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Molly Claire: Hey, coaches? Okay, today's episode is going to be so good.

 

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Molly Claire: and especially because you're hearing it before the year's end. And this could have a pretty big impact on the taxes you pay this year. So

 

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Molly Claire: I have on the podcast today, Sandy, Tapia, Hello, welcome Sandy.

 

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Sandy Tapia, CPA: Hello! Thank you for having me.

 

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Molly Claire: So Sandy and I met a week ago. Literally, I was. I had all my podcast episodes set for, you know, through the holidays.

 

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Molly Claire: And I was speaking at tax and legal 360. It is a mark, J. Kohler event. I was there, and I sat next to Sandy at at a lunch.

 

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Molly Claire: and we started talking, and I realized that I needed to bring her here to speak to you. So Sandy is a tax advisor and more, and she's going to tell you all about that. And of course, any of you that are needing help with tax advising she can serve you, and one of the things that stood out to me in our conversation is that Sandy is specially equipped and knowledgeable to help those of you

 

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Molly Claire: who are looking for international tax help. So this would mean that you are a Us. Citizen living outside of the States, or you are not a Us. Citizen, and you are working in the States. So that is kind of a that's the backstory of why Sandy's here. And I just I know you're going to love this episode. So

 

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Molly Claire: let's do it. Are you ready, Sandy?

 

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Sandy Tapia, CPA: Yes, thank you.

 

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Molly Claire: Yes.

 

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Sandy Tapia, CPA: Okay.

 

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Molly Claire: Okay. So I know I've said a few things about you. But go ahead and tell us a little bit more about who you are, and what you do.

 

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Sandy Tapia, CPA: Yes, so I've always liked numbers since I was little. So I looked at different career paths. And I chose accounting just because it gives you so many options like I've done. I've been an accountant. I've been an auditor now I'm on a tax. I'm a tax advisor.

 

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Sandy Tapia, CPA: And the reason I also like doing this is because I like helping people, and I like helping people pay less tax and advising them on different also financial options that they can do in investments that have a tax benefit as well.

 

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Sandy Tapia, CPA: So basically, it's leading people to financial independence. You know, having assets that, you know, having having assets that provide income that they need, so they live the life that they want, and and give them more options.

 

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Molly Claire: Yeah.

 

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Sandy Tapia, CPA: With their time. Yeah.

 

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Molly Claire: I mean, it's it really is a big deal, because

 

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Molly Claire: I mean, most of us. I I'm including myself in this when I think about

 

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Molly Claire: tax and legal stuff and accounting and bookkeeping. It's just. It's not the sexiest topic, it's not. And I think that a lot of people avoid it because it seems like the unknown. It seems like one more expense to have help with that. But

 

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Molly Claire: notice what Sandy's saying is

 

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Molly Claire: by having a handle on your numbers on knowing how to really you know.

 

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Molly Claire: get a handle on those tax advantages as well. Right? It means more money in your pocket. It means better quality of life. It's really being a lot smarter with all of the hard work you're putting into your business. And that's really what we all want right. We want everything to be better and simpler, and we want to be able to make more money. So maybe not a sexy topic. But maybe it is. Maybe it is. Yeah.

 

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Molly Claire: Okay. So one of the things that I I wanted Sandy to explain to all of you and me as well is the difference between a tax advisor and a tax preparer because they're they're different.

 

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Molly Claire: Right? Yeah. So so what's the difference? So yes, we can go find someone. We can go to H. And R. Block. We can have someone prepare our taxes.

 

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Molly Claire: What's the difference between someone preparing our taxes and what you do? Which is tax advising.

 

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Sandy Tapia, CPA: Yes, there's a big difference. Because when you have a tax prepare like you said, you can just go online or down the block to one of those companies. You give them the information right there, and they prepare in front of you. But they're just gonna prepare and put in the return what you give them versus a tax advisor. You have a conversation with them. What's going on with your life where you traveled?

