Free Education Library

ProfitGuard Plus explained for owners — how it works, what it saves, who qualifies, and what set-up takes.

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Sections 125, 106(a), 105 and 213(d) — the IRS code that makes this work, in one page.

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How to tell a real payroll-tax structure from the gimmicks the IRS shut down.

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The owner's audit sheet — what to ask any promoter before you commit to anything.

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The mechanism, the savings math, who qualifies, and the questions owners ask most.

The payroll processors, CPAs, PEOs, benefits brokers and attorneys in our corner.

Every question about ProfitGuard Plus, one page each: who it fits, the tax code, is it legal, what it saves, and a page for CPAs.

What a Self-Insured Medical Reimbursement Plan is, and why the structure holds up.

The two gates, the W-2 employer types that usually fit, and who it is not for.

The $600 + $1,400 = $2,000 per employee stack, with worked examples for 25 and 100 employees.

Why half of these programs got shut down, the bright line, and the questions to ask before you sign.

Sections 125, 106(a), 105 and 213(d), each explained, with links to the statute text.

How the plan shows up on payroll, the questions you will ask, and how to refer a client.

The dollars, per employee, per payroll — and where they come from.

A printable playbook of the moves that work when you pay yourself.

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How we work with owners here, and what a first conversation covers.

The difference between tax prep and tax strategy, and why $15K-$50K+ in savings is on the table for most profitable businesses.

The four common entities, when each one wins, and the rule-of-thumb income brackets for switching.

How to legally cut self-employment tax by $8K-$20K+ per year through reasonable salary and distributions.

Solo 401(k), SEP, SIMPLE, profit sharing, and Cash Balance plans — which one fits your size and income.

Augusta Rule, hiring your kids, accountable plans, cost segregation, HSAs, and 6 more strategies worth $20K-$50K.

Depreciation, cost seg, REPS, 1031s, and the short-term rental loophole — how investors legally pay 0% federal tax.

QSBS, installment sales, CRTs, ESOPs, Opportunity Zones — strategies that can save millions on the day you sell.

What still moves the needle in the last quarter of the year.

Turning a down position into a smaller tax bill, without wrecking your plan.

The plan that shelters far more than a 401(k) when the profit is there.

Four business retirement plans, side by side, by company size and income.

A printable walk through turning savings into a paycheck that lasts.

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Strategies to build and protect a secure financial future.

Income, growth, taxes, legacy — and why the average person runs out of money at 78.

Contribution limits, employer match, investment freedom — and why most people should max BOTH.

The framework for picking the right account by your tax bracket today vs. retirement.

What you owe at 73, the 25% penalty for missing, and Roth conversion strategies before RMD age.

62 vs 67 vs 70 — the 76% benefit difference, break-even math, and spousal/survivor considerations.

Why bad market years early in retirement can wreck your plan, and three strategies to defend.

Fixed, FIA, SPIA, Variable — when each makes sense and when an annuity is the wrong tool.

One decision, usually made once, worth running the numbers on first.

What they do, what they cost, and who they suit.

The three numbers on it that decide when you should claim.

How high earners still get money into a Roth.

What you are on track for, against what you will actually need.

Five ways to save for retirement, compared head to head.

Four ways to turn a nest egg into income.

A printable guide to picking a policy without getting sold one.

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How a properly designed whole life policy becomes your own financing system.

Who actually needs life insurance, who doesn't (yet), and why your existing 1-2× income policy is probably too small.

Why term costs a fraction of whole life, when each makes sense, and why most families end up with both.

Term, Whole, Universal, IUL, Variable, Final Expense — what each does and who it fits.

Three methods: multiplier, DIME, and replacement income. With a real example for a typical family.

Accelerated Death Benefit, Waiver of Premium, Chronic Illness — and the one rider that's usually a trap (Return of Premium).

Naming your estate, listing minor kids directly, forgetting to update after divorce — quiet errors that wreck estates.

Key person, buy-sell funding, executive bonus, Section 162 — how businesses use life insurance for continuity and retention.

