Tyler D Harris, CPA

Senior Tax Accountant

I help business owners save millions in taxes using advanced tax strategies.

I moved to Hawaii with my wife and three kids for better work/life balance.

Tax Supervisor

Tyler D. Harris, CPA, CMA

A client copied me on an email with a lender this week.

Immediately, I reached out to the client to tell him to hit the brakes. A small change could save him $25k per year in taxes.

He's refinancing his home down from a 7.72% rate to a 5.75% rate.

At face value, it's a huge win.

But here's how he can make it even better. 

Currently, only the interest related to the first $750k of home acquisition interest is tax deductible.

With a mortgage balance of about $1,750,000, only about 43% of his mortgage interest is tax-deductible.

He is planning on pulling $150k of equity for home repairs, meaning his new loan amount will be $1.9 million at 5.75%. Overall, his rate drops quite a bit, but only 39% of his interest will be tax deductible.

He happens to have a decent amount of liquidity right now, so my suggestion is this:

1. Pay the original mortgage down to $750,000.
2. Wait about a month
3. Refinance at $1,900,000
4. Use $750,000 to pay off the original balance
5. Use the remaining $1,150,000 to invest into either his company or his portfolio.

At the end of the month, he's in the same financial position except for his taxes will drop.

Now he will be able to deduct all of the home interest and the rest of the interest will be deductible against his investment income.

This results in about $25k of annual tax savings (37% Fed and 11% HI), and the tax savings reduces his effective interest rate from 6.13% down to 2.99%.

Check out the math below and let me know if you have any questions.

Tyler Harris CPA

I help entrepreneurs worth $40M-$400M save $1M+ in tax.

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I'm looking for a CPA or EA in NYC for one of my client's best employees. 

Hoping to keep her fees less than $1k. Here's a quick rundown of her situation:

$200-$300k of wages as follows:

One W-2 through May 2025. She received 6 months severance when her company was acquired. She did contract work for a few months before starting at my client's company. 

Currently single. Engaged to be married in 2026.

I need someone who can handle a (likely) simple Schedule C as well as a couple of W-2's.

That's about it, from what I know.

Please tag someone in the comments or reach out if interested.

There is a lot of fear around stripping profits from a C-Corp.

"The IRS wants you to pay a dividend"

"You shouldn't avoid double-tax"

These are the claims, but they are based on old facts.

Before 2017, corporate tax rates were 35%. This meant if you pulled a dividend from the company at the highest brackets, your combined Federal tax rate was was about 50.47%.

If you paid yourself a big salary you would pay about 43.4%.

If you paid an S-Corp management company the rate was as low as 39.6%, but probably closer to 43%.

This meant the IRS was losing at least 7% when people avoided double tax!

Now? 

The rates are a lot closer:

Double tax: 39.8%
Wages: 40.8%
S-Corp: 37%-40.8%

There's barely a difference!

So don't believe the hype. 

C-Corps aren't terrible.

They are about as tax-efficient as any other structure.

But please, consult a professional to make sure you choose the right structure for your company.

I'm currently on the phone with the IRS resolving a $13,722 error that would have cost 5 minutes of attention.

In January 2025, Los Angeles County had some serious wildfires. A large portion of Pacific Palisades burned to the ground - entire neighborhoods.

As a result, both the IRS and the CA FTB extended disaster relief via payment postponement for all Q4 2024 estimates, 2024 balances, and Q1, Q2, and Q3 2025 estimated tax payments.

This means that the $13,722 underpayment below should have been waived, but the tax preparer (not us) failed to apply disaster relief to the taxpayer's account.

Instead, they calculated an underpayment penalty and had the client voluntarily pay it.

I've been busy resolving issues like this over the past couple of months.

We applied this disaster relief to all of our clients since our office is in Los Angeles County for their 2024 tax returns. 

Our clients will also get this relief for their 2025 tax returns. For some of them, I've seen over $100k of interest savings just by avoiding these penalties and delaying their payments.

