PBI-MONEY

Sample Cases

Finding attractive solutions for clients within the complex and ever changing tax structure is a challenge for all professional advisors. Those who stay at the leading edge with study, technology, resources and a collaborative mind set have the advantage for their clients today.

Delivered results are how we ask our clients to evaluate our performance.

Case # 1: A Small Business Owner-- This business owner runs a small manufacturing company with stable market but narrow margins. He has moved to out soured contract employees and has zero W-2 employees. At age 51 he can see the business surviving with small but steady growth. The entity structure is Sub-S Corporation. The company set up a profit sharing qualified plan but was never funded. He is spending $18, 000 after tax per year for Life insurance.

It’s not always easy to bring people and their advisors new workable ideas but sometimes we can break through!

Case # 2: The Reluctant Doctors Group- A group of 5 doctors doing well in their practice. Three of them had different advisors and two of them the same one was used. They were quit reluctant to listen to any outside information and felt they were “all set”. We were referred to one of them at the insistence of his new CPA. They finally agreed to meet based on the concept that this would be nothing more than a “second opinion” for them. How ironic is that! Upon review we discovered even though they were making contributions to pension plans for their members, they were using a less efficient qualified plan……………

Sell the farm and pay no taxes!: There are many advanced planning tools that canminimuize the effect of taxes but more importantly solve real life situations—here is an example……
Do you know how to Position real estate and have all the future gain with ZERO income tax.: It make great sense to do this and even possibly get current income tax deductions

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Delivered results are how we ask our clients to evaluate our performance.

(Wants more tax deductions. Currently has locked up assets in a plan that is not producing current benefits. Needs the life insurance but can’t afford the big premium in this economic cycle. Wants to keep coverage but lower the costs significantly. Has advice to drop what he has a buy new term insurance instead. )