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About Me
I have extensive professional knowledge in the accounting and tax industry obtained through education, training and over 36 years of experience. I knew that I wanted to be an accountant by the time I was in the 8th grade, and it was always my dream to open my own accounting firm. After completion of my training at a reputable Karachi accounting firm in 1982, I joined KPMG as a Senior Auditor and practiced there until March 1987. Immediately following, I held positions as finance manager and senior accountant/office manager until 1993, when I brought my lifelong dream of starting a professional accounting firm into reality.
Since 1994, Bharmal & Associates, Inc. (known as Reliable Business Support until 2005) has served thousands of individuals and small business clients in their accounting, tax and financial service needs.
- University of Karachi, 1979 – Bachelors in Commerce in Accounting
- Certified Public Accountant – California Licensed (CPA)
- IRS licensed Enrolled Agent (EA)
- Quickbooks Advanced Certified Pro Advisor
- General Securities License (Series 6, 7, & 63)
- Registered Investment Adviser License (65)
- Life, Health and Disability Insurance – California Licensed
- Business Advisory
- Tax Planning
- Tax Resolution
- Entity Formation
- Cash Flow Management
- Offer In Compromise: Client owed over $200,000 in back taxes and had no way he could pay this debt in his lifetime. I was able to settle it for $20,475.
- Appeal for an Audit Assessment: Client was assessed over $100,000 in a tax audit. Previous CPA filed an appeal and failed to follow through. After several hearings, I was able to remove the entire assessed tax liability.
- Penalty Abatement: A business client didn’t file their partnership tax return on time (5 partners) . The IRS charged $5,850 in penalties and interest. I was able to abate the full amount.
- Amended Tax Return: Client’s tax return was prepared by a popular tax franchise firm. My review revealed errors and omissions resulting in a proposed amendment and $80,000 refund!
Furthermore, I have always enjoyed cooking and traveling; something I hope to do more of in the future.