Business owners
Retirement funding
Explore eligible contribution deductions.
Expand your tax planning service.
Bring more potential tax saving opportunities to your clients. Our team handles the financial research and analysis.
Jake Song and Michael KiddFinancial Advisors, Austin TX
More value for your tax planning practice
More opportunities.
Less financial legwork.
We research financial options and flag potential tax saving opportunities for your review.
How our firm supports yours
Your tax relationship.
Our financial support.
We handle the financial work. Your practice leads the tax advice.
The Financial Planning Review
Full financial analysis.
No charge.
Includes an introductory call and written recommendations.
1 weekAfter complete client information is received.
No obligation to become a client. Implementation and ongoing services are separate, with applicable fees and costs.
What is included?
Complimentary analysis and recommendations
The introductory call, full financial analysis, and written recommendations are complimentary, whether or not the client becomes a paying client. Delivery is within one week after complete client information is received. Your practice reviews tax treatment. Account implementation, product purchases, and ongoing advisory services are separate client decisions, with applicable terms, fees, and costs explained before proceeding. There is no obligation to engage the firm or purchase a product.
Tax savings and investment growth are not guaranteed. Recommendations depend on the client’s needs, risks, costs, eligibility, and your tax review.
See how we coordinate
After complete client information is received.
- Complete informationCollected by our team
- Financial analysisChoices and tradeoffs
- Written recommendationsFor review and discussion
Next: your tax review and the client’s decision. These steps have their own timing.
A clear next step, together.
Financial comparison prepared
- Compared
- Business cash and retirement funding
- For your review
- Contribution eligibility and tax projections
- Next step
- Coordinate a discussion with client permission
How it works for your clients
Financial choices.
Tax advice with more context.
Fictional examples, not client results or recommendations.
Recommendations depend on client facts and your tax review. Implementation and ongoing services have separate terms and costs.
Business ownersBuild retirement savings with the tax impact in view.View example
How much cash can the business put toward retirement?
Keep cash available
Preserve access and flexibility.
Fund retirement
Commit cash to retirement savings.
For your practice: Use our funding comparison to support a more complete tax review.
Example tax impact
Compared with no additional contribution. The 2026 ceiling is not automatic contribution room.
$72,000Example additional traditional SEP funding
24%Assumed federal marginal rate
$17,280Potential current federal tax difference
Conditions: Only if the full additional $72,000 is eligible and deductible, with sufficient eligible earnings and remaining room, and every deducted dollar otherwise taxed at 24%. Your practice checks employee obligations, plan coordination, and deadlines.
Tradeoff: $72,000 moves into retirement savings. Traditional withdrawals are generally taxable later. Simplified current federal tax arithmetic, not a return calculation. Excludes costs, QBI interactions, credits, phaseouts, and other tax effects.
Explore the analysis
Our financial work
Compare retirement funding, cash remaining, employee costs, fees, and investment allocation. Your practice receives the financial comparison before action.
Your tax review
Confirm business structure, compensation, available room, deadlines, and deductible treatment. Self employed owners need adjusted earnings calculations. A SEP generally uses the same contribution percentage for eligible employees. A SEP and 401(k) from the same employer cannot simply stack full limits.
Other options
Where eligible, compare individual 401(k), employee 401(k), or SIMPLE funding. SIMPLE plans require employer contributions. Individual 401(k) eligibility depends on having no eligible nonowner employees. Cash balance feasibility needs a plan provider and enrolled actuary. Funding commitments and administration may outweigh a deduction.
Keep in view: Investments can lose value. Retirement funding limits cash access, and pretax funding generally defers tax until withdrawals. Plan setup, administration, and provider roles require confirmed scope. No setup service or savings result is promised.
Younger professionalsBalance taxes today with savings for tomorrow.View example
Pretax or Roth for this year’s workplace savings?
Pretax funding
Generally taxable withdrawals later.
Roth funding
Qualified withdrawals can be tax free.
For your practice: Use our contribution comparison to support your practice’s current and future tax review.
Example tax impact
Equal invested amounts, not equal take home cash. Roth requires more current take home cash under these assumptions.
