Why CPAs Should Think Beyond the Tax Return

As a CPA or accountant, you focus on tax returns and cash flow analysis. As an estate planning attorney, you focus on wills and trusts. I focus on helping your clients to 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.

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 professionals and business owners find themselves locked out of traditional tax-free retirement vehicles. Because their earnings exceed the IRS income thresholds, standard Roth IRAs are completely off-limits.

To bypass these strict regulations, 85% of Fortune 500 executives turn to a sophisticated financial strategy: Life Insurance Retirement Planning (LIRP).

This is not a basic term life policy. When structurally optimized, a LIRP functions as a powerful wealth accumulation vehicle that generates massive, tax-free distributions at any age—completely free from the rigid restrictions, headaches, and penalties of a Roth IRA.

The LIRP Advantage: Ultimate Flexibility & Protection

Unlike traditional qualified retirement plans, a properly structured LIRP offers unparalleled freedom and financial security:

• No Income Restrictions: Qualify and participate regardless of how high your annual income climbs.
• Virtually Unlimited Contributions: Bypass the low annual caps enforced by the IRS on standard retirement accounts.
• No Calendar Deadlines: Fund your strategy on your own timeline without the stress of April 15th deadlines.
• Flexible Catch-Up Provisions: Utilize structured back-payments to maximize your wealth accumulation.
• Penalty-Free Liquidity: Access your cash value with zero taxes and zero IRS early withdrawal penalties, even before age 59½.
• Market Downside Protection: Capture and lock in the upside potential of major indices (like the S&P 500) while guaranteeing zero market losses.
• Permanent Legacy Benefit: Secure a meaningful, tax-free permanent life insurance death benefit for your heirs.

Decades of Trusted Expertise, Built on Legacy

I began my career with New York Life, one of the nation’s premier financial institutions, where I spent 12 years mastering the complexities of the life insurance industry. For me, this profession is a lifelong calling. My father dedicated 43 years to New York Life, and my brother contributed another 37 years. With nearly a century of collective family experience, strategic risk management and financial protection are truly part of my DNA.

When you work with me, you are partnering with a deeply knowledgeable specialist who understands the intricate mechanics of sophisticated insurance strategies.

Independent Analysis & Custom SolutionsI partner with CPA firms and tax professionals to provide their clients with institutional-grade insurance consulting. Rather than offering boilerplate recommendations, I deliver a meticulous, conflict-free approach to asset protection:

• Analytical Needs Assessment: I strip away the guesswork. I help your clients mathematically define exactly how much coverage they require, providing clear, transparent rationale for every recommendation.
• Independent Multi-Carrier Shopping: I am not captive to a single carrier. I source and compare products across the industry’s top A+ rated companies.
• Tailored Financial Alignment: Every strategy is customized to perfectly align with the unique financial structures of your clients' families, estates, and corporate entities.

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.