 

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Sandy Tapia, CPA: How's your business? So then we analyze things in your life or your activities or global activities, right

 

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Sandy Tapia, CPA: especially, and see if we can find some deductions. So it's going to lower your tax bill and give you suggestions of what you could do. For example, if you have a second home in Europe

 

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Sandy Tapia, CPA: and you're traveling there. Well, we could, and you were there for a business purpose. We can set up like a rental of your second home, and then have that as a deduction, and the special rules in the tax codes that allows you to do that. So it's identifying things in the tax code that is allowed based on your life activity your business activities as well. and and get an extra deduction or investments that could be beneficial for you. That will give you a tax credit. A tax credit. So the government gives some incentives and tax credits and tax deductions and certain investments that you if you invest in certain things. So it's identifying those things and give you ideas on what to invest. That's gonna give you a tax deduction and identifying activities. That's gonna give you a tax deduction as well like paying your kids involving them in your business. And so you don't pay tax, and you take a deduction or having a board meeting with your family, especially now during Christmas, and then you can do you can deduct that as a business expense. So you're gonna having more. You're gonna be having more deductions, which is, gonna give you money that you can reinvest and reinvest in your business or invest it in other things that gonna be beneficial for you. So that's that's a big difference.

 

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Molly Claire: Yeah, I mean, it's a huge difference, because I mean, I'll be honest with you. I think my mindset has been You know, I have a lot of confidence in the person that does my taxes, and so I'm covered. I'm set. But that's I mean, I'm just imagining all the things I've been missing out on, because building a business is a lot of work, and it's a lot of expense, and my guess is that there are a lot of little things that most of us could be doing that might make a big difference in how much we have to pay or how much we're able to keep.

 

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Molly Claire: Yeah.

 

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Sandy Tapia, CPA: Exactly. Yeah. And the more you keep. If you can use it for other things on financial instruments to invest or reinvest in your business.

 

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Sandy Tapia, CPA: Yeah.

 

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Molly Claire: It's really it's being. It's oh, sorry! Go ahead.

 

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Sandy Tapia, CPA: Yeah. So and millionaires do this. Millionaires have

 

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Sandy Tapia, CPA: a tax advisor team. And I don't want to mention names. But a lot of people in real estate. They take advantage of accelerated depreciation, so sometimes they don't pay in. They don't pay any tax.

 

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Molly Claire: Yeah, yeah.

 

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Sandy Tapia, CPA: And they have the tax advisors helping them do all these tax loopholes and identifying those strategies.

 

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Molly Claire: Yeah. Yeah. And I think you know something I want to

 

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Molly Claire: just highlight here for those of you. Listening is that you know it's it's true we're always conscientious about. What am I spending my money on and spending money to hire a tax advisor

 

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Molly Claire: is isn't as flashy or as exciting as some of the things we may want to invest in right. And so I think we can see it as oh, another expense! That's as a nuisance. That is a nuisance. But I think what's really fantastic about this I know we were talking about this before is that if someone comes to you, Sandy, and has a just like a free discovery call with you. You're really going to evaluate. If them working with you is actually going to keep money in their pocket right like. That's the whole. You don't want them to hire you unless it's going to be a financial benefit to them.

 

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Sandy Tapia, CPA: Correct. Yeah, I don't wanna help someone if I'm if they're not gonna save at least the amount that they're paying me to save.

 

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Molly Claire: Yes.

 

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Sandy Tapia, CPA: And the other thing is we'll identify their legal structure. You know. Make sure that if they immediately need a revocable trust. so not only is the tax side, but also the legal structure, because that also impact the amount of taxes that they could pay and their legal and the revocable trust. I know a lot of people talk about trust sometimes, but in the Us. That's important, because when you transfer assets after you pass away. You don't have to go through the courts, through probate and.

 

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Molly Claire: Your family.

 

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Sandy Tapia, CPA: Hire lawyers and spend money on lawyer fees, and so on. So we looked at the whole structure, the legal tax and your assets financially. Well, and if you wanna also build generational wealth, we also.

 

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Molly Claire: Helping.

 

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Sandy Tapia, CPA: With that

 

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Molly Claire: Yeah, I mean, and it's it's like, I just keep thinking about all of my clients and all the coaches I've seen, you know, over the years I've been in this business. and how hard we work, how much we put in. And I mean, this is just obviously a really smart move to be able to maximize the work that we're putting in. Exactly. And we all have to pay taxes. So we want to be smart about paying the least tax? Because yes, we.

