MerchantFinancial Advisory
LLC formation

Form your LLC with an accountant, not a call center.

Any state, one price. Your state filing, EIN, operating agreement and first-year calendar from $150 plus your state's fee, paid once. No renewals, and no add-on charges for the basics.

Big Four trained · Accounting, tax and business solutions · Princeton, NJ, serving clients nationwide

Packages

Three ways to start. One price each.

Every package includes the filing, your EIN and an operating agreement template. State fees are added at cost.

File it right

Formation

$150+ state fee · paid once

Your LLC filed, with the EIN and paperwork you need on day one.

  • Review of your details and a name availability check
  • State formation filing prepared and submitted
  • EIN from the IRS (we apply for you)
  • Operating agreement template, filled in with your owners and percentages
  • First-year compliance calendar
  • Document pack: filed certificate, EIN letter, operating agreement
Choose Formation
Most complete start

Formation + Business Setup

$249+ state fee · paid once

Everything in Formation, plus the tax and books setup most new owners miss.

  • Everything in Formation
  • Tax classification review: default LLC vs S corp, in writing
  • State tax registration (NJ-REG in New Jersey), including employer setup if you'll hire
  • Bank-ready document checklist
  • QuickBooks Online setup: chart of accounts, bank feeds, invoice template
  • 45-minute onboarding call
Choose Formation + Business Setup
Launch-ready

Complete Launch

$649+ state fee · paid once

Everything in Business Setup, plus your elections, sales tax and first month of books.

  • Everything in Formation + Business Setup
  • S corp election (Form 2553) filed if it fits, with salary guidance
  • Sales tax registration and filing calendar, if you sell taxable goods or services
  • First month of bookkeeping: one bank, one card, up to 100 transactions, first P&L
  • Then continue monthly from $199/month, if you want (optional, month to month)
  • Our DIY guides and checklists included
  • 30-day check-in call
Choose Complete Launch
What's includedFormation
$150
Formation + Business Setup
$249
Complete Launch
$649
State filing + name check
EIN application
Operating agreement template
First-year compliance calendar
Tax classification review (LLC vs S corp)—
State tax registration—
QuickBooks Online setup—
Onboarding call—
S corp election (Form 2553), if it fits——
Sales tax registration——
First month of bookkeeping——
DIY guides and checklists——
Monthly bookkeeping after thatOptional add-onOptional add-onOptional, from $199/mo
Renews every year?NoNoNo
Your real first-year cost

Pick your state. See the whole number.

Our fee plus the state's fee, before you commit. State fees are passed through at cost.

Your LLC

Choose a state and a package.

All 50 states and Washington, DC. Already formed and need tax setup? Ask us.
Package

Your LLC

First-year cost with MFA

—Due at formation
—MFA package
—State filing fee

    State fees as published by the state and checked October 20, 2026. Card convenience fees and county costs may apply.

    After month one

    From your first month of books to every month.

    Complete Launch includes your first month of bookkeeping. If you like how it works, keep going: same accountant, same file, no handoff.

    Optional · month to month

    Monthly Bookkeeping

    $199/ month · starting price

    For one bank account, one credit card, up to 100 transactions a month. More accounts or volume? We quote it up front before you start.

    • Transactions categorized to your chart of accounts every month
    • Bank and credit card accounts reconciled to the statements
    • Monthly P&L and balance sheet, with a short note on what changed
    • Owner draws, loans and transfers kept separate from income and expenses
    • Year-end books handed to your tax preparer (or to us) ready to file
    • Questions by email any time during the month
    Add monthly bookkeeping
    How the switch works

    No gap between month one and month two

    1. Month oneIncluded in Complete Launch: we set up QuickBooks and close your first month.
    2. Day 30 check-inWe review the first P&L together and confirm your monthly scope and price.
    3. Month two onwardWe close your books each month and bill you monthly. Stop whenever you want.

    On Formation or Business Setup? You can add monthly bookkeeping too; tick the box in the form below. Bookkeeping doesn't include tax returns, payroll or sales tax filings; we quote those separately.

    How it works

    Three steps, and a person on the other end.

    1

    Tell us about your business

    A short form: the name you want, owners, and what you'll do.

    2

    Pay securely at checkout

    Card or bank account through Stripe, right on this page: package + state fee, one total. We check the name and file.

    3

    You're ready to operate

    Your documents, EIN and calendar, plus tax registration and QuickBooks if your package includes them.

    After you form

    Your first year, in order.

    What comes due after the LLC exists. Our packages cover the setup; this keeps you on track.

    1. Right after filing

      LLC filed, EIN issued, operating agreement signed. Open your business bank account.

