Zubrowski Associates · Charleston, SC

Advisory first.
Accounting always.

We’re Zubrowski Associates — a Charleston accounting and tax firm led by an Enrolled Agent. Published prices, year-round advisory, and a team that explains your numbers in terms you can use.

Request an Appointment Got an IRS letter? Start here ↓

By appointment only — every engagement starts with a conversation, not a checkout. Tell us when works, and we’ll confirm.

4.9 ★ on Google · 57 reviews
Since 2020
Enrolled Agent–led
Prices published — see below

Teresa Zubrowski, Enrolled Agent and owner of Zubrowski Associates — **Teresa Zubrowski** · Enrolled Agent, Owner

Know Your Notice · The IRS Notice Inspector

Got a letter from the IRS?
Start by understanding it.

Half of what we do is representation — and every case starts with the same object: an envelope you’re afraid to open. Pick the letter you’re holding and read it the way we read it: what it means, what the clock is, and what happens first.

Department of the Treasury — Internal Revenue Service

Notice CP14 · Balance Due

Taxpayer: A. SAMPLE · Charleston, SC

Tax year: 2024 · Notice date: on the letter

Amount due: $2,431.18

This is a sample document with sample figures, shown so you can see how a notice is put together. Your notice, your dates, and your facts control.

Pay by the date on the notice

Questions about this notice? You have the right to representation — you never have to speak with the IRS alone.

What this notice is

The first bill the IRS sends after processing a return that shows a balance — the tax, plus penalties and interest figured to date.
What the IRS is actually saying

“Our math on your filed return leaves this amount due.” It’s a statement of account, not a levy: nothing has been seized, and no one is at your door.
The clock on it

Interest and the failure-to-pay penalty keep accruing until the balance is paid. If the amount looks wrong, the time to question it is now — before it ages into sterner letters.
What we do first

We pull your IRS account transcript and compare it line by line with the return you filed. The first conversation is whether the number is even right.

Whatever the letter says, the first step is the same: a conversation.

Request an Appointment Text us: 843.408.0494

CP14 — Balance Due

The first bill after a return is filed.

What this notice is: The first bill the IRS sends after processing a return that shows a balance — the tax, plus penalties and interest figured to date.
What the IRS is actually saying: “Our math on your filed return leaves this amount due.” It’s a statement of account, not a levy: nothing has been seized, and no one is at your door.
The clock on it: Interest and the failure-to-pay penalty keep accruing until the balance is paid. If the amount looks wrong, the time to question it is now — before it ages into sterner letters.
What we do first: We pull your IRS account transcript and compare it line by line with the return you filed. The first conversation is whether the number is even right.

CP2000 — Income Mismatch

The IRS thinks your return missed something.

What this notice is: A proposal — not a bill. The IRS matched your return against the forms it received (W-2s, 1099s, brokerage statements) and found income that doesn’t match what you reported.
What the IRS is actually saying: “We propose this change to your tax.” You can agree, partly agree, or disagree with documentation. Nothing is final until you respond — or the response window closes.
The clock on it: The notice prints a respond-by date, commonly 30 days out. Miss it, and a wrong proposal can become an assessment by default.
What we do first: We line the notice up against your actual records. A forgotten 1099 is common; so is an IRS mismatch on investment cost basis. The response gets built on documents, not arguments.

CP504 — Intent to Levy

The warning letter, before things escalate.

What this notice is: A sterner bill. The IRS says earlier notices went unanswered, and it intends to levy your state tax refund — with a warning that it can pursue other assets.
What the IRS is actually saying: “We still show a balance, and we’ve moved from asking to warning.” This isn’t the final levy notice — but it’s the one that tells you the file is escalating.
The clock on it: No hearing right attaches to this notice itself — that right arrives with the final notice. The window to get ahead of it is while the letters are still letters.
What we do first: We verify the balance, check what has actually been assessed, and open your file with the IRS — a payment plan, a penalty review, or hardship status, depending on your facts.

LT11 — Final Levy Notice

Levy intent — with your right to appeal.

