Individual Tax Prep
Professional preparation for personal tax returns involving 1099 income, deductions, credits, and state filing obligations, with pricing based on return size and complexity.
Understanding 1099 state tax forms can be challenging when income comes from freelance work, contract payments, multiple states, or business reporting obligations. F.I.C. helps individuals and businesses organize records, identify deductions, prepare accurate filings, and stay compliant with evolving state tax requirements, backed by over 35 years of financial consulting experience.

Comprehensive tax and compliance support for 1099 earners, businesses, and multi-state filing situations.
Professional preparation for personal tax returns involving 1099 income, deductions, credits, and state filing obligations, with pricing based on return size and complexity.
Support for businesses preparing annual tax returns, reconciling 1099-related expenses, reporting contractor payments, and maintaining compliance across federal and state requirements.
Payroll support for paychecks, deductions, tax filings, and year-end forms, including 1099, W-2, 940, and 941 preparation.
Sales tax services help businesses calculate, prepare, and file state and local sales tax forms accurately and on schedule.
Bookkeeping services organize transactions, income, and expenses so 1099 workers and businesses have reliable records for tax season.
Assistance responding to IRS notices, organizing documents, and navigating audits with experienced guidance for individuals and businesses.

We start by reviewing your 1099 forms, income sources, prior returns, bookkeeping records, and any state notices. This helps identify filing obligations, missing documentation, deductible expenses, and whether income needs to be allocated across more than one state.
F.I.C. brings deep experience and practical support to complex 1099 tax situations.
Over 35 years guiding individuals and businesses through tax, accounting, and financial decisions.
Support for taxpayers with 1099 income earned across different states and jurisdictions.
Accounting, payroll, bookkeeping, tax, insurance, and advisory support available under one roof.
Strategies are tailored to each client’s income sources, records, deductions, and compliance needs.
Experienced financial professionals focused on clarity and compliance.

CEO
Al Beheary serves as CEO of Financial Innovations Consulting (F.I.C.), bringing entrepreneurial vision and deep expertise in international and inter-state government accounting to the firm. With a strong background in investment strategy, Al works closely with individuals and companies to organize their finances, align their investment portfolios, and achieve their long-term financial and retirement goals. His leadership has guided F.I.C. through over 35 years of growth, expanding the firm from its Chicago roots to a multi-office organization with an international presence in Ireland and Egypt. Al's commitment to empowering clients with knowledge and personalized financial solutions remains at the core of everything F.I.C. does.

COO
Siobhan Kieran serves as Chief Operating Officer of Financial Innovations Consulting (F.I.C.), bringing extensive experience working with both individuals and large multinational corporations. As a seasoned risk manager, Siobhan specializes in identifying potential financial setbacks and equipping clients with the foresight and long-term safeguards needed for personal and professional success. Her expertise spans strategic planning, operational oversight, and risk mitigation, making her an invaluable resource for clients navigating complex financial landscapes. Siobhan's client-centric approach and commitment to delivering proactive, comprehensive financial strategies reflect F.I.C.'s core values of transparency, integrity, and excellence.

Administration/New Business Specialist
Mary Kay serves as Administration and New Business Specialist at Financial Innovations Consulting (F.I.C.), playing a key role in welcoming new clients and ensuring seamless onboarding experiences. With a detail-oriented and client-focused approach, Mary Kay helps individuals, families, and business owners navigate the first steps of their financial journey with F.I.C. Her organizational expertise and dedication to exceptional service contribute to the firm's reputation for personalized, responsive client care. As part of F.I.C.'s experienced administrative team, Mary Kay helps uphold the firm's commitment to clarity, transparency, and making every client feel supported from day one.

Administration/Retention Specialist
Thomas Sandhof serves as Administration and Retention Specialist at Financial Innovations Consulting (F.I.C.), focusing on nurturing long-term client relationships and ensuring ongoing satisfaction with the firm's services. Thomas plays a vital role in maintaining the trust and loyalty of F.I.C.'s diverse client base, which spans individual taxpayers, small business owners, and large corporations. His dedication to client retention reflects F.I.C.'s core belief that lasting financial partnerships are built on consistent communication, reliability, and personalized attention. Thomas works to ensure that every client continues to receive the high-quality financial guidance and support they expect from F.I.C.

Administrative Assistant
Aine Breen serves as Administrative Assistant at Financial Innovations Consulting (F.I.C.), providing essential support that keeps the firm's daily operations running smoothly and efficiently. Her organizational skills and commitment to excellent service ensure that clients, colleagues, and partners receive timely, professional assistance across all of F.I.C.'s service areas. Aine's contributions help maintain the high standards of accuracy and responsiveness that F.I.C. is known for across its Chicago headquarters and beyond. Her dedication to supporting both the team and the clients she interacts with reflects the firm's client-centric values and commitment to operational excellence.

Marketing
Matt McDowell serves as Marketing Specialist at Financial Innovations Consulting (F.I.C.), responsible for communicating the firm's comprehensive range of financial services to clients across Chicago, the United States, and internationally. Matt plays a key role in building F.I.C.'s brand presence and helping individuals, families, and business owners understand how the firm's expertise can address their unique financial needs. His work supports F.I.C.'s mission to be a trusted, accessible financial partner for a diverse clientele. Through targeted marketing strategies, Matt helps connect those facing complex financial challenges with the expert guidance F.I.C. has provided for over 35 years.

Insurance Assistant
Sara Peterson serves as Insurance Assistant at Financial Innovations Consulting (F.I.C.), supporting the firm's comprehensive insurance services for individuals, families, and businesses. Sara assists clients in navigating insurance options, policy details, and coverage solutions, ensuring they have the protection and clarity they need to make confident decisions. Her role is integral to F.I.C.'s one-stop financial services model, which combines accounting, tax, retirement planning, and insurance under one roof. Sara's attentive, client-focused approach helps ensure that every insurance client receives accurate information and responsive support, reflecting F.I.C.'s commitment to excellence and transparency.

Irish Logistics
Cara Kennedy serves as Irish Logistics Specialist at Financial Innovations Consulting (F.I.C.), managing the firm's operational coordination from its international office in Drogheda, County Louth, Ireland. Cara plays a critical role in supporting F.I.C.'s international service delivery, helping bridge the firm's Chicago-based operations with its European clientele and partners. Her expertise in cross-border logistics ensures that clients in Ireland and beyond receive the same high standard of financial service that F.I.C. is known for across the United States. Cara's work reflects F.I.C.'s commitment to providing seamless, globally connected financial solutions for an increasingly international client base.
Yes, many taxpayers who receive 1099 income must pay state taxes in addition to federal taxes. The exact requirement depends on your resident state, where the income was earned, and whether state income tax applies. Some taxpayers also need to make estimated tax payments throughout the year to avoid penalties, especially if no withholding was taken from their 1099 income.
Get practical answers from an experienced financial consulting team.
Decades of tax and financial consulting experience.
Offices supporting clients across multiple countries.
Pro bono support for clients facing hardship.
Share your 1099 filing questions, income details, or state tax concerns, and our team will help you understand the next steps clearly.
For immediate assistance, feel free to give us a direct call at (773) 202-9393. You can also send us a quick email at TAX@FICMN.COM.
For immediate assistance, feel free to give us a direct call at (773) 202-9393. You can also send us a quick email at TAX@FICMN.COM.