W-2 income when a long-term rental cannot.
Armando Ramirez3 min read
The same $600 of continuing education costs a self-employed professional $364 and a W-2 employee the full $600 — unless the course runs through a school that issues a 1098-T, which is what makes it eligible for the Lifetime Learning Credit.
Armando Ramirez8 min read
Traditional 401(k) and IRA contributions come straight out of the income figure the IRS checks against the education credit cutoffs. Missing the $90,000 single-filer line by $1,500 can cost a $2,000 credit that a $2,000 IRA contribution would have saved.
Armando Ramirez3 min read
Learn how the home office deduction works in 2026, who qualifies, and how young entrepreneurs and self-employed founders can legally write off rent, utilities, and more.
Armando Ramirez4 min read
A 1031 exchange doesn't erase the tax on an investment property sale, it postpones it. On a $2,000,000 sale, that deferral leaves an extra $240,000 compounding for you instead of the IRS, worth roughly $430,000 after ten years.