You will work directly with Sergiy Kuzenkov, EA, throughout the engagement. Sekov Tax Advisors is a sole-member tax practice, so your matter is not passed among multiple preparers, departments, or call-center representatives.

Sergiy oversees the initial consultation, document review, preparation, planning, explanations, communication, and next steps for every accepted engagement.

Yes. Sekov is primarily an online tax practice and can work remotely with clients throughout the United States, subject to the filing jurisdictions, complexity, deadlines, and requested services involved.

The firm is based in Warren, Michigan, and serves clients locally, but you do not need to live in Michigan to request an initial consultation.

Most meetings are conducted by secure video meeting or telephone. In-person meetings may be available within approximately 100 miles of Warren, Michigan, when the circumstances justify an in-person appointment.

Any in-person meeting must be arranged in advance and may take place at an agreed professional, public, or other appropriate location. Walk-in appointments are not available.

Sekov offers direct access to the professional responsible for your work. Sergiy remains familiar with your facts, documents, prior filings, concerns, and goals throughout the engagement.

The focus is on careful review, clear communication, and practical guidance rather than moving a client between changing preparers or promoting unrelated financial products. Client capacity is intentionally managed so accepted matters can receive appropriate attention.

No. Website information, contact-form submissions, document uploads, and introductory conversations are preliminary and do not create a professional-client relationship.

An engagement begins only after Sekov accepts the matter, the services and pricing are agreed upon, and the required engagement agreement is completed and signed by the client and Sekov Tax Advisors LLC.

Sekov currently offers:

• New Client Introductory Call — 15 minutes

• Tax Consultation — 30 minutes

• Tax Planning and Projection Session — 30 minutes

• Tax Return Review Meeting — 30 minutes

The appropriate appointment depends on whether you are exploring services, presenting a specific issue, requesting planning, or reviewing completed work.

Yes. Initial consultations are generally complimentary and are intended to understand your situation, determine whether Sekov can assist, identify the appropriate scope, and discuss the next steps.

A complimentary consultation does not include substantial research, completed calculations, a detailed tax projection, return preparation, written advice, notice response, or representation. Those services begin after the engagement scope and pricing are approved.

Yes. There is generally no fee to cancel or reschedule an appointment. Please provide notice as soon as reasonably possible so the appointment time can be made available to another client.

If you decide not to proceed with an engagement, contact Sekov promptly so the status of the work and any applicable refund can be reviewed.

Communication may take place through:

• Email

• Telephone

• Video meetings

• Secure document exchange

• Scheduled in-person meetings when appropriate

Sensitive documents, Social Security numbers, banking information, passwords, and substantive confidential tax information should not be sent through text messages, the general website contact form, or unsecured email.

Sekov generally aims to respond to client emails and calls within one business day. You may send an email at any time, but messages received during evenings, weekends, holidays, or unusually busy filing periods may be addressed on the next business day.

Urgent deadlines should be clearly identified, but acceptance and response timing depend on availability and the nature of the matter.

Pricing is based on the facts and scope of each engagement rather than a single flat rate.

Relevant factors may include:

• Return or service type

• Number of tax years

• Forms and schedules required

• Federal, state, and local jurisdictions

• Complexity of the transactions

• Condition and completeness of the records

• Research or reconstruction required

• Deadlines and urgency

• Meetings, written analysis, or representation requested

Scope and pricing are confirmed before substantive work begins.

A deposit may be required depending on the type, complexity, duration, or urgency of the engagement.

Any required deposit, payment schedule, and remaining balance will be stated in the engagement terms before work begins.

Tax-return payment is generally due after the final draft has been reviewed and approved but before the return is electronically filed, released for paper filing, or otherwise finalized.

Sekov will not file or release a completed return or report until the applicable payment requirements and signature requirements have been satisfied.

For a projection, planning report, notice review, or similar standalone service, payment is generally due before the final presentation meeting or before the completed analysis and deliverables are released.

Representation, business-return, multiyear, and other complex engagements may use different payment terms depending on the approved scope.

Sekov accepts credit cards, debit cards, and supported digital-payment methods available through the website’s payment processor.

Cash may be accepted for approved in-person arrangements. Checks and direct ACH or bank-transfer payments are not accepted at launch.

If you decide not to continue before the agreed services have been completed, please contact Sekov promptly. Any refund eligibility will be evaluated based on the status of the engagement, the work already performed, and the applicable engagement terms.

Once the agreed services have been completed and the final deliverables have been provided, professional fees are generally nonrefundable. If a correction is required because of an error in Sekov’s completed work, the correction will be addressed without an additional professional fee, subject to the original scope of the engagement. Issues resulting from information that was incomplete, inaccurate, or not provided during the original engagement will be reviewed separately and may require an additional scope and fee; any refund request will be considered based on the specific circumstances.

