For Individuals
Individual Tax Preparation
From simple W-2 returns to complex situations with side income, investments, or life changes — we file accurately and find every deduction you're entitled to.
Serving Orange City, IA & Surrounding Areas
Taxes made
simple & stress-free.
Personal CPA support for Northwest Iowa families, farmers, and small business owners. Clear pricing, honest answers, and a process that feels easy — from a local who knows this community.
IRS-Authorized Preparer
CPA-Level Expertise
Transparent Starting Prices
Tax & bookkeeping
services that fit your life.
Whether you're filing individually or keeping your business books in order year-round, we handle the details so you don't have to.
For Small Businesses
Small Business Bookkeeping
Monthly bookkeeping that keeps your books clean, your cash flow visible, and your tax season painless. We categorize, reconcile, and report — you stay focused on your business.
For LLCs, S-Corps & Partnerships
Business Tax Returns
Schedule C, S-Corp 1120-S, Partnership 1065, and more. We prepare your business return accurately and on time, with strategies to reduce your tax burden.
Proactive Planning
Tax Planning & Advisory
Don't wait until April. Year-round planning conversations help you make smart decisions on estimated payments, retirement contributions, and major financial moves.
Built on trust,
delivered with clarity.
We believe tax and bookkeeping should feel straightforward — not intimidating. Here's what sets us apart.
Real Person, Not Software
You work directly with an IRS-authorized preparer who knows your name and your situation — not a call center or an algorithm that generates a generic return.
Transparent Pricing
No surprise fees. We quote your service honestly and confirm pricing before we begin. What you're told is what you pay.
Secure Document Handling
Tax documents are shared through a dedicated secure portal — never via email or unencrypted channels. Your data is protected from start to finish.
Year-Round Availability
Questions don't wait for April. We're available year-round — whether you need a mid-year check-in, help with estimated taxes, or guidance if you receive an IRS notice.
Simple process.
Zero stress.
Getting your taxes done — or your books in order — shouldn't require a PhD. Our process is designed to be easy from your first conversation to your final signature.
Book a Free Consult
Pick a time that works for you using our online scheduler. We'll discuss your situation, answer your questions, and confirm exactly what we'll do for you — at no charge.
Share Docs Securely
We'll send you access to your secure client portal. Upload your tax documents there — safely, at your own pace. No emailing sensitive information, ever.
Receive Your Results
We complete your return or monthly bookkeeping and walk you through the results. For tax returns, you review and approve before anything is filed. Done.
No surprises.
Just clear pricing.
Transparent starting prices below — confirmed with your exact quote before any work begins. Iowa CPA rates typically range from $200–$230 for personal returns; our pricing is designed to be accessible for individuals and small businesses in Northwest Iowa.
Individual Return
From $175
Per tax year — simple to moderate complexity
For individuals with W-2 income, standard or itemized deductions, investments, or other straightforward situations. You speak directly with your preparer before anything is filed.
- Federal & Iowa state 1040
- All common schedules (A, B, D)
- E-filing included
- Personal review call before filing
- Year-round availability for questions
Most Popular
Small Business Return
From $350
Per tax year — Schedule C, S-Corp, or Partnership
For self-employed individuals, LLCs, S-Corps, and partnerships. Includes your business return plus any related personal filing — handled by someone who knows your full picture.
- Business + personal filing
- Depreciation & home office deductions
- Quarterly estimated tax guidance
- Full review before e-filing
- Support if you receive an IRS notice
Monthly Bookkeeping
From $150/mo
Ongoing — billed monthly, cancel anytime
Clean books, monthly reports, and a partner who knows your business year-round. Many clients pay far less than national averages — our pricing scales to your actual transaction volume.
- Bank & credit card reconciliation
- Monthly P&L & balance sheet
- Expense categorization
- Discounted tax prep rate
Note: Prices shown are starting rates. Final pricing is confirmed after your free consultation and depends on the complexity of your return or business size. No payment is collected until you've reviewed and approved your quote. We never file without your explicit approval.
Working with a local CPA
vs. doing it yourself.
Tax software can be a great fit for simple situations. Here's an honest look at when personal CPA support adds confidence — and real value.
