Why CPAs Should Think Beyond the Tax Return

You focus on tax returns and cash flow analysis. I focus on helping your clients protect what they have worked so hard to build. As you guide them in growing their businesses, practices, and wealth, I support that work through the appropriate use and placement of powerful financial solutions—such as disability income protection (DI), business overhead expense protection (BOE), and tax-advantaged retirement planning strategies—all recommended in alignment with your guidance.

To ensure you feel confident in your referral to me as a professional peer and my recommendations to the client, I will always refer them back to you so you can review them and provide any feedback or input before moving forward. 

I bring to the table, more than 31 years of experience helping small business owners, families, and business and medical professionals plan for long-term financial security. This depth of experience allows me to provide thoughtful, practical guidance and customized solutions designed to help protect the futures they are working so hard to build.

I understand that many people view testimonials with a degree of skepticism. In this industry, it is common to see only a handful of brief comments, often identified by little more than initials and a general location. The testimonials I have earned are different. They represent years of trust, meaningful client relationships, and real results. Most are detailed, substantive comments rather than simple one-line endorsements, and they are supported with full contact details to help establish legitimacy and credibility 

In addition to leading my firm, I bring added credibility as a recognized author and insurance and financial columnist. My work has appeared in several respected publications and business journals, including the Spokane/Kootenai Journal of Business, The Wenatchee World, Broker World, O&P Business News, and others.

Would it bother you if one of your tax clients had to close their doors beause they got seriously ill or injured and were not preared? I specialize in "Business Overhead Expense" or (BOE). This is a type of disability insurance that is specifically designed to help keep the doors open by reimbursing the business for their routine monthly business expenses like salary & related taxes, lease or rent, utilities, commercial or professional insurance premiums or commercial loan payments. Another advantge is that PREMIUMS are 100% TAX-DEDUCTIBLE. 

Would it bother you if your tax client got seriously sick or hurt and they could not work to earn a living and maintain their lifestyle and quality of life? DI is the single most critically important area of financial planning and proper risk management - yet almost always the most neglected or overlooked. I am an EXPERT. Your clients are in excellent hands. I have access to the best highly-rated competitive companies with the best contract definitions, language and riders.

Guaranteed lifetime income is not reserved for government workers. Annuities allow individuals, couples, business owners, and self-employed people to build their own personal pension. For many retirees, the difference between worrying and relaxing is not how much money they have — it is whether they have income

they cannot outlive. If used within a Roth IRA or rollover from a Roth 401K, you essentially have a "TAX-FREE pension." Non-qualified annuities grow tax-deferred until withdrawal. If life insurance proceeds are used, a widow or widower can be set up with a "love letter for LIFE!"

Many high-income tax clients earn too much money to qualify for a Roth IRA. They may very much want tax-free income in their retirement years, but their income is over the IRS income threshold so Roth IRAs are off-limits to them. 85% of Fortune 500 CEOs are in the same preddicament and turn to a powerful concept called "Life Insurance Retirement Planning" or (LIRP). This is not your basic Term life policy. Properly designed, this extremely powerful concept can be used to create massive tax-free distributions in retirement or any other age without any of the headaches or restrictions of Roth IRAs:

• NO income limiting restrictions to qualify.
• Almost unlimited contribution amounts.
• No April 15th deadlines.
• Backpayments are allowed to "catch-up."
• NO taxes and no IRS early withdrawal penalties before the age of 59 1/2. 
• Can be desined to capture and lock-in the upside gains of an index like the S&P 500 but with guaranteed ZERO market losses. All upside - no downside.
• Includes a tax-free permanent life insurance legacy death benefit.
• Ideal for small business owners or solo medical or business practitioners who want to reward their top employees on on a pick-and-choose basis based on merit with no rules associated with qualified plans like 401Ks. 

I was hired and trained  by New York LIfe, one of the premier life institutions out there and was there for 12 years. My father was with NYL for 43 years and my brother for 37 years. Life insurance is in my blood. You will be hard-pressed to find a better, more experienced expert at life insurance than me. I can assist your tax clients with analytically determining how much life insurance they actually need - and why, and help them to shop among top A+ rated companies to determine which solutions make the most appropriate sense for them and their business and their family.