What this notice is: The final notice before the IRS can levy bank accounts or wages — and the one that carries your right to a Collection Due Process hearing first.
What the IRS is actually saying: “We intend to levy. You have the right to appeal before we do.” This is the last required stop the IRS must make before enforced collection.
The clock on it: 30 days from the date on the notice to request your hearing — the most important date on the page. A timely request generally pauses levy action while your case is heard.
What we do first: Calendar first, strategy second. We confirm your deadline, protect the hearing right, and use that window to put a real plan in front of the IRS.

Letter 566 — Audit Notice

The IRS wants proof for specific lines.

What this notice is: An examination letter. The IRS is asking you to substantiate specific items on a return — credits, deductions, income — usually handled by mail.
What the IRS is actually saying: “Show us the paperwork for these lines.” An audit letter is a request for proof, not a finding that you did anything wrong.
The clock on it: The letter sets a response date, typically 30 days. What you send — and only what you send — shapes what the examiner concludes.
What we do first: We organize the records against each item requested and respond once, completely, and in writing. From that point, every conversation with the examiner runs through us.

No letter — I Haven’t Filed in Years

The door for the years with no envelope.

What this is: There’s no notice to open — but the IRS keeps a file anyway. For years where income was reported to them, they can prepare a substitute return without your deductions, credits, or correct filing status.
What the silence is saying: A substitute return is the IRS’s version of your year, built from the least flattering numbers available. Filing your own return replaces their version with yours.
The clock on it: Refunds expire three years after a return was due — and no statute clock starts on a year that was never filed. Time helps one side here, and it isn’t yours.
What we do first: We pull your IRS transcripts for every open year, see exactly what they have, and file the missing returns in the right order. Most people are surprised by how ordinary the process feels.

Pricing

Floors, not quotes.

No calculator, no sliders — just honest starting points. Every return and every engagement is different, and the real number depends on the details of your situation. So here are ours, in public, with the things that move them listed beside them.

1040

Individual Tax Returns

starting at $500

Priced from a clean, single-source return. Most returns are more than that — which is why the starting price is exactly that: a start.

Price increases with

K-1s
Rental properties
Schedule C business
Interest & dividends
Foreign income
Farm income
Overall complexity and additional forms

1120 / 1120S

Corporation Returns

starting at $1,200

Business returns scale with the business. Starting prices assume a single owner and straightforward books.

Price increases with

Number of shareholders
Multiple entities
Overall complexity

1065

Partnership Returns

starting at $1,500

Partnerships carry every partner’s share with them — the return is priced for the care that takes.

Price increases with

Number of partners
Multiple entities
Overall complexity

One honest note: we prioritize individual returns for clients we already serve on the business side. Standalone personal tax preparation is available, but offered case-by-case.

Bookkeeping & Advisory — four tiers

These engagements are quoted, not calculated — every business’s books tell a different story. Here’s the general shape of where clients land. Every tier includes built-in advisory time, because in our experience there’s no such thing as a “quick question” — what feels like a bookkeeping ask is usually advisory work in disguise.

Tier I

$800

Bookkeeping, plus basic advisory question support.

Tier II

$1,200

Everything in Tier I, plus priority response time.

Tier III

$1,600

Everything in Tiers I–II, plus tax estimates and monthly check-in calls.

Tier IV

Custom

Everything in Tiers I–III, plus dedicated consulting on top of advisory.

Lowcountry marsh grass under a wide evening sky near Charleston

How the year runs here — Advisory-First Accounting™

Books, kept currentRecord keeping, reconciliation, reporting
Advisory, built inQuestions answered as they come up, not in April
The year, forecastPredictive tax forecasting and estimates
Filed, without dramaPreparation and planning, already informed

Every number here is a floor, not a quote. Tell us about your situation and we’ll tell you where you actually land.

Request an Appointment

Teresa Zubrowski working at her laptop on a Charleston porch

Teresa Zubrowski in her office at 22 Westedge

Meet Teresa

The agent behind the firm.

