Your Business Should
Fuel Your Wealth.
Stop treating your business like a job. We help you implement S-Corp Optimization, the Augusta Rule, and advanced strategies to keep more of what you earn.
Stop Being a "Tax Victim"
The tax code was written FOR business owners. Every major deduction and incentive is designed to reward you for taking risks and creating jobs.
Yet, most small business owners treat taxes as an afterthought. They meet their CPA once a year in April, get a surprise bill, and complain. This is reactive.
The "April Surprise"
If you are talking to your CPA only during tax season, it is too late to save money. The books are closed. The year is over.
Real tax planning happens in June, October, and December. It involves making strategic decisions BEFORE the year ends to legally reduce your liability.
The "Self-Employment" Tax Trap
Most new businesses start as Sole Proprietorships. It's easy to set up, but it's a tax nightmare once you become profitable.
You pay 15.3% Self-Employment Tax (Social Security & Medicare) on every single dollar of profit, on top of your income tax.
Example: $100,000 Profit
- $15,300 (SE Tax)
- $20,000 (Income Tax)
= $64,700 Take Home
The Solution
We implement the S-Corporation Election. This allows us to split your income into "Salary" (subject to SE tax) and "Distributions" (NOT subject to SE tax). This single move often saves our clients $8,000 - $15,000+ per year.
Entity Structure & Salary
The "Reasonable Salary" Game
The key to S-Corp savings is paying yourself a "Reasonable Salary"—not too high (wastes tax savings) and not too low (triggers IRS audit).
- RC Reports AnalysisWe don't guess. We use IRS-defensible data (RC Reports) to determine the lowest defensible salary for your role, maximizing your tax-free distributions.
- LLC vs. S-Corp vs. C-CorpMost small businesses should be S-Corps. However, venture-backed startups often need C-Corps for QSBS (Section 1202) eligibility (tax-free exit). We help you choose the right vehicle.
When to Switch?
The S-Corp isn't free. You have to run payroll (extra cost) and file a separate tax return (Form 1120-S).
The "Break-Even Point" is typically around $40,000 - $50,000 in Net Profit.
If you are making more than this and are still a Sole Proprietor, you are literally donating money to the government. We can often make the election retroactively (Late Election Relief) to recapture savings from the current year.
Advanced Deductions
The Augusta Rule
Rent your home to your biz for up to 14 days/year. Business gets a deduction; you get tax-free income.
Hiring Children
Shift income to their 0% tax bracket (up to ~$14k). Deductible wages for you, tax-free for them.
Section 199A (QBI)
The "Pass-Through Deduction." Understand how to qualify for this 20% deduction on net business income, even if you are in a "Specified Service Trade" (SSTB).
Travel Blending
The "Sandwich Rule." Schedule business on Friday and Monday to make the weekend stay deductible.
Buying Assets Smartly
Don't just buy things to "get a write-off." That's spending a dollar to save 37 cents. Buy assets that generate ROI and provide tax benefits.
Vehicle Strategy (Section 179)
SUVs/Trucks over 6,000 lbs (GVWR) can often be written off 100% in Year 1. We compare this against the Standard Mileage Rate to see which wins.
Medical Reimbursement (HRA)
If your spouse is your only employee, a Section 105 HRA allows you to reimburse their (and your) family medical expenses as a business deduction. This turns non-deductible healthcare costs into business expenses.
Bonus Depreciation Tracker
*Restored to 100% by the Omnibus Bill (OBBBA).
Supercharged Retirement
Forget the $7,000 IRA limit. Business owners have access to the most powerful retirement vehicles in the tax code.
Solo 401k
The ultimate tool for solopreneurs. Contribute as both employer and employee. Total limit up to $69,000 (2024). Includes Roth option.
SEP IRA
Simpler to set up than a 401k. Allows employer contributions up to 25% of compensation. Great for high-income businesses with no employees.
Cash Balance Plan
For the ultra-high earners ($500k+ profit). Stack this on top of a 401k to shelter an additional $200k+ annually.
The "Tax-Free" Millionaire
By combining a Solo 401k with the Mega Backdoor Roth strategy, a business owner can put away $69,000+ per year.
If you do this for 15 years at 8% growth, you will have over $2 Million completely tax-free.
Start Building WealthScale Your Business.
Don't let taxes be the leak in your bucket. Let's implement a strategy that keeps your cash flow where it belongs—in your business.