5 Cash Flow Strategies for Real Estate Investors

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Cash Flow Strategies for Real Estate Investors

Introduction

As a real estate investor, one of the biggest benefits that you can now take advantage of is the tremendous tax benefits that are now available to you. Most people don’t think this way, but the reality is: Tax savings is not just about paying less taxes. Tax savings means more cash flow. Tax savings means you and your family have more money each and every month. The truth is: Tax savings is the secret weapon to increasing your cash flow and supercharging your wealth building.

As a real estate investor, you now have at your disposal a gigantic toolkit of strategies that you can use to minimize your taxes each and every year! Our mission is to empower you with information you need to know to have a powerful tax savings plan. The goal is to shift money that would otherwise go to the IRS back into your pocket. You may be wondering just how exactly we can accomplish this. Well, the answer is simple- with tax loopholes that are legally allowed by the IRS. If you don’t know what a tax loophole is- a loophole is a tax incentive provided by our government as a way of encouraging the economy to grow. It should come as no surprise that the majority of tax loopholes are found in the areas the government would like us to concentrate on. Starting and operating our own businesses and investing in real estate. It’s classic “carrot and stick” psychology.

Many loopholes are quite well known. For example, if you own your own home you can potentially deduct all of the interest you pay on your mortgage. Other loopholes are hidden little treasures. They take a bit more looking to uncover, but like most treasures, they are very worthwhile.

It’s not that our government doesn’t want you to find these loopholes; it’s just the reality of our present IRS Tax Code - a multiple headed monster, growing larger and more complex by the day. There are tons of loopholes that are available for all of us to take advantage of as real estate investors. In fact, there are so many that we have taken the time to carefully select some of the most powerful tax loopholes specifically developed for real estate investors in our home study course: 101 Tax

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Loopholes for Real Estate Investors. If you’re serious about taking advantage of all the loopholes that you are legally entitled to, then visit our website at www.KeystoneCPA.com to find out more about this home study course.

As we discussed earlier, tax savings is more than just minimizing your tax liabilities. Tax savings means more cash flow for you to enjoy, grow and invest. We will be sharing with you five tax strategies that you can use as a real estate investor to save taxes and increase your cash flow.

Please note that the examples referenced to within this eBook are all based on actual client cases. The strategies, details, and numbers all depict actual client cases. As such, the names have been changed to protect the privacy of our clients utilized in this eBook.

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Disclaimer Information Only - Not Legal Advice

This publication is designed to provide general information regarding the subject matter covered. It is not intended to serve as legal, tax, or other financial advice related to individual situations. Because each individual's legal, tax, and financial situation are different, specific advice should be tailored to their particular circumstances. For this reason, you are advised to consult with your own attorney, CPA, and/or other advisor regarding your specific situation.

The information and all accompanying material are for your use and convenience only. We have taken reasonable precautions in the preparation of this material and believe that the information presented in this material is accurate as of the date it was written. However, we will assume no responsibility for any errors or omissions. We specifically disclaim any liability resulting from the use or application of the information contained in this eBook.

To ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and it cannot be used for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Always seek advice based on your particular circumstances from an independent advisor.

Any disclosure, copying, or distribution of this material, or the taking of any action based on it, is strictly prohibited.

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Copyright 5 Cash Flow Strategies for Real Estate Investors

A Keystone CPA, Inc. Publication

Copyright 2011 by Keystone CPA, Inc. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopied, recorded, or otherwise, except in the case of brief quotations embodied in critical articles or reviews, without the prior written permission of the publisher. For more information, write 1912 N. Batavia St. Suite J Orange, CA 92865 or visit www.KeystoneCPA.com.

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Shifting Personal Expenses into Legitimate Business Deductions

We all want to save money on our taxes. But the biggest question is “how”?

Let’s start off by talking about how to save taxes by maximizing our tax deductions. Now we all know that money we spend that directly relates to our business or investments are tax deductible items. But in order to ensure that we maximize our tax write-offs, we also need to know how to legally shift personal expenses into legitimate business deductions.

A common question that most people have is really understanding what you can and cannot deduct as business expenses. Nowadays when it comes to running a business, we often find ourselves using our personal cell phones, laptops, our vehicles, and all sorts of other gadgets in the course of day to day business operations. We may even have our children or our retired parents help in the business. So the question is: How can we turn personal everyday expenses into business deductions legally?