If you weren't aware of this previously, check your tax returns and make sure you have disaster relief applied to your account if you were entitled to it.

The B2B FinTech Copywriter | I Write Ads, Emails, and Landing Pages for B2B FinTech Companies | The Coconut Loving Wizard of B2B FinTech Copywriting

I write persuasive copy for B2B FinTech companies.

And here is the problem with your B2B FinTech copywriting:

It doesn't create a clear, concise, and simple message anyone can understand.

So when your B2B FinTech company offers excellent products and solutions, your ideal customers don't know you can immediately solve their financial problems.

The result is...

- You waste tens of thousands of dollars on sending the wrong message.
- You focus on generating leads that won't buy from you.
- Your conversion rate plummets.

Instead, here is how my B2B FinTech copywriting can help your business:

>> eBooks (I write B2B FinTech copy that builds your brand authority. I write eBooks about trending topics in the FinTech sector to build trust with your prospects. I ensure your eBook generates new leads by devising a clear and specific marketing strategy, targeting your ideal customer persona.)

>> EMAIL MARKETING (I write B2B FinTech copy that gets your emails opened and read. I manage your email marketing campaign by segmenting leads, setting up new automations, tracking analytics like CTR and CTOR, and growing the number of subscribers by writing lead magnets.)

>> LANDING PAGES (I follow a 21-step B2B FinTech copywriting formula to build authority, establish trust, and position your offer by identifying the unique selling proposition.)

Imagine your B2B FinTech business converting more warm, qualified leads with the digital advertising campaigns you run, emails you send, and landing pages you create.

Sales happen 24/7, even when you are sound asleep at night.

Plus, customers rave about your useful B2B FinTech solutions.

You become a household name in the FinTech industry.

And here is the unvarnished truth:

Every B2B FinTech copywriting project comes with a 100% lifetime money-back guarantee.

If you think my B2B FinTech copywriting services don't bring you the results you want, there's no need to explain. You'll receive a prompt and courteous refund without any questions asked.

Now, there's only one question left.

Are you serious about your B2B FinTech copywriting?

Then let's get started.

Shoot me a DM now for the B2B FinTech copywriting you want.

P.S. If you are undecided, please keep reading.

I follow a 4-step process to understand your target market better than they understand themselves.

How?

1. I send you 2 questionnaires about your brand and product offer.
2. I study the latest trends in your niche.
3. I study your competitors' moves.
4. I interview employees, former clients, and current clients.

Send me a DM for killer B2B FinTech copy.

Kyle R. Bell 🛎🔔

I didn't plan on working today.

I'm writing this post on Saturday, January 3rd.

And you're seeing this post on Tuesday, January 6th.

So why did I end up working today?

Well, I don't like hard-earned skills to falter--copywriting.

But that's not the real reason.

I enjoy the purpose behind what I'm doing in business.

When I don't work at all, I enjoy it as well.

However, sometimes on days when they're dedicated to rest, my purpose continues calling my name.

Why not answer?

Now, to add on further to the point I'm making.

To clarify: I'm not a believer in hustle culture by any stretch of the imagination.

All that does for you is kill you slowly--on the inside and outside.

Anyway, I digress.

Here is the protein of the matter: momentum is priceless.

I don't mean taking off work for a few days will hurt your momentum, either.

What I can say with absolute certainty is that when you work when most others choose not to, you create a vibrational frequency that's unmatched.

And I don't mean working 12-hour days, 7 days per week until your eyes bleed and you're gasping for air.

Momentum building is as simple as sitting down at your desk and working 1 hour on Saturday and Sunday when others choose to take the day off.

There's a magic to this habit.

It's completely ineffable.

Do you agree or disagree?

Curious to hear your thoughts.

Bell out.

Kyle R. Bell 🦏

Strategic Partnerships & Account Management @ Vezgo. B2B FinTech Copywriter & Marketing Strategist. Founder & CEO of Peak and Valley Trading. I’m based in Tbilisi, Georgia!

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The Battle

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Kyle R. Bell 🛎🔔

Followers

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Engagements

Likes

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