Typical targets begin after all requested information and readable documents have been received:

• Individual returns: approximately 7–14 business days

• Business returns: approximately 10–20 business days

• Complex, multiyear, amended, international, or notice-related matters: timing is determined individually

These are planning estimates, not guarantees. Turnaround may change based on missing information, client response time, filing-season volume, tax-law issues, agency requirements, and the condition of the records.

Sekov will review the available information and determine what can reasonably be completed without sacrificing an appropriate professional review.

When there is not enough time to complete an accurate return, an extension may be recommended. No extension will be filed without the client’s knowledge and authorization. An extension generally provides additional time to file, not additional time to pay any tax due.

Yes, subject to an initial review.

The number of years involved, availability of tax documents, condition of the records, prior filing history, agency notices, and possible balances or refunds must be evaluated before the engagement is accepted.

Additional documents or account research may be required during the information-gathering process.

Yes. Each tax-return client receives an opportunity to review the result and discuss the applicable refunds, balances due, filing instructions, payments, remaining questions, and next steps.

Additional meetings may be available. Meetings involving new analysis, substantial changes, new tax issues, or work outside the agreed scope may require an additional fee, which will be discussed in advance.

Clients generally receive a completed filing package that may include:

• Final federal and state tax returns

• Refund or balance-due summary

• Filing and payment instructions

• Estimated-tax information when applicable

• Signature or authorization forms

• Relevant next steps

• Copies for the client’s records

The exact contents depend on the return and filing method.

Electronic filing is used when available, permitted, and appropriate.

Before filing, the client must review the return, approve the final result, complete the required authorization forms, and satisfy the engagement’s payment terms.

Yes. Paper filing may be used when electronic filing is unavailable, prohibited, rejected, or otherwise inappropriate.

Client signatures will be required. Remote clients will receive detailed filing instructions. When local arrangements are appropriate and all required materials have been provided, Sekov may assist with preparing the mailing package.

Sekov will identify missing or unclear information during the review process. A return or service cannot be finalized until the information considered necessary for accurate and compliant completion has been received.

Missing, inconsistent, or unreadable records may delay the engagement and may require additional review or revised pricing if they materially change the original scope.

Clients receive access to a private document-exchange process for uploading and organizing tax records.

The general website contact form should be used only for basic introductory information. Secure document instructions are provided separately after the matter is reviewed.

Do not send the following through ordinary email, text message, or the general contact form:

• Social Security numbers

• Taxpayer identification numbers

• Bank account or routing information

• Passwords or access credentials

• Full tax returns

• W-2s, 1099s, K-1s, or similar sensitive documents

• Identity documents

• Confidential business records

Use the secure document method provided for your engagement.

PDF copies are preferred whenever possible.

Clear photographs may be accepted when the entire document is visible, readable, properly oriented, and free from glare, shadows, cropping, or obstruction. Unreadable or incomplete images cannot be used and will need to be replaced.

Upload complete documents and identify the applicable taxpayer, business, tax year, and category when it is not obvious.

Avoid submitting repeated screenshots, partial pages, duplicate files, or unrelated records without explanation. Organized submissions can reduce delays and unnecessary follow-up.

Clients should retain their final tax returns, supporting documents, payment confirmations, correspondence, and other important records for their own files.

The appropriate retention period depends on the type of return, transaction, asset, carryover, ownership interest, and possible federal or state requirements. Some records—such as asset basis, real-estate documents, entity records, or retirement-account information—may need to be retained for substantially longer than ordinary annual tax documents.

Sekov uses reasonable administrative, technical, and physical safeguards designed for a remote tax practice, including controlled access, secure document workflows, confidentiality procedures, and appropriate security practices.

No electronic system can eliminate every risk, so clients must also use the designated secure channels and avoid transmitting sensitive information through unsecured methods.

Sekov prepares federal and applicable state individual income tax returns, including selected matters involving:

• W-2 wages

• Interest and dividends

• Retirement distributions

• Social Security income

• Investments and capital gains

• Equity compensation and RSUs

• Rental-property activity

• Self-employment

• Schedule K-1 income

• Estimated payments

• Multistate income

• Nonresident or dual-status matters

• Amended returns

Acceptance depends on the facts, records, deadlines, and complexity involved.

Business-return services may include:

• Sole proprietors and Schedule C businesses

• Single-member LLCs

• Partnerships filing Form 1065

• S corporations filing Form 1120-S

• C corporations filing Form 1120

• Applicable state business returns

• Coordinated business-and-owner tax packages

Partnership, corporate, multistate, and other complex business matters require an initial review before acceptance.

Selected estate and trust income tax returns filed on Form 1041 may be accepted after an initial review.

