Bettys Sarmiento and Osvaldo Posada, founders of B&O Trust Services

Taxes or Obamacare? Explained in plain words.

We prepare your taxes, help you with Obamacare and tell you exactly which papers you need. At our Doral office or by phone, from any state.

What we do

Bettys Sarmiento and Osvaldo Posada. Founders of B&O Trust Services. You'll be helped by them and their team.

Start here

What's your situation?

Pick the one closest to yours. We'll tell you which service it is, which form identifies it and what to bring.

What you need: W-2 taxes

If an employer pays you by check or deposit, in January they give you a form called a W-2. With it and your kids' information we prepare your return and check the credits the law gives you.

IRS Form W-2
Form W-2

Have ready

  • Your W-2 from each job
  • Your and your kids' SSN or ITIN
  • Your bank account for the refund
IRS Form W-2
Form W-2

DeadlineApril 15IRS

Have ready

  • Your W-2 from each job
  • Your and your kids' SSN or ITIN
  • Your bank account for the refund
Bettys Sarmiento
W-2 & family

Across the United States

Not in Florida? We can still help.

We do taxes and Obamacare for clients in many states, by phone and WhatsApp. Pick yours to see what's different there.

We help you in all 50 states + DCFrom our office in Doral, Florida, by phone and WhatsApp
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Hover over a state to see its details; click to open its page.Tap a state to see its details.

Official data from each state and HealthCare.gov, checked in October 2026. Map: U.S. Census Bureau.

«No tuve que ir hasta las oficinas, desde mi casa por teléfono se hizo todo.»

Gilliam Perez, Google review (in Spanish)

What makes us different

Your insurance and your taxes go together. So do we.

If you have Obamacare, your tax return will ask for a form called 1095-A. Since we do both, nothing slips through.

Form 1095-A: the Obamacare form for your taxes

IRS Form 1095-A
Your 1095-A arrivedWe use it on your return
Premium help checkedNo surprises with the IRS

It arrives by mail by mid-February, and it may be in your Marketplace account as early as mid-January. It's used to check the help you got to pay for your plan.

Your year, step by step

  1. Nov – JanYou enroll in or renew Obamacare
  2. JanuaryYour W-2 and 1099s arrive
  3. Mid-FebruaryYour 1095-A arrives and we file your taxes
  4. April 15Deadline for most people

Filed online

Your refund

3 weeks

That's how long it usually takes with e‑file, according to the IRS. It can take longer: the IRS decides.

Source: irs.gov/refunds
Return filedby e-file, with your signature
Your copyto keep

All your papers, in one return

W-2from your job
1099from clients or apps
1095-Afrom your insurance
We put it together +

How it works

How we work with you

No lines and no surprises. You review everything before we send it.

B&O Trust ServicesSample conversation

Hi, I get a W-2 and have two kids. Can you help with my taxes?

Of course! We'll call you today, the call is free. What time works?

  1. By WhatsApp, by phone or at our Doral office. Tell us your situation in your own words.

    WhatsApp
Bettys Sarmiento

B&O · WhatsApp

Hi, how can we help you today?

Monday to Friday, 8:00 a.m. – 6:00 p.m.

Authorized provider

e-file
IRS

We file your return online.

Your papersReady

  • W-2
  • 1095-A

Who we are

We're not an app. We're Bettys and Osvaldo

B&O are our initials. We started the company in Doral so the Hispanic community can understand their taxes and insurance without fear, in their language, with someone who answers the phone.

  • Authorized IRS e-file providerwe file your return online
  • 4.8 ★ on Google68 client reviews
  • Florida-registered LLCsince 2023, in Doral
  • Fully in Spanishby phone, WhatsApp and in person

What our clients say

Happy clients

Google
4.868 reviews · Aug 2026
Google

Real Google reviews, exactly as our clients wrote them.

  • Public on Google
  • Unedited
  • With name and date
Read all 68 reviews on Google
Alexander Casanovas FigueroaGoogle review · in Spanish

5.0

«Excelente servicio. Estoy muy agradecido con esta agencia de taxes por su profesionalismo, paciencia y claridad en todo el proceso. Me ayudaron a resolver mis impuestos de manera rápida y eficiente, siempre…»

Read in full on Google

I came to them through a friend's recommendation, but I don't regret it at all because they have an excellent team... my tax preparer is the best, I recommend her 100%. Ask for Anelys Avarez.

Wendy Avila 6 months ago · Google

Mejor compañía para hacer tus taxes, resaltó la amabilidad de mi preparadora ANELYS ÁlVAREZ muy atenta y siempre dispuesta aclarar dudas, te acompaña hasta que tu pago se hace efectivo, sin duda recomendados !

Darwin Perea 6 months ago · Google · in Spanish

Excelente servicio. Estoy muy agradecido con esta agencia de taxes por su profesionalismo, paciencia y claridad en todo el proceso. Me ayudaron a resolver mis impuestos de manera rápida y eficiente, siempre respondiendo a mis preguntas y buscando la mejor opción para mí. Sin duda los recomiendo al 100%. Un equipo confiable y muy amable.

Alexander Casanovas Figueroa 7 months ago · Google · in Spanish
4.8/5See all on Google

FAQ

What people ask us most

  • Yes. Money you earn working for yourself is taxable even if nobody gives you a form. We help you figure it out and subtract your work expenses.

  • See all questions

Contact

Shall we start?

Tell us about your case in two lines. We'll open WhatsApp with your message ready to send.

Don't type your Social Security number or details from your documents here.

or call (305) 639-0110

Bettys Sarmiento and Osvaldo Posada smiling in their studio

«El mejor servicio 🙏🏻 lo recomiendo 💯❗️»

Google review (in Spanish)

Sheyla Rubin