A CPA's Complete Tax Framework for Business Owners

The wealthy don't pay less
in taxes by accident.
They have a framework.

17 professional-grade tools covering the core strategies that drive the greatest tax savings for business owners: entity structure, retirement, real estate, deductions, exit planning, and audit protection.
Now you have the same framework the wealthy have always had.

17 Professional Tools · 24 Print-Ready CPA Briefs · Built by a Licensed CPA · 2026 Tax Year
$42K
Average annual tax overpayment
by business owners
94%
Of that overpayment is legal,
documented strategy left unused
$997
One-time access to the complete
framework that closes the gap
Why a CPA Built This
There is a version of your business where you keep significantly more of what you earn.

Not by working harder. Not by taking risks you are not comfortable with. By knowing what the tax code actually says, and building your business around it, the way wealthy people have always done.

I have spent twenty years inside the books of business owners who built real things. People who sacrificed, who hired, who showed up every day and created genuine value. And I watched, year after year, as a significant portion of what they built walked out the door in taxes that were never legally required.

Not because they cheated. Because no one showed them the system.

That is not an accident. Proactive tax strategy has always lived inside private client relationships, behind hourly rates most business owners never justify until it is almost too late. The people who benefit most from the tax code are the people with a team sitting down with them before the decisions are made, not after.

If you have ever felt like the tax system was built for someone else, you were not wrong. It was built for people with better access than you have had.

This framework changes that.

Every tool in it, every brief, every calculation, was built from the same work I do with private clients before we ever sit down together. I put it into a system because the gap between what business owners pay and what they are required to pay is one of the largest, most correctable financial problems I have seen in two decades of practice.

You have already done the hard part. You built the business. Now let us keep more of it.

Wes Kirtz, CPA
20 Years in Private Client Tax Practice
How most business owners play the game
Earn. File. Pay. Repeat.
Hand documents to a CPA in March. Receive a number in April.
Pay self-employment tax on every dollar of profit because the structure never changed.
Leave retirement contributions on the table because no one modeled what was actually available.
Own real estate but depreciate it on the standard 27.5-year schedule.
Plan an exit without knowing that seven different structures exist and that choosing the wrong one is permanent.
Build a business. Pay taxes. Leave nothing structured for the next generation.
How Wealth Framework owners play it
Structure. Shelter. Build. Legacy.
S-Corp election with documented reasonable compensation eliminates self-employment tax on distributions.
Solo 401(k) or Cash Balance Plan shelters up to $72,000 or more annually from federal tax.
Cost segregation accelerates decades of depreciation into year one.
Income shifting routes dollars to lower-bracket family members legally, with proper documentation in place.
Exit is modeled years in advance across all seven structures, not discovered at the closing table.
Every strategy feeds into a wealth architecture that compounds in value over time.
Free Tool — No Email Required

Find Your Number.
Right Now.

Ten questions. Sixty seconds. Your personal tax gap estimate broken down by strategy — the number most business owners have never seen.