Whole life insurance used as a personal banking system. Same product, different design, different purpose.

The short version, without the jargon.

The DIME method, run on your own numbers.

Four kinds of life insurance, side by side.

A printable guide to the four parts and the windows that matter.

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Parts A, B, C, and D, made simple. What each covers, what they cost, and the enrollment window you can't miss.

The 3 main paths through Medicare — pros, cons, and which fits your situation.

Plan G, Plan N, Plan F, and High Deductible G — what each covers, typical rates, and who they fit.

Hospital indemnity, cancer/heart/stroke, and dental/vision/hearing supplements — the gaps Medicare leaves behind.

IEP, AEP, MA OEP, Medigap OE, GEP, and SEPs — when each one applies and what happens if you miss them.

Why dropping Medigap or switching off Medicare Advantage isn't always reversible — and what to check before you do it.

Two government health programs that sound alike but aren't. Eligibility, coverage, and what dual-eligible means.

The changes worth knowing before the fall window opens.

The short version for someone turning 65 this year.

What a year on Medicare is likely to cost you.

A printable checklist of the documents a complete plan needs.

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How we run an estate conversation and who else sits at the table.

The 6 core documents that make up a complete estate plan, and what each one actually does.

When you need a will, when you need a trust, and why most homeowners need both.

Revocable, irrevocable, special needs, charitable, spendthrift, asset protection — which one fits your goal.

The 5 layers of fees, the 12-18 month timeline, and how to skip the process entirely.

Durable POA, Healthcare POA, Living Will, HIPAA — what each does and what happens without them.

The 2026 exemption sunset, the biggest tax win most families miss, and where well-meaning parents go wrong.

Blended families, business owners, special needs, out-of-state property — the situations boilerplate plans miss.

What changes, who it reaches, and what to do before it lands.

The quiet errors that cost families the most money.

Two documents, two jobs, explained without the legal words.

The coverage we place for people and businesses outside the marketplace.

The five paths to coverage when you're not on Medicare yet — and which one fits your situation.

Bronze, Silver, Gold, Platinum — the premium-vs-out-of-pocket trade-off and why Silver often wins with subsidies.

100% deductible premiums, subsidy thresholds, and the income management strategies W-2 workers don't have access to.

The only account with three tax benefits, and the strategy that builds tax-free retirement medical reserves.

Cheaper than ACA but not real insurance. When the bridge product makes sense and when it's a trap.

PTCs and CSRs explained. Why CSRs only apply to Silver, and how many qualify for $0 monthly premiums.

Four strategies for covering health when you retire early, and the subsidy-Roth synergy behind them.

What it costs and how the subsidy is worked out.

Three accounts that sound alike and behave nothing alike.

A printable brief on the risk, the real cost, and the two ways to cover it.

PDF — open or print

70% of Americans 65+ will need long-term care. Why Medicare doesn't cover it and what the gap costs.

Real numbers by care setting: home health, assisted living, nursing home, plus inflation impact.

Standalone insurance with potential premium increases vs. life-insurance-with-LTC-rider with guaranteed premiums.

Medicare's 100-day skilled nursing limit, Medicaid's asset cap, and why neither is a real plan.

The 5-stage progression most families go through, and the unpaid-caregiver tax that goes with home care.

The two design choices that decide whether your policy is there when you need it.

Why 55-65 is the sweet spot, and the two-step decline of waiting.

Pay off all your debt in a fraction of the time, on your current budget.

The compound math working against you, and why $2,400/month in payments could be $2.7M over 30 years.

Both methods work. The deciding factor is which one you'll actually stick with.

Cut 10-15 years off a 30-year mortgage using a HELOC or whole life cash value as your primary account.

The 0.75% rule, break-even math, and the three legitimate reasons to refi.

The litmus test that separates wealth-building debt from wealth-destroying debt.

The order of operations — when to attack debt, when to invest, and the behavioral exception.

The 5-phase framework that combines snowball, avalanche, velocity, refi, and retirement layering into one plan.

The case for, the case against, and the number that decides it.

How long it takes on your numbers, and what one extra payment does.