    2. In the first weeks

      Register with your state's tax agency if your state or business needs it, for example NJ-REG in New Jersey within 60 days, and a sales tax permit before your first taxable sale.

    3. If your state requires it

      Finish any publication requirement (New York: within 120 days) and file the proof with the state.

    4. If an S corp fits

      File Form 2553 on time and set up payroll for a reasonable salary.

    5. Each January

      Send 1099s to contractors you paid last year. Our 1099 checker tells you who needs one.

    6. Every year (or two)

      Your state's annual or biennial report and any franchise tax. Your state's page shows the fee and due date.

    Why MFA

    Formation is a tax decision, too.

    Tax setup from day one

    Your classification, state registration and S corp question answered before your first sale.

    Books ready for tax time

    QuickBooks set up with a chart of accounts that fits your business, not a blank file.

    A real reviewer, not a script

    A Big Four trained accountant checks every filing before it goes to the state.

    No surprise renewals

    One fee, paid once. If you want ongoing help, we'll quote it, and you decide.

    Prefer to do it yourself?

    DIY guides and checklists

    Our step-by-step LLC setup guide and new business checklist are coming to the MFA shop. Until then, our resources cover the basics.

    Browse resources
    Start my LLC

    Tell us about your business.

    Fill in your details, then pay securely by card or bank account at checkout, right on this page (powered by Stripe). One total: your package plus your state's fee at cost. If we can't file your LLC (for example, the name isn't available), we refund you in full; state fees can't be refunded once the state accepts the filing.

    * Required

    Check any that apply
    Add-ons
    Please don't include Social Security or bank account numbers. We collect what the IRS needs securely after we've confirmed your order.

    Card or bank account via Stripe. You'll see the full total before you pay.

    FAQs

    Filing the paperwork is the easy part. The decisions that cost money come right after: how the LLC is taxed, whether an S corp election makes sense, state tax registration, and setting up books that are ready for tax time. We handle those from day one.

    No. Each package is a one-time fee plus the state's filing fee at cost. Monthly bookkeeping is optional: it starts only if you ask for it, runs month to month, and you can stop anytime.

    Complete Launch includes your first month. At the 30-day check-in we review it with you. If you want to continue, monthly bookkeeping starts at $199 a month for up to two accounts (for example one bank account and one credit card) and up to 100 transactions a month. Each extra account adds $50 a month and 101 to 200 transactions add $100 a month. More than four accounts or 200 transactions a month is quoted up front. If you'd rather stop, you keep your QuickBooks file and everything we set up.

    By card or bank account at checkout on this page, powered by Stripe. You pay one total: your package plus your state's filing fee at cost, shown as separate lines on your receipt. We check the name and file right after. If we can't file, we refund you in full; state fees can't be refunded once the state accepts the filing.

    All 50 states and Washington, DC. Our package price is the same everywhere; only the state's own fee changes. Pick your state above to see the total, or open your state's page for its fees, annual report and tax registration rules.

    Usually the state where you live and do business. Forming in Delaware, Wyoming or Nevada and operating somewhere else normally means registering in your home state too, so you pay two sets of fees. We'll tell you if another state makes sense for you.

    Almost every state requires a registered agent with a street address in the state where the LLC is formed. If you live there, that can be you. If you form somewhere you don't have an address, you'll need a commercial registered agent. We don't sell registered agent service; each state page lists what that state requires.

    A few do. New York requires publication in two newspapers for six weeks, then a $50 Certificate of Publication. Some other states have their own publication rules; your state's page lists them. Newspaper costs vary by county, so we quote them at cost.

    Yes. We provide a template filled in with your owners, percentages and management, for you to review and sign. MFA is not a law firm and doesn't give legal advice; for complex ownership or investor terms, have an attorney review it.

    We correct the filing and resubmit it. State fees are non-refundable once a filing is submitted, so we confirm every detail with you before we file.

    Most states charge an annual or biennial report fee, and a few charge an annual franchise or privilege tax (varies by state). We show each state's figure on its page and in the cost picker, and your first-year compliance calendar lists the due dates.

    LLC fees by state

    State filing fees, all 50 states and DC.

    The state's own formation fee for a domestic LLC filed online. Open a state for its annual report, tax registration, registered agent rules and official sources.

    Planning beyond the filing? See the 2027 business tax deadlines and the full resources hub.

    State facts checked against each state's official sources as of October 20, 2026. State fees change; we confirm the current fee before invoicing. MFA is not a law firm and does not provide legal advice. We prepare and file formation documents based on the information you provide. Educational information, not tax or legal advice.

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