Question 1 of 10
Question 1 of 10
What is your estimated net annual business profit?
Before taxes, after business expenses. Use last year's figure if this year is still in progress.
$200,000
$50K$500K$1M$2M+
Question 2 of 10
What is your federal filing status?
Affects your tax brackets, QBID thresholds, and overall tax liability calculation.
Question 3 of 10
How is your business currently structured?
This single decision affects more of your tax bill than almost anything else.
Question 4 of 10
Are you maximizing a tax-advantaged retirement plan?
This is the most underutilized legal tax shelter available to business owners. 2026 Solo 401(k) limit: $72,000.
Question 5 of 10
Do you own investment real estate?
Real estate is Pillar Two of the Wealth Framework and one of the most powerful tax shelters legally available.
Question 6 of 10
Are you using a home office deduction or the Augusta Rule?
Two mutually exclusive strategies. But either one captures deductions most business owners miss entirely.
Question 7 of 10
Are you capturing vehicle deductions with the optimal method?
Standard mileage ($0.725/mile in 2026) vs. actual expense with depreciation: the difference can be significant, especially for heavy vehicles.
Question 8 of 10
Does your S-Corporation have a written accountable plan in place?
An accountable plan allows the S-Corp to reimburse you tax-free for business expenses: phone, home office, vehicle, equipment, and more.
Question 9 of 10
Does your CPA do proactive tax planning or just file your return?
There is a significant difference between a CPA who files what happened and one who plans what will happen. The cost of reactive tax preparation is real and quantifiable.
Question 10 of 10
Are you using income shifting strategies?
Family employment, spousal payroll, and management fee structures legally move income to lower-bracket family members. Related strategies also in this category: income deferral (controlling when income is recognized through invoice and bonus timing) and installment sales (spreading gain recognition across multiple tax years on asset sales). One of the most underutilized strategy categories available.
Your Estimated Annual Tax Gap
Based on your inputs, you may be leaving approximately
$0
estimated annual gap · conservative methodology
Estimated 5-Year Gap
$0
At current trajectory without strategy changes
5-Year Compounded If Invested
$0
Annual savings invested at 8% average return over 5 years
Where the Gap Comes From
Each row shows an estimated gap between your current approach and an optimized strategy. Gaps marked in red represent areas where money is likely leaving unnecessarily.
Estimated Total Annual Gap
$0
What This Number Represents
This is not the cost of doing something illegal. Every dollar in this estimate represents strategies that are fully legal, well-established, and used by sophisticated business owners every year.
The Wealth Framework
The tools to close
every gap above.
Seventeen professional-grade tools built by a licensed CPA — the same framework used with private clients, now available as a complete self-guided toolkit. Every tool you need to structure correctly, shelter aggressively, and exit on your terms.
Get Instant Access — $997 →
$997 · Instant Access · No Subscription
Built by a licensed CPA · 2026 tax year · Works for any business structure
17 Tools. 24 CPA Briefs. 51 Strategies.
01Why This Matters
02Framework Overview
03Wealth Blueprint
04Tax Gap Estimator
05Entity Decision Tree
06Entity Comparison
07Reasonable Comp + QBID
08S-Corp Conversion Analyzer
09Retirement Plan Comparison
10Real Estate Tax Strategy
11Home Office + Vehicle
12Family Employment
13Accountable Plan Template
14Business Documentation Kit
15Exit Planning Analyzer
16Audit Readiness Profile
17Strategy Summary + CPA Briefs
+Tax Planning Calendar
Federal estimates only. Your state tax gap is additional and varies by state.
Methodology & Assumptions Estimates use conservative assumptions based on 2026 IRS figures (brackets per Rev. Proc. 2025-32), standard industry benchmarks, and typical outcomes for business owners at each income level. SE tax savings assume S-Corp election with reasonable compensation per IRS guidelines. Retirement gap assumes Solo 401(k) at federal marginal rate. Real estate gap assumes cost segregation on $300K property value at marginal rate. Home office estimated at 200 sq ft in average home. Vehicle gap assumes 15,000 business miles. Accountable plan estimate based on typical annual reimbursable expenses. CPA planning gap based on documented differences in tax outcomes between proactive and reactive clients. All figures are estimates: actual results vary significantly based on individual circumstances. This tool does not constitute tax advice. Always consult a licensed CPA before implementing any strategy.
Email me my results
I want to keep this number. Send my gap breakdown to my inbox.
No spam. One email with your gap breakdown. Unsubscribe any time.

Now you have a number. That number is not hypothetical.
It is what you will pay in excess taxes this year if nothing changes.

