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Our Financial Services

We take pride in the financial services we offer our clients. Our goal is to help you maximize your financial situation for the short, mid and long term basis. We support entrepreneurs and are open to hearing about investment opportunities as well. You can receive solid financial advice.

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Refund Planning

Refund planning has now become the key to a successful tax return, taking much of the uncertainty away from your taxes. Tax planning is not for everyone – many people are fine with their annual results and honestly don’t need our services. However, if you need $5,000, $10,000, or even $15,000 for next year or multiple years, you are at the right place.

As a Ty Associates client in good financial standing with us, you can become a premium tax client, where we can plan your refund for $750 (in addition to tax prep fees). For only about $2 a day, you can get down payment money for a car, pay for that family vacation, invest in your financial portfolio on and on!

We can plan to get your finances in order by the end of the year – or prepare for future years. The months of September through December represent the best time to begin to consult with us to put the plan in place. Keep in mind that successful tax planning often involves sacrificing something for a greater prize in the end.

Check for Outstanding Government Debts

Before any refund is distributed, the government checks to see if you owe: (1) child support, (2) student loans, and (3) back taxes, in that order. If you are in this situation, you will have to pay for your tax preparation directly out-of-pocket since the government will not respect our tax preparation fees and will take out of your refund the money that is required to satisfy those debts. Some clients jump from preparer-to-preparer because the previous preparer has not been paid due to tremendous debts. We have to protect our interests. Note: You don’t work for free and neither do we. You can call the financial management offsets at 800-304-3107 to determine if you have any outstanding government debts that you have defaulted on. This is a 24-hour hotline.

Call us at 914-667-4660 or toll-free at 800-219-4885

Refund Planning Pricing

If you are interested in working with Ty Associates, please be prepared with your previous year(s) tax returns (two years) and that our fee is $1,500. Our current clients receive a 50% savings on refund planning services. However, if you are not our client and don’t plan to be one, this is fine. We can still offer our refund planning services to you at $1,500, and you can continue to do your taxes yourself or use the same tax preparation business that you have used before. We understand the changing nature of tax preparation, and we have made our adjustments, as well.

Refund tax planning is not an exact science, but we can get you in the general vicinity of your stated goals. It usually involves quarterly reviews of your finances to make sure that we remain on the right path or make course corrections for one reason or another.

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Offer & Compromise FAQs

What is an offer & compromise?

An offer and compromise is a deal that you make with the internal revenue service to significantly reduce a huge debt to the federal government. Much of the debt consists of late penalties and interest.

What are some major contributing factors to an offer and compromise?

Some of the major contributing factors to an offer and compromise are your overall debt, the number of years the debts have been incurred, and your ability to pay a percentage of the debt in either six months or 24 months. The best deals are usually when you can give a lump sum payment within six months. Often your overall debt can be reduced down to as little as 20%.

What is the federal government’s point of view?

The federal government is like any business that has accounts receivables and would like to get something rather than receiving nothing.

How does the 24-month payment plan work?

The 24-month payment plan is usually settled for about 25-30% of the overall debt. You will be encouraged to beg and borrow the funds to get you out of debt.

How do you get started?

You can start by going to and using their offer and compromise pre-qualifier to determine if you are eligible based on income, expenses, etc. Then, you will complete the offer and compromise pdf booklet that you can type in directly on the computer screen, print out, sign, and mail in. It may be best to have your monthly payments direct debit from your account on the appointed day.

Extra Tip: You can send in your payments without the IRS fully acknowledging and/or accepting your offer and compromise. It may take 2-3 months to consider your offer. Meanwhile, you are expected to continue to pay, and then the decision to accept is made somewhere along the line. If your offer and compromise are not accepted, then those payments will go down as simply payments to your overall debt.

Have a question about offer & compromise?

Amended Returns

In as little as five minutes, we can ask you all of the critical questions about your past tax return(s) to determine whether we can correct your past returns and/or make you some money!

You have two years to make changes to a pre-existing return. If data was inputted into your return incorrectly and/or you forgot to enter some tax materials such as W-2, dependent information, unemployment compensation, interest, dividends, etc., it might be best to do what is known as an amended return. Sometimes, you may not have maximized your tax returns. Therefore, we can give you a free phone consultation to determine if an amended return is necessary or even worth it in terms of tax preparation cost versus what you will be receiving in the form of a refund.

