Welcome to Seber Tans, PLC
Choosing the right accounting firm is one of the most important business decisions you will make. Any firm can add up the numbers and tell you where you’ve been, but Seber Tans will help you focus on where you want to go. In Southwest Michigan, the firm that unites professional expertise with creativity and vision is Seber Tans. With a team of experienced professionals on our staff, we can provide the capabilities of a large national organization, plus the personal attention of an independent firm. Clients choose us because we offer much more than off-the-shelf solutions. We will listen, ask questions, and learn all we can about your current situation. From that input, we’ll find creative solutions to help you focus on your opportunities rather than your obstacles. Join us and see why our clients trust us for their accounting, tax, and business advising needs.
Making the most of the new deduction for seniors
Beginning in 2025, individuals age 65 or older generally can claim a new “senior” deduction of $6,000 under the One Big Beautiful Bill Act (OBBBA). But if your 2025 modified adjusted gross income (MAGI) exceeds $75,000 ($150,000 if you’re a married joint filer), a MAGI-based phaseout will reduce (or may even eliminate) the deduction. If you’re at risk of the senior deduction phaseout, you can take steps before year end to reduce your MAGI and maximize your deduction. For example, harvest capital losses in taxable brokerage accounts to offset capital gains that would otherwise increase your MAGI. Contact us to discuss additional MAGI-reduction tips and other year-end tax planning strategies. ... See MoreSee Less
The 2025–2026 “high-low” per diem business travel rates are here
The “high-low” per diem method is a simplified way to reimburse employees who travel for your business vs. tracking actual business travel expenses. The IRS announced the 2025–2026 high-low per diem rates that became effective Oct. 1, 2025. The per diem rate for high-cost areas in the continental U.S. is now $319. For other areas, the per diem rate is $225. High-cost rates are available only part of the year in certain areas. If eligible, you can use these rates to reimburse employee expenses for lodging, meals and incidentals when traveling. Contact us if you have questions about efficient and tax-compliant travel reimbursement methods. ... See MoreSee Less
5 potential tax breaks to know before moving a parent into a nursing home
If you have a parent moving into a nursing home, taxes are probably not on your mind. However, there may be tax breaks. For example, the costs of qualified long-term care are deductible as medical expenses to the extent they, along with other medical expenses, exceed 7.5% of adjusted gross income (AGI). If your parent qualifies as your dependent, you can include medical expenses you incur for your parent along with your own when determining your medical deduction. Premiums paid for a qualified long-term care insurance contract are deductible as medical expenses (subject to limitations based on age) to the extent they, along with other medical expenses, exceed the percentage-of-AGI threshold. ... See MoreSee Less