Get The Framework That Closes It →
Choose Your Starting Point
Two Ways to Start
Start Here
The 7 Tax Moves Every Business Owner Must Make
$27
The foundation strategies in plain language, with implementation steps and a direct path to the full framework. Read it before your next CPA meeting. Walk in with a strategy instead of questions.
Get the $27 Guide →
Complete System
The Wealth Framework
$997
All 17 tools. 24 CPA briefs. 51 strategies. Complete access, instant delivery. The full system for closing every gap the estimator found.
Get Instant Access — $997 →
The complete system

Four pillars. Every strategy.
One architecture.

Most business owners work one or two pillars, usually the obvious ones. The Wealth Framework is the first time all four are in one place, connected, and designed to compound together over time.

01
Entity and Active Income
S-Corp election, reasonable compensation, QBID optimization, accountable plan structuring. The foundation everything else is built on, and the pillar most owners have only partially addressed.
02
Real Estate and Passive Income
Cost segregation, Real Estate Professional Status, the Short-Term Rental loophole, 1031 exchange, Delaware Statutory Trust. The highest-impact tax shelter available outside of retirement, and the one most owners leave entirely untouched.
03
Retirement and Shelter
Solo 401(k), SEP-IRA, Defined Benefit, Cash Balance Plan. Full contribution modeling, SECURE 2.0 compliance, and the comparison that changes the number every time it's actually run.
04
Protection, Legacy, and Exit
Income shifting, family employment, audit readiness, and seven exit structures modeled side by side. The strategies that compound in value over time, and that most owners only discover when they're already in the middle of a transaction.

Seventeen tools. One for every strategy.

01
Wealth Blueprint
Your complete financial architecture in one diagram
02
Tax Gap Estimator
Your annual gap by strategy category
03
Entity Decision Tree
LLC vs. S-Corp vs. C-Corp, interactive analysis
04
Reasonable Comp Calculator
IRS-defensible salary modeling with QBID impact
05
Tax Strategy Checklist
51-item implementation tracker across all pillars
06
Tax Planning Calendar
Every deadline and strategy window, nothing missed
07
Retirement Plan Comparison
Solo 401(k) vs. SEP vs. DB vs. Cash Balance
08
Home Office and Vehicle
Augusta Rule, home office, standard vs. actual expense
09
Audit Readiness Profile
Eight-category IRS documentation self-assessment
10
Real Estate Tax Strategy
REPS, STR loophole, cost segregation, DST, 1031
11
Family Employment Calculator
Children, spousal payroll, and management fees modeled
12
S-Corp Conversion Analyzer
Net savings after all costs, side by side
13
Exit Planning Analyzer
Seven exit structures modeled: installment, CRT, QOZ, QSBS, 1031, DST, straight sale
14
CPA Strategy Briefs
24 print-ready briefs, one per strategy, formatted for your CPA
15
Strategy Summary
Your printable implementation roadmap
16
Accountable Plan Template
IRS-compliant corporate policy, ready to sign
17
Business Documentation Kit
Management agreements, employment contracts, officer resolutions
+
Wealth Architecture Score
0 to 100 implementation score across all pillars
What You're Getting

Everything a Private Client Gets.
None of the Hourly Rate.

Built by a licensed CPA with twenty years of private client experience. Every tool reflects real strategy decisions made with real clients — now available without the hourly rate.

Entity structure consultation Understanding LLC vs. S-Corp vs. C-Corp with your actual numbers
$500–$800
Annual tax strategy engagement Proactive planning session with a CPA before year-end
$3,000–$8,000
Exit planning analysis Modeling sale structure, installment, CRT, QOZ for a single transaction
$2,500–$6,000
Retirement plan optimization Comparing vehicles and modeling contribution limits at your income
$400–$600
Real estate tax review Cost segregation analysis, depreciation schedule, STR election review
$1,200–$2,500
24 strategy brief documents Pre-built implementation briefs for every major tax strategy
$2,300–$4,600
Professional equivalent value
$9,900–$22,500
Your Investment
$997
One-time · No subscription · Instant access
Who This Is Built For
For business owners and high-net-worth individuals
ready to play a different game.

