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CREDENTIALS & CERTIFICATIONS

FINANCIAL HARMONY TAX RESOLUTION WINS

Offer in Compromise

  • Debt $509,000
  • Settled for $18,725
  • Saved $490k
REDUCED BY 96%

Offer in Compromise

  • Debt $385,812
  • Settled for $11,844
  • Saved $374k
REDUCED BY 97%

Offer in Compromise

  • Debt $49,973
  • Settled for $22,060
  • Saved $28k
REDUCED BY 56%

Audits/Late Filing Representation

  • Debt $64,811
  • Settled for Refund of $308
  • Saved $65k
REDUCED BY >100%

Audits/Late Filing Representation

  • Debt $78,017
  • Settled for $13,905
  • Saved $64k
REDUCED BY 82%

Audits/Late Filing Representation

  • Debt $103,870
  • Settled for $0
  • Saved $104k
REDUCED BY 100%

Offer in Compromise

  • Debt $227,011
  • Settled for $10,245
  • Saved $374k
REDUCED BY 97%

Offer in Compromise

  • Debt $112,489
  • Settled for $1,132
  • Saved $111k
REDUCED BY 99%

Audits/Late Filing Representation

  • Debt $131,820
  • Settled for $68,294
  • Saved $64k
REDUCED BY 48%

Offer in Compromise

  • Debt $509,000
  • Settled for $18,725
  • Saved $490k
REDUCED BY 96%

Offer in Compromise

  • Debt $385,812
  • Settled for $11,844
  • Saved $374k
REDUCED BY 97%

Disclaimer: Every client’s situation is different. I fight hard to find the best legal path forward—but your results will depend on your full financial picture and current IRS rules.

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Welcome To

Financial Harmony Tax Resolution


Based in El Cerrito, California and proudly serving the San Francisco Bay Area, the state of California, and nationwide, Financial Harmony Tax Resolution specializes in turning your tax challenges into solutions that bring you peace of mind. Whether you're facing back taxes, penalties, or need help with filing current or past tax returns, Smiley Ralph Nelson, Enrolled Agent, and his team are here to guide you through every step of the process. With over 28 years of tax resolution experience, Smiley is committed to achieving the best possible outcome for you, helping you resolve your IRS problems and regain control of your finances. We offer a compassionate, professional approach that focuses on achieving the best outcomes —allowing you to move forward with confidence.

Schedule a consultation today to discover how we can help you achieve the financial freedom you deserve.

Ready to resolve your tax issues and move forward with peace of mind?

Financial Harmony Tax Resolution offers the expert guidance you need to get back on track and achieve the financial freedom you deserve.

SCHEDULE YOUR CONSULTATION NOW

and let's find the best solution for you.

ABOUT

SMILEY RALPH NELSON, EA


"Your IRS Debt Has Nothing To Do With The Goodness Of Your Soul"


Smiley Ralph Nelson, Enrolled Agent and founder of Financial Harmony Tax Resolution, has dedicated his career to helping individuals and small businesses navigate the complexities of the IRS and state tax systems. With over 28 years of experience and a deep passion for customer satisfaction, Smiley offers expert tax resolution services with a focus on achieving positive outcomes.


As an Enrolled Agent (EA), Smiley has the highest qualifications to represent you before the IRS and other tax authorities. He’s worked with clients from all walks of life, helping them resolve tax issues, reduce debt, and regain peace of mind. Smiley believes in building long-term relationships with his clients, providing them with the knowledge and tools to stay on top of their taxes moving forward.

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HOW IT WORKS

We know that resolving tax issues can feel complicated, but our process is designed to simplify it for you. Here's how we focus on delivering results:

Step 1: Initial Consultation

Our first step is a private, no-pressure consultation to fully understand your tax situation and goals. We'll set clear expectations and discuss your options.

Step 2: Review of Your Situation

Every client recieves an easy confidential portal so you will know where things are and what info is needed to complete each step.
For resolution work, you will sign Powers of Attorney so Financial Harmony Tax Resolution (FHTR) can order your IRS and state transcripts to determine exactly what is needed for your personal and/or business accounts. 

Step 4: Negotiation and Filing

For tax prep clients, I'll ask for your last two tax returns and any changes in the past year.  From there it's pretty straight forward.
For resolution clients, the analysis will tell us how many tax returns (if any) are required to bring you into compliance. Tax preparation is a separate fee and contract from the Analysis. The amount of late returns and the cost for each return will be determined in the Analysis.

