Tax advisory, resolution and business operations
Led by an IRS-licensed Enrolled Agent. We keep your books clean, your taxes optimized, and — if the IRS is already knocking — we take the calls so you don't have to.
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Get our Quarterly Estimated Tax Calculator
The same spreadsheet we use with founders and freelancers to avoid underpayment penalties. Free — instant email delivery.
Client paths — one conversation to start
Whether you're growing a U.S. business, living abroad as an American taxpayer, or facing IRS debt, we begin the same way: a free consultation.
Small Businesses & Founders
Bookkeeping, monthly close, tax planning, and fractional CFO support for U.S. small and mid-sized businesses that want clarity and control.
U.S. Expats & Global Taxpayers
Cross-border tax strategy, FBAR/FATCA compliance, streamlined filings, and IRS representation — in English, Portuguese, or Spanish.
Tax Resolution Clients
IRS and state debt help, back-tax filing, installment agreements, and Offer in Compromise — so you can move past the stress and get compliant.
A federally licensed Enrolled Agent — and a business operator at heart.
Raquel Fernandes founded ONI Consulting to combine a decade of tax and advisory experience with the operational depth of a CFO. We work with small businesses, founders, and U.S. expats abroad to strengthen finances, sharpen taxes, and resolve IRS issues before they compound.
Four pillars of practical support
Bookkeeping, tax advisory, resolution, and training — designed to work together or independently.
Bookkeeping & Financial Management
Clean books, monthly close, and financial reporting you can actually use — so you always know where your business stands.
- Monthly bookkeeping & reconciliation
- Cash flow, budgeting & forecasting
- KPI dashboards & owner reporting
- Fractional CFO leadership on demand
Tax Advisory (Business & Expat)
Year-round tax planning for small businesses and U.S. citizens abroad — from entity structure to FEIE, FTC, FBAR, and FATCA.
- Entity structuring & multi-state planning
- Expat strategy: FEIE, FTC, FBAR, FATCA, treaties
- Quarterly estimates & withholding review
- Federal & state return preparation
Tax Resolution — IRS & State Debt Help
If you owe back taxes, missed filings, or have IRS letters piling up, we step in and represent you as a federally licensed Enrolled Agent.
- IRS & state representation (Power of Attorney)
- Back-tax filing & compliance remediation
- Installment agreements & Offer in Compromise
- Streamlined Filing for U.S. expats abroad
Business Training
Practical workshops and corporate programs for founders, teams, and finance professionals — virtual or in-person.
- Workshops for founders & leadership
- Tax & accounting for non-finance roles
- Operations training for scaling teams
- Custom corporate programs
A clear path from complexity to confidence
Book Your Free Consultation
Pick a virtual slot that works across your time zone — no cost, no obligation.
Review Your Situation
We assess your books, filings, and financial goals in detail.
Build Your Strategy
You get a clear, written roadmap tailored to your business and life.
Ongoing Support
Year-round guidance so nothing slips through the cracks.
Tools you can use today
The same templates and calculators we use in our advisory engagements.
Quarterly Estimated Tax Calculator
A practical spreadsheet to estimate your quarterly federal tax payments and avoid underpayment penalties — built for freelancers, founders, and self-employed professionals.
Get this resourceVendor Spend Audit Template
Audit your recurring vendor spend, surface duplicates, and identify cost-saving opportunities with a clear, ready-to-use template used in our advisory engagements.
Get this resourceReady for advisory you can actually rely on?
Free 30-minute consultation. No pressure — just clarity on your next best step.