Local CPA
RAS Financial
- You speak directly with your preparer — someone who knows your specific situation
- Transparent starting prices — your quote confirmed before any work begins
- Deductions identified from your full financial picture, not just prompts on a screen
- Year-round availability — call or email after filing season with questions
- IRS notice support — we help you understand and respond to IRS correspondence
- Local to Northwest Iowa — in-person drop-off and appointments available in Orange City
DIY Software
TurboTax / H&R Block Online
- Good fit for straightforward W-2-only returns with simple deductions
- DIY versions start free; full-service options typically run $89–$300+ depending on complexity and state
- Audit support is typically question-and-answer only; full representation is a separate paid add-on
- No ongoing relationship — questions between filings generally require a new support session
- More complex situations — self-employment, farm income, rentals, life changes — can be harder to navigate correctly in software
- No local presence — if something goes wrong, there's no one in your community to turn to
Tax software works well for simple returns. If your situation involves self-employment, a farm, rental income, a life change (marriage, new business, estate), or an IRS notice, working with a local preparer who knows your full picture typically provides more confidence — and can save you money in the long run.
Talk to Randy — Free Consult
Existing Clients
Pay Your Invoice
Already worked with us? Pay your invoice via Venmo or by mailing a check. Venmo is handled off-site through their secure platform — we never collect payment information on this website.
Payment processed off-site — no card data stored here
Include your invoice number in the payment note or check memo
Questions? Call (712) 441-9303 or use the contact form
Venmo
Search @randysmitcpa in the Venmo app, or click the link below to open directly. Include your invoice number in the note. Verify the handle exactly before sending — RAS Financial will never ask you to change your payment destination by text or email.
Pay with VenmoMail a Check
Make checks payable to RAS Financial and write your invoice number on the memo line. Mail to:
RAS Financial410 Lincoln Ave SE
Orange City, IA 51041
Venmo payments are processed directly by Venmo. RAS Financial does not store or handle any payment card information on this site.
Replace with preparer photo
IRS-Authorized
Tax Preparer
About
Hi, I'm Randy Smit.
I'm the founder and owner of RAS Financial, a tax preparation and bookkeeping firm based in Orange City, Iowa. I work directly with individuals and small businesses across Northwest Iowa to make their tax and bookkeeping experience straightforward, accurate, and stress-free.
I started RAS Financial because I believe everyone deserves honest, knowledgeable financial help — without the pressure of a big-chain firm or going it alone. When you work with RAS Financial, you work with me directly.
IRS-Authorized Preparer
Northwest Iowa
15+ Years Experience
Orange City, IA
Schedule a Free Call
Helpful guides &
important dates.
Stay informed with quick-reference resources to help you navigate tax season and keep your finances on track.
Tax Deadlines
2025 Key Tax Filing Dates
April 15 — Individual returns and Q1 estimated tax payment due. October 15 — Extended return deadline. Mark your calendar and avoid penalties.
Deductions
10 Often-Missed Deductions
Home office, student loan interest, state sales tax, job search expenses, and more — many taxpayers leave money on the table every year.
Bookkeeping Tips
Keep Your Books Clean Year-Round
Separate business and personal accounts, track every receipt, and reconcile monthly. Three habits that make tax season simple.
Small Business
Quarterly Estimated Taxes Explained
Self-employed? Avoid underpayment penalties by understanding when and how much to pay in estimated taxes each quarter.
Frequently asked questions.
Still have questions? Reach out anytime.
Let's start a conversation.
Book a free 20-minute consultation or send us a message. There's no commitment — just an easy conversation about how we can help.
Call for a Free Consultation
The fastest way to get started is a quick phone call. The free consult takes about 20 minutes — we'll discuss your situation, answer your questions, and give you a clear plan and quote. Prefer to write first? Use the message form to the right.
Call (712) 441-9303Monday–Friday, 9:00 AM – 5:00 PM Central. Outside those hours, leave a voicemail or use the form and we'll respond next business day.
Send a Message
Do not include Social Security numbers, EINs, bank account details, or tax documents in this form. We will provide a secure portal after your consultation for all document sharing.
What you can share: your filing situation, business type, income range, or specific tax questions. We'll request documents securely after we schedule.