Level 1: Tax Assessment $2,499.00 [Run client information through our Ai analysis.]

Level 1.5: Foundational Strategies $15,000-$20,000 [After analysis, implement results]

Establishing a strong base of tax-saving habits and is appropriate for new or small businesses.

Accurate Record-Keeping: Maintain meticulous records of all business expenses. This is the cornerstone of any tax strategy.

Maximize Deductions: Fully leverage common deductions like home office expenses, business-related meals and travel, vehicle mileage, and software subscriptions.

Home Office Deduction: Assisting clients in correctly calculating and claiming the home office deduction for eligible expenses.

Retirement Contributions: Use tax-advantaged retirement plans like a SEP IRA or Solo 401(k) to reduce your taxable income.

Business Entity Review: Advising on business structure and (LLC, Sole Proprietorship, S-Corp) conversion for the most tax-efficient for your current size and income. 

Accelerate Expenses, Defer Income: When possible, pay for upcoming expenses (e.g., supplies, advertising) in the current year to maximize deductions, and delay billing or receiving income until the following year.

Section 179 Depreciation: Explaining how businesses can deduct the full purchase price of qualifying equipment and software during the year they are put into service, rather than depreciating it over time.

Augusta Rule (Section 280A): Guiding clients on how to utilize this rule to rent their primary residence to their business for up to 14 days per year, with the rental income being tax-free.

Income Shifting: Implementing strategies to shift income to family members in lower tax brackets.

Level 2: Intermediate Tax Optimization

Sophisticated strategies for significant tax savings for growing business with steady cash flow.

Advanced Retirement Plans (Cash Balance Plan): For businesses with high income and a desire to make very large tax-deductible contributions, a Cash Balance Plan can be a powerful tool. This type of plan, often combined with a 401(k), allows for contributions well into the six figures, far exceeding the limits of a traditional 401(k). This is a great way to "supercharge" your retirement savings while drastically reducing your business's taxable income.

Employing Family Members: This strategy involves hiring your children or spouse to work for the business. Their wages can be a deductible business expense, and if their income is below the standard deduction, they may not owe federal income tax. This moves money from a high-tax bracket to a zero-tax bracket within the family.

Section 1031 Exchange (Real Estate): If your business owns investment real estate, you can use a 1031 exchange to defer paying capital gains taxes when you sell a property. By reinvesting the proceeds into another "like-kind" investment property, you can roll the tax liability forward indefinitely, allowing your wealth to compound tax-deferred.

Research and Development (R&D) Tax Credits: If your business is engaged in the development of new products, processes, or software, you may be eligible for R&D tax credits. Unlike a deduction, which reduces your taxable income, a credit directly reduces the amount of tax you owe, dollar for dollar.

Level 3: Strategic Wealth Accumulation

For established, profitable businesses looking to integrate business and personal planning.

Real Estate Professional Status (REPS): If you or your spouse qualify as a real estate professional by working a minimum number of hours in real estate, you may be able to use real estate losses to offset active, ordinary income from your business. This is a highly specialized strategy with strict IRS rules.

Cost Segregation Study: A real estate owners cost segregation study identifies and reclassifies certain property assets from long-life depreciable categories (e.g., 39 years) to shorter-life categories (e.g., 5, 7, or 15 years). This accelerates depreciation deductions, leading to substantial tax savings in the early years of owning a property.

Level 4: Advanced Tax Minimization

Highly complex and specialized strategies for HNW individuals and very successful businesses.

Captive Insurance Company: This involves creating your own insurance company to insure risks unique to your primary business. The premiums paid by your business to the captive are tax-deductible, and the captive's profits are taxed at a much lower corporate rate. This can create a significant pool of tax-advantaged capital.

Deferred Sales Trust (DST): A legal, non-securitized installment sale method that allows you to defer capital gains taxes on the sale of a highly appreciated asset (e.g., real estate or a business). The sale is made to a trust, which then sells the asset to a third-party buyer. The proceeds are then invested by the trust, and you receive payments over time. This offers tax deferral and investment control.

Private Placement Life Insurance (PPLI): For accredited investors to grow a large investment portfolio tax-deferred. Assets held within the policy can grow without annual taxation, and withdrawals can be taken tax-free under certain conditions.

Strategic Charitable Giving: Implementing advanced strategies like Donor-Advised Funds (DAFs) or Charitable Remainder Trusts (CRTs) to help clients make significant charitable contributions while reducing their current income tax liability, avoiding capital gains taxes on appreciated assets, and generating a potential income stream.

Level 5: Premium Finance

For clients with significant assets and high insurance needs, this service focuses on leveraging a specialized financing tool to acquire large insurance policies.

Definition and Application: Premium finance is the practice of borrowing money from a third-party lender to pay for insurance premiums.

Client Benefits: This strategy allows clients to secure large life insurance policies without liquidating existing assets, preserving cash flow for other investments or business operations. It is often used for estate planning, business succession planning, and creating a tax-advantaged asset class.

Our Role: We will serve as the expert advisor, working with clients and lenders to structure the loan, assess the financial viability, and integrate the strategy into overall tax and financial plan.

Level 6: Loans & Mortgage Planning

This service provides strategic guidance on borrowing, ensuring that debt is used as a powerful tool for growth and wealth creation.

Commercial Loan Planning: Assisting business owners in securing favorable financing for expansion, equipment purchases, or working capital.

Residential Mortgage Planning: Guiding clients through the process of obtaining new mortgages or refinancing existing ones, with a focus on optimizing interest rates, terms, and tax deductibility.

Strategic Integration: Our planning considers not just the immediate loan terms, but also how the debt fits into the client's long-term financial and tax strategy.