$24,500Same example contribution in either choice
24%Assumed federal marginal rate
$5,880Potential lower current federal tax with pretax
Conditions: Only with full additional $24,500 room, sufficient compensation, a plan offering both choices, and every affected dollar otherwise taxed at 24%. Pretax and Roth share the limit. No catch up contribution is assumed.
Tradeoff: Pretax funding defers income tax to later withdrawals. Roth qualification and future taxes can change the choice. This is not an investment return. Excludes state and payroll taxes, credits, phaseouts, fees, and other tax effects. Lower current tax does not establish the better choice.
Explore the analysis
Our financial work
Compare pretax and Roth funding, take home cash, investment allocation, and future withdrawal assumptions. We would prepare the contribution comparison for your practice.
Your tax review
Confirm contribution room, plan choices, current and future tax treatment, HSA eligibility, and any proposed taxable sales. Review basis, holding periods, netting, carryforwards, and purchases across accounts, including IRAs and spouse activity.
Other options
Eligible HSA funding may offer deductible personal contributions or excluded employer contributions, with tax free qualified medical withdrawals. HSA investments can lose value. Nonmedical withdrawals create income tax and may incur additional tax. Tax loss harvesting requires an eligible realized loss. An unrealized loss is not a deduction. Wash sales can disallow losses. Suitable replacements, trading costs, and future gains matter.
Keep in view: A tax benefit does not recover an investment loss. Age alone does not decide pretax versus Roth. Lower current tax does not establish the better long term choice. No trades occur without authorization.
People nearing retirementSee what withdrawals could mean for spendable income.View example
Which account could fund the same retirement withdrawal?
Traditional IRA
Check basis and withdrawal rules.
Qualified Roth IRA
Using assets now leaves less for later.
For your practice: Use our withdrawal comparison to support your practice’s tax review before a client decision.
Example tax impact
Same $24,500 gross withdrawal from existing funded accounts. This is not an IRA withdrawal limit.
$5,880Assumed traditional IRA federal tax
$0Current federal tax on qualified Roth
$5,880Current tax difference, not lifetime savings
Cash after the assumed tax: $18,620 from the traditional IRA or $24,500 from the qualified Roth.
Conditions: Only with sufficient funds in both accounts, a fully taxable traditional withdrawal, every taxable dollar at 24%, no early distribution tax, and a qualified Roth distribution. This is estimated tax, not assumed withholding.
Tradeoff: Using Roth assets now leaves less for later. Excludes prior Roth funding or conversion taxes, state taxes, fees, credits, other income interactions, required distributions, and future effects. This does not show lifetime savings or establish which account to use.
Explore the analysis
Our financial work
Compare account withdrawals, taxable sale lots, cash reserves, and no conversion against possible partial Roth conversions. Your practice would receive projected cash after assumed taxes and the financial tradeoffs.
Your tax review
Check basis, required distributions, Roth qualification and holding rules, withholding, and current versus future taxes. Taxable sales create gains or losses relative to basis, not tax on all proceeds. There is no universal withdrawal order.
Other options
A partial Roth conversion creates current taxable income, not a deduction, and generally cannot be reversed through recharacterization. Future savings are uncertain. For an already charitable client, compare a direct gift of qualifying appreciated securities with keeping them. Gifts are irrevocable and reduce retirement resources. Any deduction requires tax review, including the 2026 itemized charitable floor of 0.5% of adjusted gross income and other limits.
Keep in view: Fees, investment risk, cash needs, and future assumptions can change the choice. The comparison may favor no conversion or no gift. Lower current tax is not lifetime savings.
2026 limits and calculationsReference
2026 retirement contribution limits
These are limits, not automatic deductions or amounts to add together.
Basic limit before eligible catch up contributions. Traditional and Roth deferrals share this limit. Compensation, plan terms, and remaining room matter.
Tax treatmentPretax deferrals generally reduce current taxable wages. Roth deferrals do not. This is not a separate tax return deduction.
IRS contribution rulesThe lesser of this ceiling or 25% of eligible employee compensation. Self employed owners require a separate adjusted earnings calculation.
