– days left to lock in 2026 tax savings. Most strategies close on Dec 31. Reserve a planning slot →
★★★★★ 5.0 on Google (30 reviews) Plano · Austin · Boston · Chicago · Washington, DC
(917) 397-1288 Free strategy call
Proactive tax planning · Plano, TX

Cut your tax bill by up to 90%.*

Most CPAs record what happened. We plan what happens next. Year-round tax strategy, preparation, CFO guidance and bookkeeping for physicians, insurance executives and homecare owners.

Get my free tax savings review → Take the 60-second snapshot
CPA-led, not outsourced Fixed-fee quote before work starts No-obligation call
Planning worksheet · TY 2026Sample
  • ✓Entity & reasonable-comp reviewS-Corp
  • ✓Retirement plan designCash balance
  • ✓Real estate & depreciationCost seg
  • ✓Credits & deductions sweepAccountable plan
Tax liability after planning−90%
Best case shown*Before planning
5.0★
Average rating across 30 Google reviews
25 yrs
Finance leadership, incl. CFO roles in medical
4
Services under one roof: plan, file, CFO, books
5
Offices: Plano, Austin, Boston, Chicago & Washington, DC
Who we serve

Three industries. Deep, not wide.

A generalist firm learns your industry on your dime. We already know how physicians are paid, how agency commissions land and how homecare reimbursement lags. That's where the savings hide.

Medical professionals

Physicians, dentists, specialists and group practice owners.

  • Cash-balance and 401(k) plans sized to your income
  • Practice entity, payroll and partner buy-in structure
  • Medicare cost reporting and payer-mix reporting
Book a physician review →

Insurance executives

Agency owners, producers, MGAs and carrier executives.

  • Quarterly estimates built around commission timing
  • Deferred comp, bonuses and equity planning
  • Book-of-business purchase or sale tax structure
Book an agency review →

Homecare professionals

Non-medical homecare, home health and hospice agency owners.

  • Caregiver payroll, overtime and margin tracking
  • Cash forecasting around Medicaid / VA reimbursement
  • Home health / hospice cost reports and audit-ready books
Book a homecare review →
Our commitment to you

Six promises we make to every client.

Great tax work starts with how you're treated. These are the standards every R. Osman CPA client can hold us to, from the first call onward.

Financial charts and a calculator on a desk

Clear, fixed-fee pricing

You receive a written quote and approve the scope and price before any work begins. The price you agree to is the price you pay.

A reply within one business day

Every call and email gets an answer by the next business day, all year long, including peak tax season and after your return is filed.

Direct access to your CPA

Your first conversation is with Ryan Osman, CPA, and he stays involved in your work. You'll always know who to call.

The same team, year after year

Continuity matters. The people who learn your business and your history are the people who keep working on it.

Accuracy you can stand behind

Every return goes through a two-step review and a walkthrough with you before filing. If an IRS letter arrives on a return we prepared, we handle it.

Planning before the deadline

We meet before December 31 so your strategy is in place while it can still change the result, then review it with you every quarter.

Hold us to it. Your first strategy call is free.

Book my free strategy call →
Services

Plan it. File it. Run it. Track it.

Four services that work as one system. Clean books feed accurate planning, planning shapes the return, and CFO guidance turns the numbers into decisions.

Service 01Year-round

Tax planning

Reduce your tax liability by up to 90%.*

A written, multi-year strategy built around your income, entity and goals, revisited each quarter so it keeps working as life changes.

  • Entity selection
  • Retirement plan design
  • Cost segregation
  • Augusta rule
  • Accountable plans
  • Charitable bunching
Get my savings review →
Service 02Compliance

Tax preparation

Accurate, on-time returns that keep you compliant.

Individual, business, trust and multi-state returns. Two-step CPA review, a secure portal for documents and a clear walkthrough before you sign.

  • 1040 / 1120-S / 1065
  • Multi-state
  • Extensions
  • IRS notices
  • BOI filings
Get a fixed-fee quote →
Service 03Strategy

Fractional CFO

Better decisions, stronger cash flow, more wealth.

CFO-level guidance for $1M to $7M businesses without a full-time salary: forecasts, KPIs, pricing, financing and growth plans you can act on.

  • 13-week cash forecast
  • KPI dashboards
  • Budgets
  • Lender packages
  • Grant projections
Talk to a CFO →
Service 04Foundation

Bookkeeping

The building block for accurate planning.

Monthly reconciled books, payroll coordination and a close you can count on. Planning is only as good as the numbers underneath it.