 

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Sandy Tapia, CPA: Wanna put that money in our pockets, and because we work so hard for it. Yeah.

 

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Molly Claire: I know well, and a couple of things that are coming to mind. You know, 2 things that I'm really big on, and this is a huge theme throughout. You know the podcast episodes and interviews is number one is our quality of life, right? A business that supports our quality of life. And what a smart way to really ensure that we are doing just that right. I always say, like our our business should support the life that we want. It shouldn't be right the other way around. And I feel like this is in line with that right where we're being smarter with our hours, with our time, with how we're doing things so that we can have that quality of life. And the other thing that's really standing out to me is I talk a lot about mastery right? Being the best. And as Sandy was talking, I'm sure many of you have talked with people and and said, Okay, what's the best way? What's the best designation for my business? An Llc. Like what's an S. Corp. And I think in my experience there can be there can be pretty simple recommendations about that. And I've heard people say, Oh, well, it's not a big deal. It's either this or this. But what I'm hearing from you, Sandy, and this is why I wanted to bring you here. Is that you really are that mastery level of expertise, of really understanding in depth. what your clients need to know, and what you need to know in order to advise them to make the very best decisions, not just something that's an option. And it's okay. But this is the way to go to maximize the effort in your business.

 

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Sandy Tapia, CPA: Correct, and everyone's different. So whatever fits one person is not gonna fit another person. So this is why we go into conversations with our clients, either monthly or quarterly, and check in with them what's going on? What they want to invest on has their business and then we can make suggestions and identify those strategies.

 

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Molly Claire: Yeah. Yeah. Okay, I have a couple other really important questions that I think are going to give all of you, all of my listeners some really good insights, but something I just want to touch on quickly because we talked about this before we started recording as well. So we've identified. Okay, a tax advisor versus a tax. Prepare right? That tax advisor is helping you strategize, looking at the big picture, finding those ways. You can keep more money in your pocket, and then you also had touched on the difference between a bookkeeper who is simply tracking your expenditures versus an accountant who is also being more strategic about that. So tell tell us a little bit about that, because my understanding is you do that as well.

 

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Sandy Tapia, CPA: Right? Yeah, yes, correct. I'm a certified public accountant in the Us. So we're we go through this extensive certification trainings and audit accounting tax and business.

 

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Molly Claire: Hmm.

 

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Sandy Tapia, CPA: Managerial. So a bookkeeper, they're just trained how to use the software basically and just keep track of your expenses. An accountant is gonna identify the correct journal entries. And if there's an entry done wrong because they're gonna look at your profit and loss right? And they're gonna look at your balance sheet accounts, and they'll be able to identify if there's any errors and and stuff, because when there's errors you report that to your tax return. There's gonna be an error, and then you're gonna be paying more in tax.

 

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Molly Claire: So.

 

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Sandy Tapia, CPA: So it's important to have an accountant that knows that's gonna identify the errors. Make sure that your financial statements are correctly stated as well.

 

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Molly Claire: Hmm.

 

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Sandy Tapia, CPA: And they're gonna be able to give you strategies about cash flow and identified. Okay, you have this recurring expense, or you have these expenses that maybe you can should cut down or identify your seasonal. If you have a seasonal business where you have more in more income or more expenses, a certain time, and they can also project your cash, flow. And then make suggestion. Okay, maybe you should have a line of credit. Just there as a backup. So you don't wanna have a credit card right and carry that forward yeah, yeah, yeah.

 

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Molly Claire: It's becoming more and more evident that there's a lot that we don't know. And, thank goodness, we don't have to know it all, because there are people like you that are really skilled at this. Okay, so here's a question. I'm sure all of you listening are wanting to know this. I know I want to know this. So if if I'm thinking about just having someone prepare my taxes versus bringing on a tax advisor like you. what is the potential difference between the 2 in terms of actual money that is going to stay in my pocket? What is the real impact of that potentially.

 

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Sandy Tapia, CPA: Yeah, it could be thousands of dollars, because the tax advisor is going to suggest more expenses, right? And the tax preparer is not. They're just going to take your information, put it in the software and give you a tax return. The tax advisor is going to talk to you about. What have you been doing? Did you travel somewhere? Okay, that could be an expense. We can take on. So it it could mean a big difference, also different types of investments for retirement you mentioned. You have a Sep account, but sometimes it might be better for you to have a safe harbor account, or there's other ones that there's other options for solo entrepreneurs. It's also called a cash balance account. So 1st I want to hear about you. What's your objective? How do you want to compensate your employees? So then I can tell you the best fit retirement account plan for you.