Do you use your car, cell phone, laptop, iPad or other personal items for your business? What about hiring your kids for your business? Are you confused as to what you can legitimately deduct as part of your business expenses?

Not knowing what items you can legally shift from your personal bucket to legitimate business deductions can be frustrating to say the least. In this day and age, it has become harder and harder to distinguish between personal vs. business expenses. How many of us use our cell phone for business calls? Or use our personal car to pick up clients for a meeting? Many of our personal items may be used for our real estate business activities. You could be missing out on legitimate tax deductions if you do not know how to take advantage of the tax loopholes. If you don't know how to shift personal items into business deductions, you may be overpaying your taxes. One of the ways to make sure that you maximize your tax savings is to know what to deduct. That is exactly why we created our checklist of over 300+ tax deductions to help taxpayers make sure they take advantage of all the tax write-offs they are legally entitled to. For more information on our 300+ tax deductions checklist, visit our website at www.KeystoneCPA.com or call our office to find out more information at (877) 975-0975.

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Now, in addition to deducting our cars, cellphones, and meals, we can’t talk about shifting personal expenses into business deductions without talking about one of the biggest expenses that a lot of us have and that is our kids. One of our clients Shirley has a profitable consulting business and she is also a real estate investor. Shirley also has 2 sons in college both of whom are very interested in real estate. Throughout the years, Shirley had her boys help her look for properties online, make flyers, and help her in her real estate business to instill in them good work habits. That was all great but Shirley never paid them!

We helped Shirley to put her kids on payroll and legitimately incorporate them into her real estate business. In the first year of working with us, Shirley paid her sons $5,000 each which provided her with an additional $10k of tax deductions. We were essentially able to shift $10,000 from Sherri’s high tax rate of 38% to her son’s ZERO tax rate! A simple strategy that anyone can use but more importantly… Shirley did not have to spend any additional money to get this $10,000 tax deduction because this was money she was already giving her kids anyway.

The only difference is that now she is increasing her cash flow by using this income shifting strategy.

Now I know you probably have a ton of questions running through your mind right now so we are going to address some of the most frequently asked questions here.

One question we get very often is, how old do my kids have to be in order for them to work for me?

The answer is there is no age limit. Have you seen a diaper commercial? Those babies in the diaper commercials get paid! What this means is that when it comes to the IRS, there is no age minimum for paying your kids. However, you do need to make sure that the hours they work for you do not violate employment law and just as importantly, the tasks that you hire your kids for must be appropriate for their age and skill level.

Another question we got when we were teaching a room full of real estate investors in San Diego is, “Can I pay my 36 year old son who just moved back home because he lost his job?”

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The Answer is, YES! Just like there is no age minimum to paying your kids, there is also no age maximum as to when you can pay your kids. But remember, the same rules apply though in that you need to make sure that the hours they work for you do not violate employment law and the tasks that you hire them for must be appropriate for their skill level.

A final note on turning personal deductions into business expenses by shifting income. As our demographics change, we are seeing a lot of people who take care of one or even both aging parents who are in retirement. Here is the tax tip: if you are helping to take care of your parents who are in a lower tax bracket, consider paying them!! This is a perfectly legal way for you to save taxes by shifting income into lower tax rates as long as your parents can legitimately help you out in your business.

This strategy on shifting personal expenses into tax deductions does not have to stop at your kids…think nieces, nephews, and grandkids too. A simple strategy that anyone can use!

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Finding Hidden Cash for Your Real Estate  

One of the most common hurdles that people “think” prevents them from investing in real estate is lack of money. The reason we use the word “think” is that very often, people overlook the fact that there are alternatives to obtaining funds to invest in real estate. You may have heard of creative real estate techniques that allow investors to get into the real estate business with very little or even no money at all. This is definitely the case and we have seen it time and time again. There are all sorts of creative real estate techniques that allow investors to invest with little or no money. For example, you can use seller financing, investor’s financing, hard money, or even transactional funding.

If you are someone who has already invested in real estate, you may be familiar with the strategy of “repositioning”. Repositioning real estate is a great strategy for those looking to gain increased equity and generate additional wealth. Repositioning a property allows the investor to create forced appreciation by making improvements to certain characteristics of a particular property such as purpose, tenants, use, and aesthetics to name a few. As an example, a well-orchestrated and executed re-positioning strategy is imperative to make older buildings competitive as well as stand out from a crowd of vacant structures. This in turn increases both the value as well as the cash flow of a particular property. Ultimately, repositioning strategies that are well implemented allows the investor to proactively super-charge their return on investment rather than to merely hold on to a property and wait for market appreciation to happen.

