{"id":258,"date":"2020-07-30T16:50:12","date_gmt":"2020-07-30T16:50:12","guid":{"rendered":"https:\/\/rtscustomsite.com\/seangray\/?page_id=258"},"modified":"2021-11-19T15:01:14","modified_gmt":"2021-11-19T15:01:14","slug":"hvac-business-owner","status":"publish","type":"page","link":"https:\/\/rtscustomsite.com\/seangray\/hvac-business-owner\/","title":{"rendered":"HVAC Business Owner"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"258\" class=\"elementor elementor-258\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27467c8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27467c8e\" data-element_type=\"section\" data-e-type=\"section\" 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d=\"M15.6,13.2c0-0.1,4.3,0,6.7,0.5c2.4,0.5,5,1.9,5,2c0,0.1-2.7-0.8-5.1-1.4\tC19.9,13.7,15.7,13.3,15.6,13.2z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d890e27\" data-id=\"1d890e27\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d040d7a elementor-widget elementor-widget-heading\" data-id=\"1d040d7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Case Design<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1c95b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2d1c95b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-39ac95a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39ac95a1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3eaa8501\" data-id=\"3eaa8501\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3cf27c6a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cf27c6a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76b9fc07\" data-id=\"76b9fc07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78408035 elementor-widget elementor-widget-text-editor\" data-id=\"78408035\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Background<\/strong><\/h3>\n<p>A client operated a successful HVAC business for many years. The business generated approximately $300,000 in cash flow and was in a C Corporation. Like many C Corporations we come across, the prior \u201cstrategy\u201d was to pay the profit out in W-2 wages to avoid double taxation, while overpaying FICA.<\/p>\n<h5><strong>Fortunately, they called one of our managing Directors and Redwood Tax Specialists!<\/strong><\/h5>\n<h3><strong>The Plan <\/strong><\/h3>\n<p>The client wanted a five to seven year exit strategy and is extremely conservative and wanted fixed\/guaranteed options for any retirement balances. Based on the client\u2019s preferences, cash flow needs, and budget, we designed their custom tax plan:<\/p>\n<ul class=\"lp-list text-align-left font-scale-5 line-height-scale-6 lp-list--bullet\" data-guid=\"d5a8f558-e29e-c678-1d98-e7f81a78a103\">\n<li>Reduced W-2 wages to $80,000 per year with a compensation study, cutting FICA tax in half.<\/li>\n<li>Implemented a retirement plan contributing $200,000 annually, of which 90% was for the owners\u2019 benefit.<\/li>\n<li>Optimized the corporate structure to reduce rates and avoid double taxation.<\/li>\n<li>Created a retirement savings plan and exit strategy utilizing fixed return and guaranteed options to achieve the retirement goals, while eliminating risk i<span class=\"font-scale-5\">mplemented an insurance strategy through the business to make the payments tax-deductible.<br><\/span><\/li>\n<\/ul>\n<h3><strong>The Results<\/strong><\/h3>\n<p>Combined Federal &amp; State taxes were reduced from $116,000 per year to $83,026 in 2016,&nbsp; $45,626 in 2017, and $11,027 in 2018. In only three years, the client\u2019s net worth increased by over $200,000. With zero investment risk, the client has a guaranteed lifetime retirement income benefit in excess of what they previously thought was unreachable. The client is in a position after only three years to retire comfortably, compared to their desired goal of five to seven years that was unreachable under their previous plan, and the client has been taking the opportunity to travel the world with family now that there is a clear path forward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e3a66d elementor-widget elementor-widget-global elementor-global-1681 elementor-widget-button\" data-id=\"0e3a66d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/rtscustomsite.com\/seangray\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span 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tabindex=\"-1\">Pediatrician<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1155\"><a href=\"https:\/\/rtscustomsite.com\/seangray\/holistic-tax-design\/\" class=\"elementor-item\" tabindex=\"-1\">Holistic Tax Design Is Key<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-594f1ba4 elementor-widget elementor-widget-image\" data-id=\"594f1ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/rtscustomsite.com\/seangray\/wp-content\/uploads\/sites\/76\/2020\/07\/people-along-hallway-of-concrete-building-1666667.jpg\" class=\"attachment-large size-large wp-image-87\" alt=\"\" srcset=\"https:\/\/rtscustomsite.com\/seangray\/wp-content\/uploads\/sites\/76\/2020\/07\/people-along-hallway-of-concrete-building-1666667.jpg 1000w, https:\/\/rtscustomsite.com\/seangray\/wp-content\/uploads\/sites\/76\/2020\/07\/people-along-hallway-of-concrete-building-1666667-300x200.jpg 300w, https:\/\/rtscustomsite.com\/seangray\/wp-content\/uploads\/sites\/76\/2020\/07\/people-along-hallway-of-concrete-building-1666667-768x513.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46a733ea elementor-widget elementor-widget-text-editor\" data-id=\"46a733ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><em>&#8220;Your secret weapon in the world of tax reduction&#8221;<\/em><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Case Design Background A client operated a successful HVAC business for many years. The business generated approximately $300,000 in cash flow and was in a C Corporation. Like many C Corporations we come across, the prior \u201cstrategy\u201d was to pay the profit out in W-2 wages to avoid double taxation, while overpaying FICA. Fortunately, they [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-258","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/pages\/258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/comments?post=258"}],"version-history":[{"count":16,"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/pages\/258\/revisions"}],"predecessor-version":[{"id":1733,"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/pages\/258\/revisions\/1733"}],"wp:attachment":[{"href":"https:\/\/rtscustomsite.com\/seangray\/wp-json\/wp\/v2\/media?parent=258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}