Tax Resolution Work

Once we have finished the Analysis and Tax Return Preparation, you and FHTR will 

determine the resolution that best fits your situation. This will be a separate contract and 

fee from the Analysis. Resolution options include a properly structured Installment 

Agreement, an Offer in Compromise, placement into Currently Not Collectible status, and others. Once we settle the problems, you will not need to talk to the IRS/FTB again.


From start to finish, our goal is to provide clear, effective solutions that relieve your tax burdens.

Take the first step toward a solution by scheduling your consultation today.

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Tax Resolution & Tax Filing Services

At Financial Harmony Tax Resolution, our services are designed to provide effective and lasting solutions to your tax issues. We tailor our approach to fit your specific situation, ensuring the best outcome for you. Here's how we can help:

Offer in Compromise

We work to reduce your tax debt to a manageable amount, so you don't have to carry the full burden if you're unable to.

Installment Agreements

If you need more time to pay, we negotiate affordable payment plans that make sense for your budget.

Currently Non-Collectible Status

If you're facing financial hardship, we may be able to help you temporarily halt collections until your situation improves.

Tax Filing

We work to reduce your tax debt to a manageable amount, so you don't have to carry the full burden.

IRS Audits

If you're facing an audit, we’ll represent you to ensure fair treatment and work to resolve any discrepancies, potentially lowering your liability.

Previous Year Tax Filing

If you're behind on filing, we’ll help you catch up quickly and efficiently, so you can stop accumulating penalties and move forward.

With Smiley's expertise, you'll see tangible result, and you can trust we're always working toward the best possible resolution for your tax situation.

Reach out now to start solving your tax problems today.

COMMON TAX RESOLUTION PROBLEMS & SOLUTIONS

At Financial Harmony Tax Resolution, we focus on delivering actionable solutions for common tax challenges, ensuring you get the best results:

Unfiled Tax Returns

If you're behind on filing, we’ll help you catch up quickly and efficiently, so you can stop accumulating penalties and move forward.


Tax Debt

If you owe taxes you can’t afford to pay, we’ll negotiate an Offer in Compromise or arrange a manageable Installment Agreement to make your debt more affordable.


IRS Audits

If you're facing an audit, we’ll represent you to ensure fair treatment and work to resolve any discrepancies, potentially lowering your liability.


IRS Liens and Levies

If the IRS has taken action against your property or accounts, we work to remove liens and levies, so you can get back on track.


Penalties and Interest

We focus on reducing penalties and interest, lowering your overall tax burden and helping you save money.

Our commitment is to help you find the best solution for your tax issues, so you can get back to living your life without the burden of tax stress.

Contact us today  to discuss your specific tax resolution needs.

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Our Blog: Tax Insights

By Ralph Nelson, EA April 29, 2025
Owning a small business requires financial diligence—especially staying on top of taxes. Tracking receipts and keeping orderly records not only makes tax filing easier, it paves the way to a healthier business.
A man and a woman are sitting at a table talking to each other.
By Ralph Nelson, EA April 13, 2025
If your spouse is in debt to the IRS and his or her wages are garnished because of it, chances are you are liable for the debt as well.
A calculator is sitting on top of a pile of tax forms.
By Ralph Nelson, EA April 3, 2025
If there’s one truth about IRS tax debt, it’s that it can happen to anyone, regardless of one’s income. A simple mistake can start the ball rolling and before you know it, a small IRS debt has snowballed into a big one because of added penalties and interest. 
A woman is sitting on the floor holding IRS 1040 tax forms in her hands.
By Ralph Nelson, EA March 21, 2025
I’m interested in helping you keep your money. Every step of the way, my tax resolution guidance is geared towards my client paying the absolute minimum amount of legal tax. There are many ways I do this.
A man with glasses is sitting at a table looking at a piece of paper.
By Ralph Nelson, EA March 3, 2025
Problems–life problems–can happen to anyone. When I met Richard, he was in serious trouble with the IRS. He had made a mistake many years earlier. At that time, he began a relationship with a woman he loved. But sometime during their relationship, she got sick. She required hospitalization. Richard had a good job and he helped pay her medical bills. But the bills soon spiraled out of control.
Person counting money at desk
By Ralph Nelson, EA February 18, 2025
A wage garnishment or an IRS garnishment of your bank account can be very stressful. I’ve had innumerable clients come to me in a panic, at the end of their ropes. The inexplicable IRS paperwork, frustrating waits on the phone to speak to a representative, and the panic and worry of understanding the process had them turned upside down.
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