Believe it or not, similar to real estate repositioning, there is a term we like to call “financial repositioning”. Just as in real estate, financial repositioning is the ability to re-purpose your finances and redirect your money in ways that can supercharge your wealth and cash flow. This process involves identifying where your money is currently being utilized, putting to use any “lazy money” that you have lying around, and ways to find hidden cash that you didn’t know you had. Simply put, the goal with financial repositioning is to help you find hidden cash for your real estate.

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With financial repositioning, the goal is to make sure that all your money is working for you efficiently so that you can reach your goals sooner. Rather than waiting purely for someone to give you the money to invest, look at financial repositioning of your own resources and put them to work for you. Now, there are over a dozen strategies when it comes to financial repositioning. A lot of times, you can identify and use multiple strategies together to find hidden cash for your investing needs.

Take the example of Stacey from Atlanta. Stacey was a full-time nurse who was just starting to get her feet wet in real estate. Stacey took a lot of real estate courses and training programs but when she came to us, her biggest hurdle in getting started with investing was not her lack of knowledge, but rather lack of funding…or so she thought. That was, until we helped her to find over $100,500 of cash to use in her deals.

So how exactly did we do this? To start off Stacey’s financial repositioning strategy to find hidden cash, we first reviewed all of her personal, business, retirement, and investment information. Why? Well, in order to ensure we provide her with the best solution to her funding problem, we needed to know what we were working with. After a review of all her personal, business, and investment finances, here is a summary of the areas where we identified additional money of her own that Stacey can reposition:

Stacey was working with a tax preparer that did not specialize with real estate investors. Because of that, Stacey lost out on over $9,000 in tax refunds on her previous tax returns. This was due to her tax preparer not correctly taking the real estate professional status and incorrectly calculating depreciation benefits of her properties (more details on this strategy later). The correction of these errors provided Stacey with ~$9,000 of additional cash that was repositioned from the IRS into Stacey’s pocket.

Stacey had some stocks accounts with a brokerage house that had been declining significantly in value over the past four years. We helped Stacey to determine the best time to sell these stock investments to minimize her loss and also to obtain an additional $6,000 in liquid cash to use for her real estate investments. As part of this process, we also helped to maximize the tax benefits of this capital loss!

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Stacey had money still tied up in her retirement account with her former employer of $18,000. She never thought to move her money out of the employer plan and this money had been sitting with the old employer for over six years losing value in the market. We helped Stacey to set-up a self-directed retirement account so that she can reposition all that lazy money into real estate and start working for her.

Over the past several years, Stacey has been putting away the maximum contributions each year towards her 401(k) plan at work. Although this is a good strategy to minimize her taxes each year, Stacey now has ~$35,000 of her funds tied up with her employer’s 401(k) account that she has been unable to access. We put a strategy in place where she can access part of those funds immediately tax free and penalty free which resulted in an additional $17,500 of liquid cash that she can now reposition into real estate.

In looking at Stacey’s personal finances, we determined that Stacey had over $150k of equity in her home that was sitting idle. Rather than taking all of it out to invest, Stacey decided to conservatively tap into $50,000 of it and use it towards real estate.

Just as in real estate, financial repositioning is the ability to re-purpose your finances and redirect your money by finding hidden cash for your real estate. With financial repositioning, the goal is to make sure that all your money is working for you efficiently so that you can reach your goals sooner.

So ask yourself: Do you have hidden money that you can put to work for you? Do you have lazy assets that can help you to generate higher returns? Do you have a strategy in place to ensure you do not overpay your taxes to the IRS? These simple strategies above may be the answer you have been looking for in supercharging your investing goals.

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Save Taxes with the Correct Entity Structures

Entity structures work because they are full legal entities (just like you and me) in the eyes of the law. That means they have a separate life and are distinct from you. For example, most entity structures are required to file tax returns and pay taxes on their income. All legal business structures have their own Employer Identification Number (the business structure equivalent to a Social Security Number) registered with the IRS. And, because they are legal entities in the eyes of the law, they must also bear responsibility for the consequences of their actions (or inactions), or for an accident that happened on property the company owns. Even though you might own the business structure that has been sued, only the assets of the business structure are at risk. In most cases the law provides that owners of a business entity may not be held responsible for any actions taken against the business.