Tax treatmentAn eligible traditional SEP contribution may be deductible. Your practice confirms the amount, employee obligations, and tax treatment.
IRS SEP limitsCombined traditional and Roth IRA limit before eligible catch up contributions. Eligible compensation and contribution rules apply.
Tax treatmentA traditional IRA deduction depends on workplace coverage, income, and filing status. Roth contributions are not deductible.
IRS 2026 limits and deduction rulesContribution amount and tax impact are different.
$24,500Eligible pretax 401(k) contribution
24%Assumed federal marginal rate
$5,880Potential current federal income tax difference
This calculation applies only if: an eligible employee has the full $24,500 of additional contribution room, enough eligible compensation, and a plan that permits it. Every contributed dollar must otherwise be taxed at 24%. It is a simplified comparison with making no contribution, not an actual client tax calculation.
This shows tax deferral, not tax elimination. Future withdrawals are generally taxable. It excludes state and payroll taxes, credits, phaseouts, QBI interactions, other tax effects, and costs. Tax savings are not guaranteed. Your practice must evaluate the client’s facts and applicable rules.
Investment tool libraryTax treatment, costs, and risks differ.Library
Educational examples, not a confirmed product menu.
These fictional examples show areas a financial analysis may explore. Actual products and services depend on contracts, eligibility, firm approval, licenses, and provider roles.
Business ownersBusiness financingCash flow, not an automatic write off.
The situation: An owner is considering an equipment purchase while preserving operating reserves.
The financial comparison: Compare paying cash with lender supplied loan terms, repayment costs, collateral requirements, and cash remaining for other goals. This is a financing review, not an offer to originate a loan.
Possible tax treatment: Eligible business interest may be deductible. Use of the loan proceeds matters, and limits can apply. Repaying principal is not a deduction. The equipment has its own expense or capitalization rules, separate from the financing.
For your practice: Proposed use of proceeds, loan terms, principal and interest schedule, cash flow comparison, and questions about interest and equipment treatment.
A deduction alone does not establish that borrowing is cheaper than paying cash. Debt adds repayment and collateral risk. Your practice reviews eligibility, tracing, timing, capitalization, and applicable interest limits.
All three client groupsInvestment account locationCurrent income versus later tax.
The situation: A client holds taxable bonds in a brokerage account and stock funds in an IRA.
The financial comparison: Compare where suitable holdings sit across taxable, traditional, and Roth accounts while preserving the intended overall investment mix and access to cash. Evaluate rebalancing within existing accounts and directing future eligible contributions.
Possible tax treatment: Taxable bond interest generally creates current taxable income. Earnings within a traditional IRA are generally deferred until taxable distributions. Changing account location is not itself a contribution deduction.
For your practice: Proposed account allocations, expected income types, gains from any required sales, access to cash, and current versus future tax assumptions.
There is no universal rule to put every bond in an IRA. Selling existing holdings can create tax. Future withdrawal taxes, Roth rules, fees, investment risk, and the client’s goals can change the result.
Taxable investors in all three groupsTax aware fund selectionReview taxable distributions and costs.
The situation: A professional receives capital gain distributions from a mutual fund even without selling shares.
The financial comparison: Compare suitable mutual funds and ETFs with similar investment exposure, including distribution history, turnover, fees, and the cost of changing holdings.
Possible tax treatment: Fund distributions can create current taxable income. Many ETFs make fewer capital gain distributions than comparable mutual funds, although both can distribute taxable gains. This potential tax difference does not apply inside an IRA or 401(k).
For your practice: Distribution comparison, proposed holdings, unrealized gains, any estimated sale tax, and investment costs before a change.
Selling the existing fund may trigger gains that outweigh a potential benefit. Past distributions do not predict future distributions. Exposure, fees, and market risk still matter.
People nearing retirement, selected long term saversNonqualified annuity reviewTax deferral, not a current deduction.
The situation: A household considers an annuity outside an IRA for part of its long term savings or income plan.
The financial comparison: Compare the specific contract with suitable nonannuity choices, including income features, costs, surrender terms, access to cash, and the proposed withdrawal schedule.