The governing documents, fiduciary accounting information, income, distributions, beneficiaries, tax years, and complexity must be evaluated before the scope can be confirmed. Estate-tax returns, gift-tax returns, legal trust administration, and estate-planning documents are not automatically included.

As a condition of accepting a Form 1065, 1120-S, or 1120 engagement, Sekov generally requires complete year-end financial information, including:

• Profit-and-loss statement

• Balance sheet

• General ledger or detailed transaction support when requested

• Prior-year tax return

• Ownership information

• Fixed-asset and depreciation records

• Payroll information

• Contribution and distribution information

• Relevant state records

Sekov may require a complete profit-and-loss statement and balance sheet even when all balance-sheet information is not required to appear on the filed tax return.

Sekov will identify apparent inconsistencies and request corrected information.

The client remains responsible for providing complete and accurate books, financial statements, classifications, ownership information, and supporting records. A business return cannot be finalized using financial information that is materially incomplete, unreliable, or internally inconsistent.

Sekov does not currently provide ongoing bookkeeping, transaction entry, monthly account reconciliation, or routine accounting-data cleanup.

Tax-return review may include evaluating financial statements and identifying items that require correction, but the client may need to correct the records or engage a bookkeeper before the tax return can be completed.

Sekov does not currently provide routine payroll processing or prepare ongoing Forms 941, 940, or similar payroll filings as a standalone service.

Payroll reports and filings may be reviewed when relevant to an income-tax return, officer-compensation issue, or business-tax engagement.

Sekov may assist with selected federal tax-registration and business-startup matters, including EIN applications and tax-focused startup guidance.

Services are limited to tax and administrative assistance within the firm’s professional scope. Sekov does not provide legal advice, draft legal organizational documents as legal counsel, determine liability protection, or replace an attorney, licensed financial professional, insurance professional, payroll provider, or registered agent.

Planning engagements may address:

• Current-year tax projections

• Federal and state estimated payments

• Paycheck withholding

• Form W-4 considerations

• Retirement distributions

• Required minimum distributions

• Roth conversions

• RSUs and equity compensation

• Capital gains and losses

• Self-employment income

• Business-owner planning

• Multiyear projections

• 529 education planning

• Major transactions

• State moves

• Year-end strategies

• Tax-aware cash-flow and debt-paydown scenarios

The appropriate analysis depends on the client’s facts and goals.

Yes. A planning engagement generally includes a written report or organized presentation summarizing the facts reviewed, assumptions used, calculations, projected results, scenarios considered, recommendations, and applicable next steps.

A meeting is also provided to explain the findings and answer questions within the agreed scope.

The planning period is based on the client’s needs.

A projection may cover the current year, multiple years, retirement years, a proposed transaction, a business change, or another defined period. Longer or more complex modeling may require additional assumptions, records, and fees.

Yes, within a tax-focused scope.

Sekov can model how income, taxes, estimated payments, deductible or nondeductible interest, retirement activity, and major payments may affect different scenarios. This service is educational tax analysis and cash-flow modeling—not lending advice, investment management, legal advice, or comprehensive financial planning.

No. Projections are estimates based on the information, assumptions, tax rules, and expected events available at the time of the analysis.

Actual results may change because of income fluctuations, investment activity, business results, tax-law changes, withholding, payments, deductions, credits, residency, or other facts.

Possibly. Filing a return addresses a completed tax year, while planning looks ahead.

Planning may be useful after a job change, business launch, large bonus, RSU vesting, retirement decision, state move, property sale, significant capital gain, Roth conversion, major distribution, or unexpected balance due.

Accepted matters may include:

• IRS and state notice review

• Tax-account transcript research

• Payment verification

• Penalty-abatement requests

• Refund claims

• Amended returns

• Unfiled prior-year returns

• Payment-plan assistance

• Identity-verification notices

• Business tax notices

• Written responses

• Follow-up with tax agencies

Each matter requires an initial review before acceptance.

Yes. Representation, agency communication, transcript research, notice responses, and continuing follow-up are separate services unless specifically included in another engagement.

When appropriate, the client may need to sign Form 2848, Power of Attorney, or another federal or state authorization.

Sekov does not currently accept audit or examination representation as a standard service.

Sekov may review correspondence, explain the issue, organize relevant tax information, or assist in identifying the appropriate next professional. Acceptance of any limited audit-adjacent assistance must be confirmed separately in writing.

No. Tax-agency outcomes depend on applicable law, account history, deadlines, agency procedures, documentation, facts, and the agency’s determination.

Sekov can evaluate the available information, prepare an appropriate request or response within the engagement scope, and provide professional follow-up, but no particular result can be guaranteed.

Selected federal or state payment-plan matters may be accepted after reviewing the account, balances, filing compliance, deadlines, and available financial information.