There are several types of entity structures that you can choose from including the four most commonly used: limited liability companies, limited partnerships, S Corporations and C Corporations. While they are all protected structures, the first two will work better for holding real estate. That’s because different structures are subject to different taxation rules, and some are more beneficial than others.

As a tax advisor specializing in real estate related strategies, one of the most common questions we get from investors is “what type of legal entity should I hold my real estate in?”

Unfortunately, the correct answer to this question is most likely “It Depends”. For real estate investors, the best legal entity to hold title to your investment properties should accomplish the following 5 objectives:

1) Minimize taxes due to the IRS and State agencies and in turn result in a higher overall return on investment

2) Allow for maximum asset protection against potential lawsuits and creditors

3) Provide privacy to the owner(s) of the property

4) Allow the investors to achieve a wide range of flexibility and options regarding the management and control of the property, and

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5) Minimize the complexity and cost of maintaining the legal entity(ies).

You may have heard people tell you “Always use LLCs for real estate”, and another person may say “Always hold your real estate in a Trust”. As a real estate investor, it can be both confusing and frustrating to receive such definitive, yet contradictory advice. As a result, a lot of investors are left to wonder - just which one is correct??

Unfortunately, in our complex tax code, there is no “easy way” to provide an answer. Also, there is no “one size fits all” strategy that works for all real estate investors. An analogy we often make is: Giving out tax advice without first understanding everything about the taxpayer is the same as a doctor prescribing medication without first doing a diagnosis. In both the financial and medical field, this is known as malpractice. Every taxpayer is different and unique. As such, the BEST legal entity(ies) to hold title to your real estate investments will depend on your personal, business, investing, and overall tax situations.

Here are a few questions for you to answer in determining the ideal entity structure for your real estate holdings:

1) What type of property will be purchased? (Commercial, multi-family, single family, office space, etc.)

2) What is the length of the expected holding period of the property? (Long-term hold, fix and flip, wholesale, etc.)

3) What is the projected monthly/annual income for the next several years? What are the types of income to be earned? (Rents, management fees, commissions, vending income, etc.)

4) What are your exit strategies for the property? (Sale, lease option, seller financing, 1031 exchange, transfer to next generation, etc.), **TIP** - YOU SHOULD ALWAYS HAVE MORE THAN ONE!

And

5) Last but not least, what other types of income or investments is the investor involved in? (This includes a review outside of your real estate and analyzing your tax situation as a whole).

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The answers to all of the questions above will assist your advisor in determining the optimal legal entity structure for your investment. It is true that an LLC can be a great entity for those investing in real estate. But there are times when holding your investments in an LLC will result in significantly higher taxes vs. in a Corporation or a Trust. In order to identify the ideal entity structure for YOUR real estate holdings, here are the action steps to help you get started:

Step 1: Spend some time and think about your answers to the 5 planning questions above.

Step 2: Seek out your qualified real estate tax advisor to help you develop the best entity structure for your real estate holdings based on your answers above.

No discussion of business structures is complete without a warning against business structures that don’t work, or don’t offer the same level of asset protection.

There are two structures that should generally not be used as business structures or to hold real estate. They are Sole Proprietorships and General Partnerships. That’s because neither of these structures is a legal structure in the eyes of the law. A Sole Proprietorship is viewed as being an extension of you personally. A General Partnership is even worse, because that’s viewed as being an extension of you personally AND your partner. This means you are responsible for your partner’s acts, and vice-versa. Here is an example of what you want to avoid:

A Tale of Two Partners

Dr. Morgan and Welsh had a successful dental practice that they operated as a partnership. They decided to invest some of the profits from their practice into an office building that they would also own, allowing them to save money on rent. They wanted to keep things simple and safe, so they used a separate partnership to hold title to the building from the one they operated their practice through. They

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used a general partnership because they were easy to form and didn’t need the assistance of an attorney or incorporation service.

All went well until Dr. Welsh’s car accident, where the other driver was badly injured. Dr. Welsh was found both at fault and personally liable, as he was found to be legally over the blood alcohol limit and his insurer denied his claim. The other driver sued, and that’s when Dr. Morgan found out that a general partnership wasn’t a good idea.

