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What's the Financial Freedom Blueprint?

The Financial Freedom Blueprint (FFB) is a mix of Done-For-You (DFY), Done-With-You (DWY), and coaching that focused on helping business owners achieve financial freedom by following 3 Financial Logical Steps: 1) Structure; 2) Taxes: and, 3) Investing.  

PILLAR 1: Structure

This is the first step that we take with each of our clients. We help the business owners we serve build what we refer to as "The Real Wealth Matrix", a multi-layer structure of business entities that help the owner stay protected from any external force; creates the optimal structure for Tax Avoidance; and serve as a rock-solid foundation for future growth. 

Each Real Wealth Matrix is totally customized and personalized to its owner, but the general frame for it is the one explained in the training in this page. On the bottom of the structure, we have have your operational companies, the first layer. All these operational companies will be LLC taxed as disregarded entities. Even though each LLC in this layer will have its own bank accounts, and will have its income and expenses, everything that is left when the year ends, will flow up to the second layer, the Holding Company.

The Holding Company is an LLC taxed as an S-Corp. The main purpose of these HC is to manage your different operational companies. Having this structure allows you to just file 1 Tax Return for all of your different businesses, among several other benefits. This HC will be owned by your Trust, the third layer. 

Your Trust will be a Revocable Living Trust. We highly recommend that this Trust owns no only your businesses, but all your personal possessions (boats, planes, cars, houses, bank accounts, etc.). You personally will set up as the Grantor, Beneficiary, and Trustee. Now, for the first time, your personal name comes into play, in the third layer (The third layer if you have this basic Real Wealth Matrix)

There are multiple benefits for an structure like this:
  • Protects you from litigants: It is not unusual that as your wealth increases, the target on your back increase as well. There will people that will want to take advantage of you and sue you because they know you have money. Having this structure, create a barrier. If litigant "A" goes to a lawyer to sue you, the first thing the lawyer will do is search up your name to see what you have. This is a regular practice Lawyers do to see if there is anything in it for them. Once they see you apparently don't own anything, they will tell litigant "A", sorry I can't take this case. 
  • Protect you from liability: Let's say you actually hurt somebody. If litigant "B" who has been hurt comes after you, all he can take is what is inside the LLC operational company in layer 1. Litigant A can't go the other operational companies, and can't go to after Holding Company in layer 2. 
  • Tax Simplicity: Having multiple LLC Operational Companies as disregarded entities allows for the earnings/losses at the end of the year to flow into the HC that owns them. Since this HC is an LLC taxes as a S-Corp, you will only file a S-1120 Form, that will issue a K1 that will put in your personal returns. 
  • Tax Strategies: The Real Wealth Matrix give for a lot of creativity and ways to leverage the Tax Code - allowing you to pay close to nothing regardless of how many millions you make.

Scope of Service

We help our clients strategize the best course of action when building their Real Wealth Matrix during our Strategy Session. We will put them in contact with the external resources they will need to get the drafting of the agreements between companies and review that all the drafting is correct. We not only guide them through the process, but we also coach them on it so that they understand the structure of the Financial Life. 

PILLAR 2: Taxation

Taxation, one of the biggest expenses for successful entrepreneurs we have the pleasure to work with. Taxes are one of the most misunderstood concepts for entrepreneurs. We constantly tell our clients, taxes haves 2 purposes: 1) Raise revenue for the government; and 2) Create incentives for people that engage in activities that are good for society- My dear entrepreneur, you and I are part of the group that takes advantage of the second reason.
Avoiding taxes is not only completely illegal, but your responsibility as a business owner. The government does a really bad job of managing money, so if you are giving your dollars to them, these dollars are going to waste. It is your responsibility that these dollars go into good use - for your employees; reinvest in your business so that you can help more people; provide more for your community, for your family, etc. 
What's definitely illegal is Tax Evasion. The metaphor represented in the video above makes it really simple. If you follow the Tax Code and take advantage of the incentives it provides, you are doing the correct thing. If you decide to not follow the Tax Code, don't do what the incentives are for, and still taking the incentives, you are committing a crime - yes, a crime, 10-20 years in prison. 
So, in Pillar 2, we take full advantage of the structure that we created on Pillar 1 and we make sure to explode every incentive there is in the Tax Code, so that our clients get to manage the entirety of the dollars they create. On average, our clients save around $30,000 when they sign up with us. Here are some advantages of Pillar 2:
  • Control of your profit: Finally, take back control of the money that is yours, and you have created with your sweat and equity. 
  • Reduce cash flow risk: Enough of being scared at the end of the year having to come up with thousands of dollar to cut a check for the IRS - remember, they are the Internal Revenue Service, but they don't serve you.
  • Business Owner Advantage: Take advantage of your business owner status. Business owners, we are the hardest workers in the room. We took the decision to change working 40 hours a week for someone else, to work 100 hours a week for ourselves. All the weight of employee's paychecks, giving the best value to our clients, sleepless nights, and more is the price to pay to be an entrepreneur, but paying taxes doesn't have to be one of them.
  • Investments:  When any of our business owners stop overpaying the IRS, they quickly liberate funds for investment and wealth growth. 

Scope of Service

We take care of all the finances for our clients' companies. We do their Bookkeeping, Tax Preparation and Tax Strategies, and Fractional CFO work. A completely DFY financial services that will ensure that everything at stake is properly managed and in the right order. 

Pillar 3: Investing

This is the third and final step to complete the Financial Freedom Blueprint. All the tax savings created will now be deployed to acquire ASSETS - things that you control that produce cash flow for you. That's not the "Accounting" definition of it, but it certainly is the "Wealth Creation" definition of it. 

We help and coach our clients on how to asses deals, what are he best assets (either other business or real estate), and most importantly, how they fit into their Real Wealth Matrix and ultimately, how they fit in their life. Here is where the magic starts happening, and where you start acquiring the assets that will give you Financial Freedom.  
  • Coaching on Asset Acquisition: When you start investing, it is always good to have next to you someone that has done it before guiding you, and keep you away from sketchy deals. 
  • Wealth Generation: This is the Crown Jewel of wealth generation. Remember, being wealthy, as opposed to being rich, is having assets that produces cash flow for you so that you don't have to produce it.
  • Full Circle: Each step from now on will add to your Real Wealth Matrix, which will add to your Tax Strategies, to your portfolio and your Generational Wealth.

Scope of Service

We help our clients strategize their deals and making sure there is a potential for upside that is up to their expectations. This is a DWY model that would include coaching calls, assistant and support. All previous steps and services will apply to any new business and property acquired during this phase.
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Facebook makes us say all of the above. Sorry. Now for some more legal stuff. You had to know this was coming. After all, didn't we tell you that Edward is a lawyer. TERMS OF SERVICE