The Wealth Framework is for anyone who has built real income and is ready to build real wealth. Not remedial. Not beginner. A complete, professional-grade system for the owner who is ready to think the way people who consistently pay less in taxes actually think.

Business owners who want to understand and actively manage their tax position, not just receive a number each spring.
High-net-worth individuals who want a single reference system covering every major strategy across entity structure, real estate, retirement, and exit planning.
Anyone thinking about an exit in the next three to ten years who wants to understand their options before the transaction starts.
Business owners ready to start building a legacy through income shifting, family employment, and estate structure rather than just managing this year's bill.
Anyone who wants to walk into their CPA's office with a framework, not just questions.

The framework is ready.
Are you?

The strategies in this toolkit have been used by wealthy business owners for decades. The only difference was access. Now you have it.

Get Access
Or scroll up and run the free estimator first
The Decision

You Already Know What You're
Leaving on the Table.
The Only Question Is Whether
You Keep Leaving It There.

Every year without this framework is a year you pay a premium for the privilege of being unprepared. The math does not care whether you are busy. The IRS does not offer a catch-up program for strategy you never implemented.

Complete Access · Instant Delivery
$997
One-time payment · No subscription · No upsells
◈ 17 professional tax tools — 2026 figures, live calculations
◈ 24 print-ready CPA strategy briefs
◈ Exit Planning Analyzer — 7 structures with your numbers
◈ S-Corp Conversion Analyzer — with QBID interaction
◈ Complete audit documentation kit
◈ Tax Planning Calendar — every 2026 deadline mapped
◈ Strategy Summary — print and hand to your CPA
Get Instant Access — $997 →
60-Day Guarantee

Go through the framework, run the tools with your numbers, and identify at least one strategy worth implementing with your CPA. If you do not believe this framework is worth at least $997 in identified annual savings, contact us within 60 days and we will refund you in full. No complicated documentation required.

Or start with the $27 guide and work your way up.

Common Questions

Do I need to be a CPA or tax expert to use this? +
No. The tools are designed to be used by business owners, not accountants. They explain the strategy in plain language, show you your numbers, and then give you a brief to hand your CPA. You bring the framework. Your CPA brings the implementation. That's the intended workflow.
I already have a CPA. Why do I need this? +
Because your CPA is reactive by default. They see your numbers after the year ends. This framework makes you proactive — you're bringing them strategy before the decisions are locked in. Most CPAs welcome clients who come in prepared. The briefs are formatted specifically to make that conversation efficient and actionable.
How does delivery work? What exactly do I get? +
Immediately after purchase you receive instant access inside your secure member portal. All 17 tools run in your browser — no download, no installation, no software required. Access from any device at any time.
Are the tax figures actually current? +
Yes. All calculators use 2026 IRS figures: brackets per Rev. Proc. 2025-32, contribution limits, standard deductions, SS wage base, mileage rate, and QBID thresholds. Every figure is sourced and cited within the tools.
What if my situation is complicated — multiple entities, real estate, an upcoming exit? +
This framework was built specifically for complex situations. The exit planning analyzer handles seven different exit structures simultaneously. The real estate module covers cost segregation, bonus depreciation, and the STR loophole. Entity complexity is addressed across the decision tree, S-Corp analyzer, and QBID optimizer. More complexity means more opportunity — and more value from having the framework.
Is this tax advice? +
No. This is an educational framework that helps you understand your options and prepare for conversations with your licensed tax professional. All tools include appropriate disclaimers. The intended use is to inform and prepare — your CPA implements. Always consult a licensed professional before executing any tax strategy.
Why $997 and not more — or less? +
The professional equivalent of what's in this framework — entity analysis, exit planning, retirement optimization, 24 strategy briefs — runs $9,000–$22,000 in CPA time. We priced it at $997 to be accessible to the business owners who need it most and can't yet afford a full private client engagement. At $200K net profit, identifying a single $20,000 annual tax gap makes the ROI 20:1 in year one.