 

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Molly Claire: Specifically.

 

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Sandy Tapia, CPA: So that's gonna be another difference as well. We can talk about life insurance. If that's appropriate for you. So the tax advisor is gonna talk to you about more things and more options that could be beneficial for you versus a tax preparer. You're just gonna give them the information. What you think is an expense or not, and then just put it in the software, and that's it. And you could be missing now, and thousands and thousands of dollars, especially for retirement for your business. So it's huge. We could have a whole day conversation about this.

 

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Molly Claire: I know. I bet.

 

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Sandy Tapia, CPA: I mean.

 

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Molly Claire: Thousands right? And it's like Because yes, I have a sep Ira, and I think ever since I was advised to go that direction. I've always just had this assumption that I'm doing the smartest thing. And now you're mentioning things that I don't even know about. So yeah, and I think I just want to highlight again. What I love about this is not only does as we get all of this stuff as we get all our ducks in a row with this, and and we know that it's taken care of. There's such a peace of mind in that that I think probably too many of us don't give ourselves the gift of doing that. This is one of the things, and and this is why I just think it's so perfect that you're here, not only because you can talk about these things before the end of the year, right? So that people can take some action to maybe be a little bit smarter. Going forward. But this is something I'm really focusing on in the New Year. It's like I'm I'm even doing an audit of my life and make sure. Okay, like my will. You know, having that in in place and just just kind of those little details of life that that seem to not really happen until it seems urgent. But but I think there's so much peace of mind. And again, this is a service that we pay for. That pays us back more than we paid, which is always nice. Right.

 

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Sandy Tapia, CPA: Yes, exactly. And another thing that a lot of people don't talk about is you can self self direct your retirement account.

 

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Molly Claire: -

 

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Sandy Tapia, CPA: And then you can invest in other things other than stocks. You can invest in real estate and bitcoin and and precious metals, and never, never pay tax ever again, because the way the system is set up right now. And what that's what most people do. They set up their retirement accounts, and then, when you retire, you still have to pay tax on that money that you get from your income. So there's strategies where you don't. You don't ever have to pay ever again.

 

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Molly Claire: If that's.

 

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Sandy Tapia, CPA: Something. It's beneficial for you. So everybody has different goals. Yeah. So we will suggest the strategies based on your goals.

 

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Molly Claire: Yes, yes, yeah, I mean I. As I said, I'm so excited to to look at all of this with you.

 

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Sandy Tapia, CPA: Yeah. And I think, oh, another thing we talked about is that we live in a global global environment. So a lot of people I know they wanna retire abroad, and then you may want to retire somewhere where the Us. Has a tax treaty with that country, because you may end up paying double tax.

 

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Molly Claire: Hmm, yeah, yeah. Probably smart to get some information before you make a decision like that.

 

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Molly Claire: Yes.

 

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Molly Claire: So okay, to in just a minute. I I would love for you to give some some tips, knowing, of course, that everyone's situation is going to be a little bit different. But speak for just a minute to I I know you can help. You know anyone listening to this anyone in the Us. But also

 

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Molly Claire: tell me for my listeners who would specifically, you know.

 

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Molly Claire: would specifically benefit from your expertise in international tax.

 

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Molly Claire: Tell me, tell me why that matters that you have that special knowledge for them specifically.

 

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Sandy Tapia, CPA: Yes, when it comes to international tax. When you're living abroad, you can exclude some of your income when you're a Us. Citizen. So I know a lot of tax preparers don't take advantage of that exclusion.

 

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Molly Claire: Hmm! That's.

 

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Sandy Tapia, CPA: Well, and then there's certain classifications how to qualify for that like, how much time do you spend in the Us. Versus abroad? Or if you come to visit how much time you can stay here.

 

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Sandy Tapia, CPA: So you have that tax benefit deduction as well. So kind of strategize around that if you're a Us. Citizen, a Us. Resident green card holder as well. If you're living, if you're living outside of the Us. You need to strategize so you can pay less tax, and if, especially if you're paying tax in that other country as well.