  • Monthly close
  • Reconciliations
  • Payroll review
  • Clean-up / catch-up
  • QuickBooks
Fix my books →

Every year without a plan is money you can't get back. – days left in 2026.

Book my free strategy call →
Tax savings snapshot

See which strategies fit you in 60 seconds.

Four questions. No email needed to see your result. Then bring it to a free call and we'll put numbers on it.

4questions about your profession, income, entity and assets
8common strategies we check for every new client
30minutes on the free call to review your results with a CPA
Savings snapshotStep 1 of 4
How we work

Four steps from first call to real results.

STEP 01

Analyze

A free 30-minute call, then a deep look at your returns, books and goals.

STEP 02

Advise

We show which strategies apply, what each could save and what it costs. Fixed fee, in writing.

STEP 03

Strategize

We implement: entity changes, plans, bookkeeping and a deadline calendar built for you.

STEP 04

Achieve

Quarterly check-ins keep the plan working. Your return reflects the savings.

Start with step 01: free call →
Client reviews

Rated 5.0 by 30 clients on Google.

Real words from real clients, unedited except for length.

5.0
★★★★★30 Google reviews · R. Osman, CPA · Plano
Video testimonial · 51 sec

"How Ryan Osman saved me thousands."

Crawford AgencyGoosehead Insurance

An insurance agency owner explains, in his own words, what changed when he started working with Ryan.

Get the same review for my business →
Read them on Google ↗ Become our next 5-star client →
Ryan Osman, CPA, MBA, Managing Partner of R. Osman CPA
Ryan Osman, CPA, MBAManaging Partner
Meet your CPA

A former CFO who now sits on your side of the table.

25 yrsleading finance teams
4industries as CFO, incl. medical
CPA · MBAlicensed in Texas

Before founding R. Osman CPA, Ryan spent years as a Chief Financial Officer in medical, real estate, nonprofit and software companies. He started the firm to close the gap between reactive tax work and proactive financial leadership.

Today the firm serves business owners with $1M to $7M in revenue and high-earning professionals from offices in Plano, Austin, Boston, Chicago and Washington, DC, with remote service nationwide. Every engagement is led by Ryan, supported by a team that includes Partner Durgesh Pandey, ACCA.

ResourcefulnessReliabilityFlexibilityPersistenceIntegrity
Durgesh Pandey, ACCA
Durgesh Pandey, ACCAPartner
Anjali Sharma
Anjali SharmaFinance Manager
Parwinder Singh
Parwinder SinghAccounting team
Book a call with Ryan →
Learning Center

Tax and finance guides for your industry.

Browse the Tax FAQAll articles →
FAQ

Questions before you call.

Still unsure? Ask on the free call. It's 30 minutes and there's no obligation.

Ask Ryan directly →
Is "up to 90%" realistic for me?

It depends on your income, entity and what you're willing to implement. Our biggest reductions come from combining entity structure, retirement plans and real estate depreciation for high earners. On the free call we'll tell you plainly which strategies apply to you and which don't.

How much do your services cost?

Every engagement gets a fixed-fee quote in writing before work begins. Planning fees are scoped to the savings opportunity, so the plan should pay for itself several times over. If it won't, we'll tell you.

Do I have to come to the Plano office?

No. Many clients work with us entirely online through our secure portal and video calls. If you prefer in person, we meet at any of our five offices: Plano, Austin, Boston, Chicago or Washington, DC.

It's already October. Is it too late for 2026?

No, but the window is closing. Many strategies, such as retirement plan setup, equipment purchases and entity elections, have to be in place by December 31. The earlier we meet, the more options you have.

Can you take over from my current CPA mid-year?

Yes. We handle the transition: prior returns, books and open items. Most clients are fully onboarded within two weeks.

Do you work with clients outside Texas?

Yes. We serve clients nationwide and prepare multi-state returns.

Free 30-minute strategy call

Find out what you're overpaying before Dec 31.

Pick a time on Ryan's calendar. It takes under a minute, and you'll get an email confirmation right away.

  • A quick review of your last return for missed savings
  • Which strategies fit your profession and entity
  • A fixed-fee quote if you want our help. No pressure if you don't.
Call: (917) 397-1288
Email: info@rosman-cpa.com
Offices: Plano · Austin · Boston · Chicago · Washington, DC See addresses ↓

Book your free 30-minute strategy call

Pick a time that works for you. You'll get a confirmation by email right away.

Prefer to talk now? Call (917) 397-1288 or email info@rosman-cpa.com.

Call Free strategy call