Because Dr. Welsh was being sued personally and had no insurance, all of his unprotected assets were at risk. The accident wasn’t work related, so their malpractice insurance didn’t cover the situation. And, as general partnerships are not legal entities in the eyes of the law, Dr. Welsh’s half of both the dental practice partnership and the office building partnership were both fair game for his creditors. Before he knew it, Dr. Morgan had to find a new business partner (as Dr. Welsh had sold his share of the practice) and a new landlord (as the plaintiff had successfully seized Dr. Welsh’s half of the office building and obtained a court order to sell the building). Without doing anything wrong, Dr. Morgan was severely impacted by the actions of his partner.

Even though Dr. Morgan had the right idea, his execution of that asset protection plan was flawed. Separating assets by using business structures only works if you use a properly protected business structure to begin with. In Dr. Morgan's case, the wrong business structure cost him dearly.

Had Drs. Morgan and Welsh come to us instead, we would have suggested a different plan. We would have suggested that their medical practice be operated through a professional limited liability entity, to provide each doctor with some protection from each other. Had they done that Dr. Morgan may have received some financial compensation when Dr. Welsh sold his half of the practice. We would also have suggested that they use a different business structure, ideally a limited liability company or a limited partnership to hold their office building. That

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way, Dr. Welsh's half of the building wouldn’t have been available to his creditors to seize, and the building wouldn’t have been lost.

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The #1 Tax Loophole of Real Estate Investing It should come as no surprise to you that your tax write-offs from your real estate investments can offset your rental income and allow you to save taxes on the money you make as an investor. Wouldn’t it be great if you can use the tax write-offs from your real estate to save taxes on the other income you make as well? How great would it be if you can save taxes on the money you make as a business owner or from your jobs - simply because you now invest in real estate? The next strategy we will share is on how you may be able to do just that: Using the tax benefits of real estate to pay little or no taxes on all your income!

Now we are going to de-mystify a very popular strategy in the real estate world which you may have heard of as the “real estate professional status.” If you are someone who already has a pretty significant number of investment properties, you know that it is very important to try to qualify for the real estate professional status. However, even if you think you are filing as a real estate professional already, you will want to continue reading.

On the other-hand, if you are not familiar with this loophole, here is the run-down: Generally, for people who are not real estate professionals, the amount of tax deductions you can benefit from on your tax return is going to be limited each year. However, for those who qualify as real estate professionals, the real estate tax deductions are unlimited each year and can potentially reduce your overall tax liability down to zero.

Let’s go over an example of how this works. Todd and Pam have been investing in real estate for a handful of years. They have a handful of single family homes in Arizona and New Mexico. In addition to real estate, Pam is a gifted photographer and has her own photography business. Todd is a skilled salesperson and has been working for many years as a sales executive for an international marketing company. Todd and Pam did fairly well in terms of their real estate investments and over the years have made improvements to a few of their rental properties and have been able to increase rents by a few hundred dollars per month. With their combined income, Todd and Pam have historically lost around 45% of their earnings each year to federal income taxes, state income taxes, as well as payroll taxes. The reason Todd and Pam lost so much of their money each year to taxes

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was because they were not working with a tax advisor who understands real estate. More importantly, their tax advisor did not understand the tax loophole of being a real estate professional and as such, the real estate write-offs from Todd and Pam’s investment properties were not properly being reported on their tax returns to offset their business and W-2 income.

After a review of Todd and Pam’s situation, one of the first strategies that we implemented for them was to have Pam qualify for the real estate professional status. Pam’s ability to qualify for the real estate professional status resulted in an immediate cash flow of $26,000 in the form of a tax refund. Imagine how quickly you can now build your wealth if you have an additional $26,000 in your pocket each and every year to invest!!

Now that we have talked about the tax benefits of a real estate professional, you may be wondering what exactly it is. First, let’s start by talking about what it is “not”.

One of the most common misconceptions is that in order to be a real estate professional and receive the tens of thousands of dollars in tax savings, we must be licensed as a realtor or broker.

THAT IS FALSE!!

Real estate professional as defined by the IRS actually has nothing to do with whether you are a licensed real estate agent or broker in your state.

