Help With a Single Need or an Ongoing Plan
You can work with us on a tax return or a single project, or have us coordinate your business, retirement and estate planning throughout the year.
Tax Preparation and Planning
Tax preparation runs every season, and it is where most of our client relationships begin. The planning looks years ahead.
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Tax Preparation
Individual, joint, Schedule C, S corporation, partnership, C corporation and nonprofit returns, filed from records that reconcile.
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Tax + Planning
Your household return each year, with scheduled calls and email through the year for tax and planning questions.
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Multi-Year Tax Planning
Projections to help you compare the tax effects of decisions over several years.
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Roth & Retirement Tax Analysis
Whether a conversion pays, how much to convert, and what it does to your Medicare premium two years out.
Retirement and Income Planning
A retirement decision cannot be settled without settling its tax, so the two are planned together.
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Retirement & Income Planning
Turning savings into a monthly paycheck, with healthcare costs and the year one of you is left on your own planned for in advance.
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Social Security & Medicare
Claiming ages for each spouse, the survivor benefit, and the income thresholds that raise Medicare premiums two years later.
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Distribution Strategy
Which account to draw from first, how much to take, and how the order changes once required distributions begin.
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Long-Term Care & Longevity
What an extended care event would cost, who absorbs it, and what protects the spouse still living at home.
For Business Owners
For owners whose retirement and estate depend on the company they built.
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Tax Planning and Advisory
Year-round planning for the company and its owner: compensation, distributions, entity structure and cash flow, set against your personal balance sheet.
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Fractional CFO
Monthly financial reporting, cash planning and a standing review with you, for a company that needs a CFO’s attention without a full-time hire.
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Monthly Bookkeeping
Books kept current every month, in-house, after a cleanup if they have fallen behind.
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Retirement Plans for Owners & Employees
Whether a SEP, a SIMPLE IRA or a 401(k) fits the company, what you and your employees can put in, and what it saves in tax.
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Business Value Estimate
A planning-level estimate of what the business is worth and what drives the number. It is not a certified appraisal.
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Succession, Sale Readiness and Exit Planning
Whether the company should go to family, key employees or an outside buyer, the business made ready for that buyer, and the sale brokered by us.
Estate and Legacy Planning
Where the assets would go, what the transfer would cost, and whether the people receiving them are ready.
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Estate Coordination
We review beneficiary designations and how your accounts and estate documents fit together.
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Estate Documents
Wills, trusts and powers of attorney handled here, with complex matters routed for attorney review.
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Charitable Giving
Gifts straight from an IRA, appreciated assets given instead of cash, and a level of giving the rest of the plan can sustain.
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Education & Family Planning
Planning for education costs alongside your own retirement needs.
Planning, With Insurance and Investments as Tools
The planning ties the pillars together. Insurance and investments are weighed against it, and often the right answer is that what you already hold is fine.
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Comprehensive Financial Plan
A written plan covering your goals, cash flow, accounts, taxes and insurance.
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Ongoing Planning
Tax, retirement, insurance and estate planning kept current year-round, with your household return included. The plan is revisited when your life or your business changes.
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Investment Coordination
A clear view of everything you hold, what each account is exposed to, and the order to draw things down in. We plan around your accounts; we do not manage them or sell securities.
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Insurance Review
We read the life, disability and long-term care policies you already have and tell you what they cover before anyone discusses buying more.
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Protected Income Planning
A floor of income that keeps arriving regardless of what the market does, sized to your essential spending.
Ways to Work With Us
Choose the level of help you need now. You can change the arrangement as your needs change.
Households
- Tax Preparation Your return, filed accurately and on time. Nothing more is assumed.
- Tax + Planning Your return each year, with scheduled calls and email through the year for tax and planning questions.
- Ongoing Planning Tax, retirement, insurance and estate planning kept current year-round, with your household return included.
Or start with a one-time Comprehensive Financial Plan, a Storehouse Audit, or a single project such as a Roth conversion or Social Security analysis.
Business Owners
- Business Tax Returns Entity and nonprofit returns, filed from books that reconcile.
- Monthly Bookkeeping Books kept current every month, in-house, after a cleanup if needed.
- Tax Planning and Advisory Year-round tax planning for the company and its owner.
- Fractional CFO Monthly reporting, cash planning and a standing review with you.
Or start with a project: an entity structure review, a thirteen-week cash flow forecast, a business value estimate, or a succession assessment.
The Joseph Method™
Every plan here rests on one principle: prepare in the good years, so the lean ones do not force your hand. The Joseph Method™ applies it as a structured, faith-informed engagement across taxes, the business, retirement and legacy. It is offered selectively.
About the Joseph Method™Common Questions
Do I have to sign up for everything?
Tax preparation is a standalone service, and so is a one-time project with a defined scope. Asking about a return does not commit you to ongoing planning.
What happens in a first conversation?
About thirty minutes, with nothing to prepare. We work out whether your situation is one we can help with, and you work out whether you want us to. If it is not a fit, we will say so and point you toward someone better suited.
How often will we actually talk?
It depends on the arrangement. Some clients we speak with twice a year on a set schedule, with email in between. Others we speak with most weeks. We will tell you honestly which one your situation needs.
What states do you work in?
The firm is based in Michigan and is insurance licensed in Michigan. Insurance products can only be offered where the firm and the individual representative hold an active license and the product is approved.
Find Out Whether This Fits
Tell us what you need help with. We will explain how we can help and which services may fit your situation.