The client remains responsible for making required payments and complying with the terms imposed by the tax agency.

Possibly, subject to availability and an immediate initial review.

Urgency does not guarantee acceptance. Sekov must first determine whether there is enough time, information, and professional capacity to complete the agreed work appropriately. Any expedited scope or fee will be approved before work begins.

Sekov will explain what has changed and whether a revised or additional engagement is required.

No material additional service or fee will be added without prior notice and approval. Work outside the agreed scope may be paused until the revised terms are accepted.

Selected services may include:

• Form 1040-NR

• Dual-status individual income tax returns

• FBAR / FinCEN Form 114

• Form 8938

• Form 3520

• Form 3520-A

• Foreign tax-credit reporting

• Foreign financial-account reporting

• Multistate residency and allocation matters

Every international engagement requires an initial review before acceptance.

International reporting can vary significantly based on citizenship, residency, immigration status, entity ownership, account types, maximum balances, transactions, source of income, treaty issues, and filing history.

The initial review determines whether the matter falls within Sekov’s accepted scope and whether additional information or another specialist is needed.

Foreign gifts, foreign inheritances, and related reporting are not currently offered as a routine standalone service.

If such facts are connected to another potential engagement, Sekov will review the general circumstances and determine whether the matter can be accepted, requires specialist involvement, or should be referred elsewhere.

Complex treaty analysis is not currently offered as a routine standalone service.

Limited treaty-related facts may be identified during the initial review, but specialized treaty interpretation may require referral to a professional whose practice is focused on the relevant country and issue.

Yes. Highly specialized matters may be declined depending on complexity, experience requirements, available records, deadlines, and professional scope.

Examples may include certain foreign corporations or partnerships, complex foreign trusts, expatriation, extensive treaty analysis, or other specialized information-return matters. Acceptance is never assumed until the engagement is approved.

An Enrolled Agent is a federally authorized tax professional who has demonstrated tax competence through the IRS enrollment process and is permitted to practice before the IRS within the applicable rules.

Sergiy Kuzenkov, EA, focuses on tax preparation, complex return review, tax planning, amended filings, IRS and state matters, and taxpayer representation within the firm’s accepted scope.

Both Enrolled Agents and CPAs may provide valuable tax services, but the credentials are different.

An Enrolled Agent’s credential is specifically centered on federal taxation and practice before the IRS. A CPA is licensed by a state board and may work in tax, accounting, audit, financial reporting, or other areas depending on the individual’s practice.

The most important considerations are whether the professional has relevant experience, understands the matter, communicates clearly, and is willing to accept responsibility for the agreed scope.

No. Sekov provides tax preparation, tax analysis, tax planning, administrative assistance, and tax-agency support within the firm’s professional authority.

Legal questions involving contracts, entity law, liability, estate documents, litigation, immigration, marital rights, or other legal rights should be addressed by a qualified attorney.

No. Sekov does not provide investment-management recommendations, securities advice, insurance recommendations, lending advice, or comprehensive financial planning as part of a tax engagement.

Tax planning may consider the tax consequences of investments, retirement distributions, equity compensation, debt payments, or other financial decisions, but it does not replace advice from an appropriately licensed professional.

No. Sekov’s tax engagements are not structured around selling investment, insurance, lending, or similar products.

Recommendations are limited to the approved tax scope and are intended to help clients understand tax consequences, filing responsibilities, available options, and next steps.

Clients are responsible for:

• Providing complete and accurate information

• Reviewing submitted documents and final work

• Responding to requests within a reasonable time

• Disclosing relevant income, accounts, transactions, notices, and prior filings

• Maintaining supporting records

• Approving returns and authorizations before filing

• Making tax payments directly to the appropriate agencies

• Informing Sekov when facts or circumstances change

Sekov may rely on the information provided unless further verification is included in the engagement.

Yes. Sekov may decline or discontinue a matter when it falls outside the firm’s accepted scope, cannot be completed appropriately, involves incomplete or unreliable records, presents an unrealistic deadline, requires a credential or specialty not offered, or raises compliance or professional-conduct concerns.

A matter may also be declined if the client does not provide required information, requests an unsupported tax position, or does not agree to the engagement terms. Any applicable refund will depend on the engagement status and work already completed.

If an error resulted from Sekov’s own work, it will be reviewed and corrected without an additional professional fee for the correction itself.

This does not apply when the issue results from incomplete, inaccurate, late, or previously undisclosed client information; a later change in facts or law; an agency adjustment; or a matter outside the original engagement.

Share a brief description of your tax situation. Sekov will review your request, determine whether the matter fits the firm’s services, and explain the appropriate next step before work begins.

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Please do not include Social Security numbers, banking information, passwords, or tax documents in the general contact form. Secure document instructions will be provided separately.