Author Archives: cozbycpa

About cozbycpa

Heather L. Cozby is a CPA on the South Shore and Cape Cod. The managing partner of Cozby & Company, LLC, Heather has the resources and experience necessary to provide quality professional services on a timely basis and at a reasonable cost. She specializes in tax planning & preparation; audit, review & compilation services; management advisory services; bookkeeping; and accounting. Her unique niche is in working with homeowners’ associations and condominium trusts, advising with rental real estate, and providing outsourced financial consulting for mid-sized companies. She is more entrepreneurial than most accountants, and offers the best of both worlds - providing the services of a larger firm while retaining the ability to connect with her clients on a personal level.

Paycheck Checkup

Approximately one year ago the tax laws went through some significant changes. These changes, which went into effect in 2018, have a direct impact on the amount of federal taxes withheld from your paycheck. The IRS encourages everyone to do … Continue reading

Posted in IRS, Payroll, Personal Finance, Planning Strategies, Tax Tips, Taxes | Tagged , , , , , , , , , , , , , , , , ,

Tax Credits Help Offset Higher Education Costs

The following article was published by the IRS. Taxpayers who pay for higher education in 2018 can see tax savings when they file their tax returns. If taxpayers, their spouses or their dependents take post-high school coursework, they may be … Continue reading

Posted in American Opportunity, Education, IRS, Lifetime Learning, Personal Taxes, Tax Credits, Tax Tips, Taxes | Tagged , , , , , ,

How to Retire Earlier

A pretty accurate definition of retirement is doing what you want when you want to do it. In other words, it’s when you are able to start living life on your terms financially. The amount of time to reach this … Continue reading

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Resources on Help All Taxpayers Understand Tax Reform

The following article was published by the IRS. is a great place for taxpayers to visit when they have questions about the Tax Cuts and Jobs Act. The legislation, which was passed late last year, includes changes to many … Continue reading

Posted in IRS, Planning Strategies, Self-Employed, Tax Law Changes, Tax Tips, Taxes | Tagged , , , , , , ,

What is An Annuity?

What is an annuity? An annuity is an investment product that pays out a steady stream of income over time during retirement. When you purchase an annuity, usually from an insurance company, you agree to make a lump sum payment … Continue reading

Posted in Investing, IRA, Personal Finance, Planning Strategies, Tax Tips | Tagged , , , , , , , , , , , , , , , , , ,

Retirees Can Visit for Helpful Tools and Resources

The following article was published by the IRS. Retirement can affect someone’s tax situation. Anyone who has retired recently — or who plans to retire soon — can visit for information that can help them prepare for filing their … Continue reading

Posted in IRS, Personal Finance, Personal Taxes, Retirement, Social Security, Tax Tips, Taxes | Tagged , , , , , , ,

How Stores Get You to Spend

Whether it’s clothing, groceries, electronics, or home goods, odds are that you spend more than you should when you go into a store. Why is this? It’s simple marketing. Stores are experts in running promotions and sales that get us … Continue reading

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