Possible tax treatment: Earnings can grow tax deferred. Taxable withdrawals generally create ordinary income. Before annuitization, partial withdrawals generally take taxable earnings first. Annuitized payments may include taxable income and return of basis.
For your practice: Contract terms, basis, earnings, fees, surrender schedule, and projected distribution treatment for the proposed timing.
An annuity inside an IRA adds no extra tax deferral. Deferral does not prove lower lifetime tax. Fees, surrender charges, possible early distribution taxes, insurer strength, and product specific risks can outweigh a benefit.
Owners and families with a protection needLife insurance and policy reviewProtection first. Policy tax rules second.
The situation: An owner needs business protection, or a younger family needs income protection. Near retirement, an existing policy may need a funding and loan review instead of replacement.
The financial comparison: Evaluate coverage needs, term and permanent choices where appropriate, affordability, policy charges, and other savings goals. Ownership and business arrangements require the tax and legal professionals’ review.
Possible tax treatment: Death benefits are generally excluded from federal income tax, with exceptions. Certain permanent policies offer tax deferred cash value growth. Premiums are not a generic deduction, including business premiums where the business is a direct or indirect beneficiary.
For your practice: Coverage need, policy illustration and charges, ownership and beneficiary structure, funding, basis, loans, and tax questions. Employer owned coverage can require notice, consent, eligibility, and reporting checks.
Policy loans charge interest, can reduce cash and death benefits, and can increase lapse risk. Lapse with a loan can create taxable income. For a modified endowment contract, loans and withdrawals can be taxable, and early taxable distributions may incur additional tax. This is not a promise of tax free retirement income.
Eligible investors in any of the three groupsAlternatives and hedge fundsFund specific treatment, no blanket tax benefit.
The situation: An eligible client considers a private investment for an investment goal, not simply for a tax write off.
The financial comparison: Review the actual offering, portfolio fit, tax supplement, reporting, fees, leverage, valuation, holding period, and withdrawal restrictions against suitable alternatives.
Possible tax treatment: A private fund or hedge fund label establishes no deduction. A partnership can allocate taxable income even without a cash distribution. Any claimed loss benefit needs review of its character and applicable basis, at risk, passive activity, or capital loss limits.
For your practice: Offering and tax documents, expected reporting, income and loss character, distribution assumptions, liquidity needs, and unanswered tax questions before a commitment.
Tax treatment differs by structure and activity. Not all fund losses are passive. Eligibility does not establish suitability, and restricted withdrawals, leverage, high fees, and loss risk may make a fund inappropriate. No specific approved fund or tax result is claimed.
The value is an informed financial comparison your practice can review, not a promise that every product lowers taxes. Your practice leads tax advice. Costs, risk, liquidity, current tax, and future tax belong in the same decision.
Support for your next client conversation
Financial analysis to
support your tax advice.
We prepare the financial comparison. Your practice leads the tax review.
See what you receive
A financial comparison for your tax review.
View sample
See what you receive
A financial comparison for your tax review.
View sampleA clear view of each firm’s work.
- Our financial work
- Compare financial choices, cash needs, investment costs, risks, and assumptions. Provide written recommendations for review.
- Your tax review
- Review eligibility, tax treatment, projections, and deadlines. Your practice agrees its own scope and fee with the client.
Client facts are required for financial recommendations. Your practice reviews tax treatment before action or any savings estimate. This sample is not a completed analysis or a promised result.
See the planning examples
Introduce the service
An optional client message you can adapt.
View email
Introduce the service
An optional client message you can adapt.
View emailDraft from your tax planning practice
A tax review for your next financial decision
Hi [Client first name],
If you are considering retirement or an important business or investment decision, we can discuss a focused tax review.
With your permission, we can coordinate optional financial analysis with McCune Whiteley Wealth Management. Their analysis and written recommendations are complimentary, with no obligation to become a paying client.
Our tax review is separate. We would agree on its scope and fee before work begins. Financial implementation and ongoing services are separate, with applicable costs explained before proceeding.
Would you like to explore this?
[Tax professional name]
[Practice name]
[Approved contact details and required signature disclosures]
Replace the placeholders, confirm the service terms, and obtain required review before sending. Do not include client records in the invitation.