Teresa Zubrowski didn’t come up through a big firm’s training program. She worked in food & beverage — late nights, long shifts — and after her daughter was born, she traded the nights for a degree: a bachelor’s in applied science in accounting from Southern New Hampshire University, earned while raising her daughter and working. Raised by a single mother, in her words, “I don’t come from money.”

She became an Enrolled Agent — the federal credential built for tax practice and IRS representation — and in 2020 she founded this firm in Charleston on a simple operating idea: education, clarity, and personalized solutions. Advice fitted to your actual circumstances, not generic information. A hybrid, anti-burnout culture for her team, because steady people do careful work.

“We value building real relationships with our clients, not just crunching numbers.” — Teresa Zubrowski

Enrolled Agent — licensed to represent you before the IRS
Member — National Association of Enrolled Agents · South Carolina Society of Enrolled Agents
Profiled — SC Biz News, South Carolina 500 (Accounting)

The Team

Four people. Every one of them knows your file.

No call center, no ticket queue, no starting over with a stranger. This is the whole firm — and that’s the point.

Teresa Zubrowski

Enrolled Agent · Owner

The Enrolled Agent at the center of the firm — your advisor, your representative, and the person who still does the work.

Lori Grant

Staff Accountant — Onboarding Specialist

Your first guide here. Lori runs onboarding, so your books, accounts, and logins land in order from week one.

Isabel Posey

Junior Tax Associate

Return preparation and the detail work behind it — the returns move because Isabel keeps them moving.

Angeilyn Rodad

Bookkeeper

The monthly rhythm itself: reconciliations, records, and reporting that stay current instead of piling up.

Services

Two practices, one roof.

The year-round firm — and the firm for the hard letters. Same team, same office, same standard of explanation.

The everyday firm

Books, payroll, and planning that keep the year quiet.

Bookkeeping & write-up
Payroll services
Tax preparation & planning
Predictive tax forecasting
Business entity selection
Financial statements & analysis
Sales tax services
Accounting software selection & setup
Business consulting & management advisory
Notary public

Not all tax planning opportunities are readily apparent. That’s rather the point of having us look.

Start with the Bookkeeping Questionnaire

When it’s serious

IRS representation and tax resolution — a full second practice, led by an Enrolled Agent.

Letters & auditsIRS audit representation · IRS correspondence · obtaining your IRS file
Balances & payment plansBack taxes owed · payment-plan negotiation · offer in compromise · currently not collectible / hardship status
Liens, levies & garnishmentTax liens · bank levy · wage levy (garnishment) · seizures
Unfiled years & penaltiesUnfiled returns · penalty & interest abatement · payroll taxes owed · injured spouse relief · statute of limitations

Start with the Tax Questionnaire

Proof

Charleston, in its own words.

4.9

4.9 out of 5 on Google · 57 reviews

Ranked among the 3 Best Tax Services in Charleston by ThreeBestRated — beside the national chains — with an inspection score of 117/120.

Charleston’s Choice 2026 Finalist — Tax Preparation Company (Post and Courier).

ThreeBestRated award — Best Tax Services in Charleston

South Carolina Society of Enrolled Agents

I am so happy that I found Teresa. She took the time to actually assess my business and how I have been filing, so now I will save thousands in taxes this year. Her and her team are very thorough so I also decided to have them handle my bookkeeping. Way to start the New Year!

— A.C., client

Teresa is very well versed in both Taxation and Business matters. She clearly communicates accounting nuances in terms that people can understand. I asked her opinion on recent tax issues that have surfaced for me, and without hesitation, she agreed to lead the effort to resolve them. She is truly capable and willing at resolving the accounting needs of both individuals and businesses.

— Google review

Having Teresa take care of our taxes for my husband’s multiple businesses and mine was such a huge relief! After my father passed away I was totally lost on how to navigate all the unexpected changes to my finances that caused and she walked me through all of it. She also helped with his taxes too. I really appreciated their extremely fast responses. I’m always going to use them for our taxes!

— Google review

Additionally, Teresa took the time to get to know me as a person outside of my accounting needs. This is a welcome for me as I now believe we have a lasting relationship based on mutual respect.

— Google review

How It Starts

We ask first — because the right answer depends on your facts.

