Why Most Business Owners Overpay by $30,000+ in Taxes Every Year

If you're a business owner reading this, there’s a good chance you're overpaying the IRS—by tens of thousands—every single year.

And it’s not your fault.

Most CPAs are focused on compliance, not strategy. They file your return, but they don’t sit down in July or October to say,

“What if we could legally reposition $50K of income and reduce your tax bill by $30K?”

That’s not their job. But it is mine.

The Real Problem: Nobody’s Talking About Tax Structure

Here’s what I see every day:

• LLCs taxed as sole props with no payroll = missing $10K+ in savings

• Real estate owned personally instead of in a trust = zero asset protection

• Business income flowing through Schedule C = paying double in SE tax

• No strategy for retirement contributions = money left on the table

• No entity stacking = no control over income types or write-off flow

The IRS doesn’t write you a letter saying, “Hey, you forgot to claim that legal deduction.”
They take what you give—and penalize the rest later.

A Common Scenario:

One client I worked with made $350,000. He had an LLC, no S-election, and was paying full self-employment tax. His prior accountant never asked about retirement accounts, business trusts, or income shifting.

We restructured his entity, layered in an S-Corp, added a defined benefit plan, and moved assets into a protective trust.

His effective tax rate dropped from 32% to 17%. That’s $52,500 saved—in year one.

He didn’t need a miracle. Just a map and someone to walk with him.

Ask Yourself:

What would happen if I’m already overpaying, and don’t know it?
What’s the risk of doing nothing for one more year?

You don’t need a new CPA. You need a new strategy.
And you don’t have to commit to anything.

If you’d like me to run the numbers and show you where you might be bleeding cash, let’s schedule a no-pressure strategy session.

I’ll show you where the IRS is winning—and how you can win instead.