Keep the relationship clear
Agree on permission, roles, and written updates.
View checklist
Keep the relationship clear
Agree on permission, roles, and written updates.
View checklistProposed coordination process
- Agree on the working relationship.
Both firms define the question, responsibilities, contact preferences, and update process. Start with an anonymous situation.
- Get the client’s permission.
The client chooses an introduction and authorizes any information sharing. Your practice agrees its tax scope and fee. Our team arranges secure financial information collection.
- Complete separate reviews.
Our team provides financial analysis and written recommendations. Your practice provides the agreed tax review. Coordinate a joint meeting when useful and authorized.
- Confirm decisions and follow up.
The client decides whether to proceed. Confirm implementation roles, provider availability, terms, costs, and each firm’s next steps before action.
No client records in the first email. The client remains free to choose each professional and each service.
Sample, not a completed analysis or result. Templates need review before use.
Book a partnership introduction
Choose a 30 minute time with Jake and Mike.
No client names, records, or referral needed for the first conversation.
Optional draft templates
Adapt and clear the service terms, invitation, and coordination checklist before use.
Download draft templatesMeet Jake and Mike.
Backed by McCune Whiteley Wealth Management.
Jake Song
Financial Advisor
Passed the enrolled agent exams. IRS enrollment not yet approved.
Meet JakeFounded 2009McCune Whiteley Wealth Management
300+ householdsServed across the firm
Cedar Park3008 Polar Lane, Suite 103
Meet the full firmWorking together.
How do you support my existing client relationship?
Your practice leads tax advice. Before an introduction, we agree on roles, contact preferences, and review steps. With client permission, we share written financial recommendations and coordinate joint meetings when useful. Each client chooses whom to engage. This is a coordination process, not a guarantee of client retention.
Could my practice also receive introductions?
Our firm serves 300+ households. When a client needs a tax professional, we can consider an introduction based on their needs and your practice’s fit and capacity.
Introductions are not guaranteed. There is no quota, exclusivity, referral compensation, or required reciprocity. Each client chooses whom to engage.
What does the Financial Planning Review include?
The introductory call, full financial analysis, and written recommendations are complimentary, whether or not the client becomes a paying client. Delivery is within one week after complete client information is received. Your practice reviews tax treatment. Account implementation, product purchases, and ongoing advisory services are separate client decisions, with applicable terms, fees, and costs explained before proceeding. There is no obligation to engage the firm or purchase a product.
Can my practice charge for its tax advisory work?
You set your own scope and fees in a separate client engagement, subject to the professional rules that apply to your practice. Work could include tax projections, tax review of proposed strategies, and follow up. The fee pays for services provided, not for a referral. This page does not propose a fee tied to tax savings. Clients choose each firm separately. Higher fees, additional engagements, revenue, and tax savings are not guaranteed.
How would I introduce a client?
After we agree on practice fit, your client can contact us directly or authorize an introduction. We agree on a secure process before sharing confidential information. Please do not send client records in the initial email.
What if I already work with another advisor?
We can still compare practice fit. Any future introduction depends on the client’s needs and choice. The proposed relationship is nonexclusive.
How will we work together?
Our team handles information collection, financial analysis, and written recommendations. Implementation coordination and follow up depend on the client’s separate engagement, applicable fees, and approved providers. We agree on the communication process first. Written updates, joint meetings, and any secure, limited CRM access require client authorization. Please keep client records out of the initial email.
How broad are your investment choices?
We evaluate available investment choices across providers. Recommendations depend on the client’s goals, eligibility, risks, costs, and firm approval. Broader access does not guarantee a tax benefit or higher returns. Specific funds, insurance contracts, and specialist services require review before a recommendation.
Start with
one situation.
Discuss an anonymous planning situation with Jake and Mike in a 30 minute Microsoft Teams call. No client name, records, or referral needed.
Choose a time with Jake and MikeArrange by email insteadCall Michael: (512) 960 4900
Opens Calendly in a new tab. Enter only your name, work email, and firm name. Please keep client details out of the booking form and email.