About 90% of the people get or come very close to maximizing their returns. However, there is 10% who fall short and have been falling short for years. More than likely, they do their returns themselves and settle for the lesser refund results just as long as they don’t owe the government.

If you lost $500 per year for the past eight years, that would equal $4,000. Why continue to give it to the government when it is your money?

We have over 100 customer testimonials

How It Works

Step One

The first step is to schedule a phone consultation with us. Please have copies of your past two years’ returns near you when you call since we may have to ask you some critical questions from your return. If we determine that there is an opportunity for extra money, then we will ask you to email us copies of the returns. Sometimes all we need are the base forms for your federal and state returns, respectively.

Also, you can go to and request actual transcripts of the year(s) that we are inquiring about. However, this will only give transcripts for the federal portion of the return. You will have to contact your respective state for the state transcripts. It may be best to contact all of the employers to see if you can be sent copies of your w-2’s and other critical tax materials from all of the tax sources that you were involved with for that particular tax year.

Step Two

The second step is that we will review your paperwork for each tax year and determine your refund(s) and our tax preparation fees. Amended returns can take up to 16 weeks to process from the date of acceptance by the governmental entities. Your payment will come in a paper check at the address that we type in. So, please make sure the address is accurate and current to avoid delays, etc. Also, the government will now pay you interest as of April 15th of the original due date of the return(s), usually at a 4% interest rate.

Checking On Your Return’s Status

You can check on the status of your amended returns via telephone at 800-829-1040. You will get voice prompts that will indicate when to type into your telephone’s keypad, your nine-digit social security number, your exact date of birth, and your zip code that was used on the return. You will hear the number of years that you have filed an amended return for, then you will be prompted to choose which year you would like information for, and you will be told the date of acceptance and given a projected date when your check will be or has been issued. You can also go to and type in the same information.

How Long You Have to File

You have three years to file a tax return and two years to make changes, hence the amended returns. However, if you have outstanding government debts such as child support, student loans, and/or back taxes, the government will still allow you to file your taxes, but any refund will go to pay down these debts. The two-year window is open wider for people in this position, so if you or someone you know, has not filed for years because these entities will take their refunds, etc., encourage them to file and reduce the debt. Maybe when all of those years are filed, it will get them out of debt and back to normal filers.

All of our amended returns fees will have to be paid out-of-pocket. Therefore, no fees are deducted from these returns. We accept debit/credit cards, checks, and money orders.

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Venture Capital

You can be treated as an entrepreneur or treated like manure, the choice is yours! The sweet smell of success lies in planning, opportunity, and some luck among other things.

Venture capital represents, in many instances, the start-up capital that is required to start and/or expand a business. The average bank would have trepidations about funding based on many factors. The venture capitalist may be a serial entrepreneur that is looking to fund many businesses with the hope that all or many will become something special.

As your private equity firm, you get an investor, a partner with an established nationwide clientele base that can help you in small markets and well as the large markets. If you have the “right stuff” we will surely know it. Wisdom, Knowledge and Understanding are virtues in life and business. Together, we will whip them all from the Shah to the Czar, the Fu-Manchu the Prime Minister, too! Let’s make history. 


The Deal Breaker

 Like people, venture capitalists are all different. For us, it starts with great credit. Credit and character go together like soap and water. Then, it’s the idea/concept, etc. Poor credit is a deal-breaker for us. If you can’t handle or manage your own money, what are you going to do with ours? For your information, the prison’s are filled with people who have no credit and/or poor credit.

If you have a business plan or idea and need funding, Ty Associates would love to help you bring your dreams to fruition. Microsoft, Apple computers, and Ferrari all had to start from somewhere. Let’s make history. Harness the power of our network! No matter how big or small, we may be able to jump-start your business.  

The Stages of a Sale

  • The pre-approach
  • The approach
  • The presentation or demonstration
  • Overcoming objections
  • The close

The stages of the Customer’s Mind

  • Attention
  • Interest
  • Desire
  • Conviction

The Three Elements of a Sale (In No Particular Order)

  • Communications
  • Benefits
  • Relationships
A thorough understanding of the aforementioned items will give all parties involved the ability to put their best foot forward.

For assistance, please call our office at 914-667-4660, or send us a message and we will be in touch.

Ty Associates
728 S 4th Ave
Mt. Vernon, NY 10550
Business Hours
Monday – Friday
9:00 AM to 7:00 PM
Get In Touch

Phone: 914-667-4660

Toll-Free Number: 800-219-4885


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