Self-employed photographers leave money on the table every year without professional tax guidance. Here is what a good CPA does for a photography business and how to find one.
Disclaimer: This article is for general informational purposes only and does not constitute professional tax or financial advice. Consult a licensed CPA or tax professional for guidance specific to your situation.
A CPA (Certified Public Accountant) is not just someone who files your taxes once a year. A good CPA who works with self-employed creatives will:
As soon as you have meaningful photography income. The cost of a CPA -- typically $300-$800 per year for a straightforward self-employed return -- is almost always less than the deductions they find that you would have missed. Waiting until you are "big enough" means leaving money on the table every year in the meantime.
Look for a CPA who understands or is willing to learn the specifics of creative business taxation: self-employment tax and the SE tax deduction, the home office deduction (exclusive-use requirement), Section 179 equipment expensing, depreciation on gear, sales tax applicability on photography services in your state (this varies significantly by state), and retirement account contributions for the self-employed.
Ask in photography Facebook groups or local business owner communities for CPA recommendations. Look specifically for CPAs who specialize in creative professionals, freelancers, or small businesses rather than a general-practice CPA who rarely handles self-employment income. A CPA who knows your industry will catch things a generalist misses.
Come prepared with: prior year tax returns (at least two years), a summary of this year's income and expenses, a list of major equipment purchased, and any 1099 forms you have received. The more organized you are, the less time you pay for in billable hours.
A bookkeeper records and categorizes your transactions. A CPA analyzes them, advises on strategy, and prepares your tax returns. If your volume of transactions is high, you may need both: a bookkeeper to maintain clean monthly records and a CPA to review them and handle taxes. For most photographers starting out, a CPA alone is sufficient.
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