About Us
Small Business & Individual Tax Services
Matt is very knowledgeable when it comes to tax preparation. I wouldn’t trust anyone else to do my taxes!
Tax Customer
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★ ★ ★ ★ ★
Jordan Sowers
Background
When I work with someone, I like to take the time to truly understand who they are, where they come from, the experiences that shaped them, and what motivates them. Strong relationships are built on mutual understanding and trust, and I know you probably feel the same way. No one wants to work with someone they don’t feel connected to. So I’d like to share a bit about myself so you can get to know the person behind Cardinal Tax.
I grew up in York County, Pennsylvania, splitting my childhood between Hanover and Littlestown. After high school, I attended college for a year, but soon felt called to serve. In the years following 9/11, I joined the Army Reserves, inspired by the sense of patriotism that moved so many of us.
My time in the military played a major role in shaping who I am today. I completed two tours, one in Qatar in 2004 and another in Iraq in 2009. Those years taught me discipline, resilience, and how to work well with people from all backgrounds. After returning home from my second tour, I finished my undergraduate degree in Finance at Towson University.
As my career began to unfold, I realized how much I enjoyed helping people and businesses make sense of their financial lives. That passion led me to pursue an Accounting degree and ultimately earn my CPA certificate in 2016. Since then, I have focused on providing tax, accounting, and consulting services to individuals and business owners who want clarity, guidance, and a trusted advisor in their corner.
Today, I live in Timonium, Maryland, with my wonderful wife and our two amazing children. We stay active in our community and attend church at Nativity on Ridgely Road. As a family, we love getting away to Ocean Pines, Maryland, whenever we can, enjoying the coastal atmosphere and time together.
The same dedication and values that shaped my life are the foundation of my work at Cardinal Tax. Whether you are a small business owner, a real estate investor, or simply someone trying to navigate your taxes with confidence, my goal is to offer expertise, trust, and a genuine personal connection.
I look forward to learning more about you and working together to help you reach your financial goals.
Matt Miller, CPA
Values
At Cardinal Tax, everything I do is rooted in a strong set of values that guide how I approach my work and relationships with clients. I believe that success, both personally and professionally, is built on a foundation of trust, integrity, and a commitment to doing what’s right. My mission is to provide not just financial solutions, but peace of mind, knowing you have someone in your corner who genuinely cares about your success.
One of the core principles I live by is taking a long-term view of things. In life and in business, short-term decisions often lead to short-lived results. Whether it’s developing a tax strategy, building your business, or planning for the future, I focus on creating sustainable solutions that benefit you now and for years to come. This means thinking ahead, staying proactive, and making decisions that align with your broader goals.
I also value relationships over transactions. Numbers and spreadsheets may be the tools of my trade, but it’s the people behind those numbers that matter most. I take the time to truly understand my clients—their challenges, aspirations, and what keeps them up at night. By building strong, personal connections, I can provide advice and strategies that are tailored to your unique situation.
Another guiding value is accountability. I believe in delivering on my promises and being transparent every step of the way. Whether it’s meeting deadlines, explaining complex tax laws in plain terms, or simply being available when you need me, you can count on me to be reliable.
Finally, I value growth: for myself, my family, and my clients. Continuous learning and improvement are essential to staying ahead in an ever-changing financial landscape. I bring that same mindset to my clients, helping them grow their businesses, achieve their goals, and navigate challenges with confidence.
These values aren’t just words, they’re how I live my life and run my business. When you work with Cardinal Tax, you’re not just hiring a CPA; you’re gaining a partner who’s invested in your success for the long haul.
Full Listing of Services
We’re here to serve your needs no matter how extensive the engagement.
Personal Tax
Services Offered
- Form 1040 & Sch. A (Residential State)
- Form 1040 Schedules 1-6 (each)
- Schedule B
- Schedule C
- Schedule D
- Form 8949 (up to 6 transactions)
- Schedule E – 1st Property
- Schedule E – Additional Properties
- Schedule F
- Schedule J
- Schedule SE
- W-2s (>4, each)
- K-1 Income with Basis Schedule (each)
- Installment Sales (Sale Year/Subsequent Year)
- Form 2441 (Child Care)
- Form 4562 (Depreciation Current)
- Depreciation Schedule (per asset)
- Form 4952 (Investment Interest)
- Form 5329 (Retirement Penalty)
- Form 6251 (AMT)
- Form 8960 (NII Surtax)
- Form 8962 (Healthcare Credit)
- Form 8965 (Healthcare Penalty)
- College Credits
- Estimated Tax Forms
Planning
- Rental property tax planning and deductions (mortgage interest, property taxes, depreciation)
- 1031 Exchange guidance for tax-deferred property exchanges
- Passive activity loss rules optimization (material participation, grouping activities)
- Cost segregation studies for accelerated depreciation benefits
- Opportunity Zone investment tax benefits and compliance
- Real estate investment trust (REIT) tax planning and compliance
- Tax implications of property sales (capital gains tax planning, installment sales)
- State and local tax considerations for real estate investments
- Partnership and LLC tax planning for real estate ventures
- Tax-efficient financing strategies for real estate acquisitions and developments
Business Tax
Services Offered
- Form 1120 C Corp
- Form 1120S S Corp
- Form 1065 LLC
- Form 709 Gift Tax
- Form 706 Estate Tax
- Form 1041 Trust
- Form 1041 Estate
- Form 990 Not for Profit
- Form 941
- Form 940
- SUTA
- State Withholding
- W-2s/1099s (each)
- Newly Formed Business
- Like-Kind Exchanges
- Special Tax Elections
- Business Entity Tax Conversions
- Tax Research / Second Opinions
Planning
- Entity selection and structure planning (Sole Proprietorship, LLC, S-Corp, C-Corp)
- Tax-efficient compensation strategies for owners and employees
- Deduction maximization (Section 179, bonus depreciation, startup expenses)
- Accounting method optimization (cash vs. accrual, inventory valuation)
- Tax credits identification and utilization (Research and Development Tax Credit, Work Opportunity Tax Credit)
- Retirement planning and contribution optimization (SEP-IRA, SIMPLE IRA, 401(k))
- State and local tax planning and compliance
- Succession planning and exit strategy optimization
- IRS audit support and representation
Accounting Services
Services Offered
- Bookkeeping and recordkeeping
- Financial statement preparation (balance sheet, income statement, cash flow statement)
- Budgeting and forecasting
- Tax preparation and planning
- Payroll processing and compliance
- Accounts payable and receivable management
- Bank reconciliations
- Financial analysis and reporting
- Internal audit and controls review
- Inventory management
- Business valuation services
- Cost accounting and cost analysis
- Management consulting and advisory services
- Software implementation and training (e.g., QuickBooks, Xero)
- Compilation and review of financial statements
- Estate and trust accounting
- Compliance with regulatory requirements (GAAP, tax laws, etc.)
- Financial planning and wealth management advice
- Merger and acquisition support
- Forensic accounting and fraud investigation
- Outsourced CFO/Controller services
- Specialized industry-specific accounting services (e.g., healthcare accounting, construction accounting)