Tax & Financial Guidance for Individuals Navigating Life’s Biggest Changes

Life changes fast—and major transitions often bring tax questions, financial confusion, and decisions that feel overwhelming. Whether you’re going through a divorce, managing a loved one’s estate, changing careers, retiring, or simply trying to keep more of what you earn, RHL Accountants provides clear, calm, year-round support tailored to your situation.

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Who We Help

When Life Changes, We’re Here to Help You Make Smart Financial Decisions. Individuals come to us during some of the most pivotal moments in their lives. We provide guidance for:

Divorce & Separation

Tax impacts of settlements, dependents, support payments, filing status, and asset division.

Death of a Loved One

Support for surviving spouses, heirs, executors, and beneficiaries navigating estate issues and tax filings.

Major Life Changes

Marriage, having a child, sending kids to college, starting a business, selling a home, or relocating (in or out of Illinois).

High-Income Individuals & Families

Year-round strategies to reduce tax liabilities legally and proactively.

Individuals With Complex Finances

Multi-state income, rental properties, investments, trusts, equity compensation, and retirement accounts.

First-Time Clients Seeking Personal Attention

People who want clarity, education, and an advisor who keeps their best interests at heart.

Non-Filers Support

We help non-filers catch up on past-due returns with a clear, judgment-free path forward.

Helping You Navigate the Tax Side of Divorce

Divorce is emotionally draining—and the tax consequences aren’t always obvious. We guide clients through:

  • Changing filing status and choosing the most beneficial option
  • Claiming dependents and understanding eligibility rules
  • Tax implications of alimony and support payments
  • Dividing assets, retirement accounts, and property with tax awareness
  • Preparing future year estimates to avoid surprises

You don’t have to navigate these complexities alone. We bring clarity when everything else feels uncertain.

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Support After the Death of a Spouse or Family Member

Managing finances after a death is overwhelming. We help with:

  • Final individual tax returns
  • Understanding inheritance taxation and step-up rules
  • Coordinating with estate attorneys on trust and estate filings
  • Advising surviving spouses on income changes, withholding, and retirement accounts
  • Tax-efficient planning for beneficiaries

We ensure you’re supported, informed, and treated with care through every step.

Support for Major Life Transitions

Significant financial change doesn’t have to catch you unprepared. We advise on:

  • Marriage or remarriage
  • Buying or selling a home
  • Job changes, layoffs, or self-employment transitions
  • Relocating to another state
  • Having or adopting children
  • College planning and education credits
  • Retirement planning and Social Security tax considerations

These decisions carry tax implications that can cost or save thousands—depending on timing and strategy.

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Comprehensive Tax Preparation for Individuals

Beyond life events, individuals rely on us for:

  • Personal income tax preparation
  • Multi-state filing
  • Rental property and investment income reporting
  • IRS notices and issue resolution
  • Year-round guidance, not just April help

You get more than a tax return—you get a financial partner who explains things in plain language and looks out for your long-term success.

Getting Back on Track Without Fear or Judgment

Many people delay filing due to life changes, financial stress, or uncertainty — and that’s more common than you might think. We help non-filers re-enter the system strategically, often with better outcomes than expected.


Our support includes:

  • Retrieving missing income information from the IRS
  • Preparing and filing multiple years of back returns
  • Applying overpayments to reduce balances when possible
  • Communicating with the IRS on your behalf


Led by an IRS Enrolled Agent and Certified Tax Resolution Specialist who exceeds annual IRS education requirements, our approach is informed, supportive, and current with today’s enforcement environment. Our goal is simple: help you get compliant and move forward with confidence — without fear or shame.

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Why Individuals Trust RHL Accountants

Individuals choose us because we offer:

  • Personalized, year-round support—not assembly-line tax prep
  • Clear explanations that help you understand your options
  • Creative but fully legal tax strategies
  • Responsiveness and accessibility whenever questions arise
  • Secure digital tools for easy document transfer
  • An Enrolled Agent & Certified Tax Resolution Specialist overseeing your tax strategy

Our mission is simple: protect you, guide you, and help you keep more of what you earn.

Need Guidance Through a Major Life Change? We’re Here to Help.

Whether you’re dealing with divorce, loss, relocation, or financial transition, you don’t have to navigate it alone.