What this means is that essentially anyone may be a real estate professional: teachers can be real estate professionals, stay-at-home mom’s can be real estate professionals, engineers, physicians, and CPAs can be real estate professionals. You get the point. Being a real estate professional when it comes to this tax loophole has nothing to do with your education, professional licenses that you hold, or what type of business you are in.

Rather, the IRS determines real estate professional status based on a set of different criteria. They look at the type of activity you are doing in real estate and the amount of time spent on those activities during the year. So that leaves a lot of room for planning.

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Simply put, to qualify for the real estate professional status each year, you must meet these simple tests:

1. Spend 750 hours per year in qualified real estate activities and

2. Spend more time in real estate than you do in your other businesses or jobs combined.

Now you may be wondering just how hard is it to spend 750 hours per year in qualified real estate activities.

Well…you are spending time in real estate at this VERY MOMENT by reading this eBook on Cash Flow Strategies for Real Estate Investors! Take a look and track your time over a few days and you may find that you spend time doing real estate all the time!!

There is a long list of activities and strategies that can help an investor to qualify for the real estate professional status. Most of these activities, for example, learning about real estate and investing, looking for properties, meeting with sellers, managing properties, and much more add to the time you spend on real estate activities.

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The #1 Most Common & Costly Tax Mistake for Real Estate Investors

The real estate professional status is one of the most powerful tax loopholes for real estate investors as you can already see from Todd and Pam’s story above. There are not a lot of strategies that can save taxpayers $20,000 or more each year in taxes. However, please keep in mind that this is the #1 most common tax mistake that we see as tax strategists in working with investors. Why? The reason is simply that there is a lot of misconception out there about what exactly this loophole is and how to claim this benefit on the tax return correctly.

As a real estate investor, you must read and understand this. The reason is because this is by far the biggest mistake that we see time and time again made by real estate investors and this is a mistake that cannot be undone.

Take Lynne for example. Lynne has been working with a CPA for many years and was always told she has been benefiting from the tax deductions as a real estate professional. When we reviewed her tax returns for the first time, we had to be the bearer of bad new and let her know that her CPA prepared her taxes wrong and she lost out on $12,000 of a tax refund. The worst part of this was that there was nothing we could do after the fact to get that money back for her.

So what was the mistake that her CPA made? Without knowing how to claim the real estate professional status correctly on Lynne’s tax return, the CPA merely indicated “real estate professional” as Lynn’s occupation on the second page of Lynne’s individual income tax return. However, what the CPA did not know was that this alone did not provide Lynne with the unlimited tax deductions for her real estate. She was still paying high taxes on her other sources of income because she was not properly claiming the real estate professional status.

Contrary to popular belief, the real estate professional status is not taken by simply indicating that as your occupation on your tax return. To make it even more confusing, there is not a specific form to fill out or even a particular box to check

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to claim the real estate professional status. Rather, it is an election that must be attached to your tax return at the time you file it.

This is why the real estate professional status is the #1 most common and costly tax mistake made by investors!

This is also why it is imperative that you work with tax advisors who specialize in real estate if you are an investor yourself. The reason that this is not only the most common but also the most costly tax mistake is the fact that if the real estate professional status is not correctly reflected when the original tax return is filed, there is nothing that can be done after that time to correct that error. This is one of those lesser known roadblocks in the IRS code in that nothing can be done to correct that error after the original tax return has been filed. As such, it is imperative that you file your tax returns correctly if you can qualify for the tax benefits of the real estate professional status.

The average tax savings we’ve seen between someone who qualifies as a real estate professional and someone who is not a real estate professional is anywhere between $15,000 to $35,000 each and every year, which can add another $1,200 of cash flow to your pocket every single month. This is one costly tax mistake that you will definitely want to avoid in order to increase your cash flow as an investor.

 

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Does it ever seem to you that CPAs and Attorneys have their own language? They do! The better you can speak their “secret language” the better the results you will have.

Keystone CPA, Inc. was founded to “de-mystify” tax laws and explain strategies in simple language so that anyone can take advantage of the wealth building techniques of the rich. We provide powerful tax strategies and the latest strategies in tax planning.

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The average Keystone CPA client saved over $18,000 a year in taxes using the guaranteed Tax Savings Strategy and Evaluation system. Please visit our website at www.KeystoneCPA.com or call 1-877-975-0975 to get started on your Tax Savings Plan today! We can help you start paying less tax immediately.