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.

Jodie Lamb

Arcadia Settlements Group

As Structured Settlement Consultant for Arcadia Settlements Group, I provide facilitative personal injury settlement consultation for claims settling across the U.S. I have over 20 years of experience and have the unique experience of financial planning, claims experience, and as a person with significant injury myself. I bring a real life perspective to my position. Additionally, I am one of very few in the industry with a Master’s Certificate in Structured Settlement Consulting designation from the University of Notre Dame. I’m on the National Structured Settlements Trade Association Board of Education and a repeated top 10 producer within Arcadia Settlements Group. I understand the importance of planning for the future and bring understanding, compassion, and commitment to each case. To learn more, visit https://teamarcadia.com/directory/listing/jodie-lamb.

Master Structured Settlement Consultant

C-Suite Network

The C-Suite Network is the world’s most trusted network of C-Suite leaders, with a focus on providing growth, development and networking opportunities for business executives with titles of vice president and above. The C-Suite Network’s mission is to provide a peer community, networking events, relevant content and services to support c-level executives and other entrepreneurs achieve professional success. C-Suite Network offers invitation only events as well as custom-tailored content through all its entities: C-Suite TV, C-Suite Radio, C-Suite Book Club, and C-Suite Network Advisors™.

C-Suite Network Executive Leader

EPS Settlements Group

June 26, 2017 - The world's first structured settlements firm positions itself for growth.

EPS Settlements Group announced its refreshed brand and new name, Arcadia Settlements Group.  

Arcadia is a Greek word meaning an ideal setting in harmony with nature. It connotes a place of shelter where people find peace, security, resolution and strength. It implies care and compassion.  Arcadia was chosen because its meaning directly correlates with our company’s mission and values. Arcadia is the outcome we aspire for all the people we serve.

Certified Structured Settlement Consultant

Financial Settlement Services

Working closely with insurers, defendants, injured parties and attorneys, we assist to facilitate structured settlements of complex personal injury claims.  I tailor benefit payouts for each case to meet future needs and maximize tax free growth to provide financial peace of mind to injured parties and their families.  Licensed in all states, I travel across the country to attended meditations, settlement conferences and meet with attorneys, claims adjusters and/or claimants regarding the benefits of structured settlements.

Nationwide

Coordinating structured settlement opportunities to facilitate needs based negotiations, we provide the opportunity to enhance settlement negotiations and maximize settlements for all parties. 
Successful implementation requires sharp attention to detail to customize a holistic settlement plan with expertly prepared settlement documents in coordination with claimants, defendants, claims partners and legal professionals.


Successful implementation requires sharp attention to detail to customize a holistic settlement plan with expertly prepared settlement documents in coordination with claimants, defendants, claims partners and legal professionals.

Structured Settlement Consultant

Maintained current knowledge of mechanism of injury, current guidelines in the claims function, and policy changes to determine proper policy coverage, evaluation, negotiation and settlement of personal injury claims. Held highest operational score for same day contacts and prompt settlements, dedicating time on weekends and evenings to deliver “On Your Side” service to all Nationwide customers.

Senior Casualty Claim Professional

Nationwide Insurance

Developed peer associate training and worked directly with customers to secure new business opportunities. Underwrote applications, provided communication regarding new procedures, communicated with internal sales representatives for annuity contracts. Facilitated financial transfers from external while serving as a liaison between relinquishing institutions and investment brokers. Developed a systematic approach and guideline for understanding Fidelity’s process for relinquishing funds which substantially improved the organization of workflow and acquisition of transferring funds.

Annuity Services

I Help Attorneys and Individuals Understand The Win-Win Benefits of Structured Settlements | Providing Financial Peace of Mind for Injured People and Families

I came to LinkedIn to build some win-win relationships and help people get on the path to financial independence. I encourage you to connect with me, and I assure you that I won't be soliciting you in any way. But contact me if you want to learn more about what I do.

I guide INJURED PEOPLE through the complicated and complex settlement process. I truly understand and empathize with the uncertainty, emotional, physical, and financial struggle resulting from an unexpected injury.

INSURANCE COMPANIES across the US work with me to provide structured settlement solutions. I am open to adding partnerships with insurers. To learn more about myself and Arcadia Settlements, send me a LinkedIn message or email me at jlamb@teamarcadia.com.

I work with LEGAL AND CLAIM PROFESSIONALS across the country to identify claim settlement opportunities to maximize settlements and achieve successful settlement resolution. 

To learn more about how myself and Arcadia Settlements can help you and your loved ones, please send me a LinkedIn message or email me at jlamb@teamarcadia.com.

MORE ABOUT ME AND MY SERVICES
My trusted, comprehensive approach maximizes settlement opportunities to provide financial security and peace of mind for injured parties and their families. This includes consideration of government benefits and evaluating fixed and market-based investment opportunities.   

My detailed approach educates all parties in the claims process, including financial advisors, on structured settlement opportunities. I work with legal and claim professionals to identify claim settlement opportunities to maximize settlements.  I work with financial advisors to help evaluate the unique tax-free investment options that are not available after the claim settles.
 
As a Master’s Certified Structured Settlement Consultant at Arcadia Settlements, I offer our customers more:

➢ I have over 20 years of experience in the insurance industry.
➢ I’ve facilitated over $500M of structured settlements and offer a unique financial planning background and claims experience.
➢ I’m an employee, not an independent consultant. Arcadia Settlements has an entire team supporting my clients and their needs for years into the future - even if something should happen to me.
➢ Our IT department is state-of-the-art and implements the highest SOC 2 Type II and HIPAA Hitech compliance standards to protect privacy of all parties at all costs.
 
To learn more about how myself and Arcadia Settlements can help you and your loved ones, please send me a LinkedIn message or email me at jlamb@teamarcadia.com.

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Jodie Lamb

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