Before we advise anyone, we qualify the fit: your entity, your years in business, your revenue range, whether tax liabilities already exist. Ten minutes that make the first meeting worth having — that’s the advisory mindset, applied before you’ve paid a dollar.

Request an appointmentOne short form — or text us at 843.408.0494. Tell us when works; we confirm.
Answer the questionnaireEntity, years operating, revenue, liabilities, what you need help with. Short, factual, no obligation.
Meet Teresa — or Lori, our onboarding specialistBy appointment at 22 Westedge, Suite 400, or by video, wherever you are.
Work through the secure portalDocuments move through our client portal from day one — never loose in an inbox.

Request an Appointment Client Portal

22 Westedge in Charleston — the tower where Zubrowski Associates meets clients, by appointment — 22 Westedge, Suite 400 · Charleston, SC 29403 — by appointment only

FAQ

Questions, answered straight.

What does it cost?

Our starting points are published, right on this page: individual returns start at $500, corporation returns at $1,200, partnership returns at $1,500, and bookkeeping runs in four tiers from $800. Every number is a floor, not a quote — K-1s, rentals, multiple entities, and complexity move the number, and we tell you where you land before any work begins.

I got a letter from the IRS. What do I do first?

Don’t ignore it — the clock printed on it is real, and most notices get more options, not fewer, when they’re answered early. Read our plain-language guide to the common notices above, then bring the letter to a conversation. When we represent you, correspondence runs through us: you stop fielding the IRS alone.

Do you only take business clients?

Businesses are our center — bookkeeping, payroll, and business tax are the practice’s core. Individual returns are a priority for the clients we already serve on the business side; standalone personal tax preparation is available, but offered case-by-case. If we’re not the right fit, we’ll tell you plainly.

What’s an Enrolled Agent — is that like a CPA?

An Enrolled Agent is a federally licensed tax practitioner, authorized by the U.S. Treasury to represent taxpayers before the IRS in audits, collections, and appeals. Teresa Zubrowski is an Enrolled Agent — it’s the credential built specifically for tax and IRS representation, and it’s the credential at the center of this firm.

Can you work with me if I’m not in Charleston?

Yes. We serve clients throughout the Charleston area and across the nation. Documents move through our secure client portal, meetings happen by video or phone, and our office at 22 Westedge is by appointment for in-person visits.

I haven’t filed in years. Is it too late?

Unfiled returns are a named part of our practice — you would not be the first person to walk in with missing years, and you won’t be met with judgment. The first step is a confidential conversation about where things stand; from there we can see exactly what the IRS has on file and file the missing years in the right order.

How do we share documents?

Through our secure client portal — you get access from day one, and sensitive documents never travel by regular email. If you’re not sure what to send, ask us by text at 843.408.0494 and we’ll tell you exactly what we need.

Don’t face the IRS alone.

And don’t face the year alone either. One short form, one call, or one text — an appointment, not a sales funnel.

Request an Appointment Call 843.408.0308 Text 843.408.0494

By appointment only — tell us when works, and we’ll confirm.

Advisory first.Accounting always.

Got a letter from the IRS?Start by understanding it.

What this notice is

What the IRS is actually saying

The clock on it

What we do first

What this notice is

What the IRS is actually saying

The clock on it

What we do first

What this notice is

What the IRS is actually saying

The clock on it

What we do first

What this notice is

What the IRS is actually saying

The clock on it

What we do first

What this notice is

What the IRS is actually saying

The clock on it

What we do first

What this is

What the silence is saying

The clock on it

What we do first

Floors, not quotes.

Individual Tax Returns

Corporation Returns

Partnership Returns

Bookkeeping & Advisory — four tiers

The agent behind the firm.

Four people. Every one of them knows your file.

Teresa Zubrowski

Lori Grant

Isabel Posey

Angeilyn Rodad

Two practices, one roof.

The everyday firm

When it’s serious

Charleston, in its own words.

We ask first — because the right answer depends on your facts.

Questions, answered straight.

Don’t face the IRS alone.

Advisory first.
Accounting always.

Got a letter from the IRS?
Start by understanding it.