 

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Molly Claire: Had to pay not double tax.

 

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Sandy Tapia, CPA: So that's important. Quick tips. If you're in the Us. Right you wanna have. If you're meeting your family for Christmas, if you're traveling. Make sure you you do that as a business expense, and make it a business expense, and structure it as a business expense.

 

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Sandy Tapia, CPA: Well paying your kids before the end of the year. Look at what the what's the State's standard deduction and the Federal. Usually the State standards. Deduction is less so. You want to keep it at that limit and then involve your kids and your business as well.

 

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Molly Claire: I've been putting my daughter to work the last couple of weeks, let me tell you.

 

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Sandy Tapia, CPA: There you go!

 

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Molly Claire: She is, she is. She is a designated the designated grammar Guru. So she's been helping me do some editing, and she's been helping me do some gifts for my clients. So

 

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Molly Claire: I'm I'm right. I'm on track with that.

 

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Sandy Tapia, CPA: And then kids. Nowadays they love social media. They love creating videos for you that they would love helping you absolutely. Yeah, yeah.

 

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Molly Claire: Okay.

 

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Sandy Tapia, CPA: And if you're oh, one la, one last tip, if you're gonna buy something that you need for your business now

 

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Sandy Tapia, CPA: buy it now, so you can say the the deduction now, instead of waiting the following year. If you buy an equipment a car.

 

00:22:35.905 --> 00:22:37.890

Sandy Tapia, CPA: anyway, E.

 

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Sandy Tapia, CPA: Now and then, if you have your

 

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Sandy Tapia, CPA: you were cutting out. You were cutting.

 

00:22:44.670 --> 00:22:48.940

Molly Claire: Out just a little bit so so.

 

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Sandy Tapia, CPA: Yes, what?

 

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Molly Claire: Here we go. Okay, so go back. It was cutting out just a little bit. Go back to where you were talking about potentially making purchases now versus waiting, and we'll just cut that little portion out.

 

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Sandy Tapia, CPA: Yes, so you can make purchases. Now, don't wait until the next year, if that's something you need, buy it now, so you can take that deduction this year. If you can make any prepayments on something that you know you're going to use. If you're making gifts, make sure you you it's a business gift

 

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Sandy Tapia, CPA: you can have it as a deduction as well. I think it's 25 up to 25 dollar amount.

 

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Sandy Tapia, CPA: If you have your family and your board of advisors, your board of directors.

 

00:23:41.120 --> 00:23:45.739

Sandy Tapia, CPA: You can also buy them equipment that they need like an iphone or.

 

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Molly Claire: Hmm.

 

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Sandy Tapia, CPA: Headphones, and it could be a business expense as well.

 

00:23:51.290 --> 00:23:51.730

Sandy Tapia, CPA: Yeah.

 

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Molly Claire: Okay? Well, I think my tip is that everyone needs to go have an appointment with a good tax advisor. That's the best tip, because I know there's a lot more to be learned. So and I'm definitely excited to to speak with you.

 

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Molly Claire: So as we wrap up, I am really excited that in the show notes you can. You can see where to find Sandy, and also there is a link there to set up a free discovery call, which is your opportunity to find out if

 

00:24:22.320 --> 00:24:28.500

Molly Claire: if hiring her for a you know a more in depth, consultation would be a benefit to you, and

 

00:24:28.600 --> 00:24:54.240

Molly Claire: she is being so generous to offer also a 35 discount on that in depth consultation. If you choose to do that, so make sure that you make note of that if you if you book with her, and I believe the the promo code is going to be in the show notes. But tell them more, Sandy, about what the what the best thing is to do in order to book with you and potentially move forward.

 

00:24:55.970 --> 00:24:59.869

Sandy Tapia, CPA: Yes. So the link is gonna be there to book a a

 

00:25:00.536 --> 00:25:22.299

Sandy Tapia, CPA: exploratory call. So then we will assess if you will benefit from a comprehensive consultation, because, you know, I don't wanna, you know, make you pay for something that you're not gonna get a benefit of and second of all, once you book the consultation, you can enter the the promo code, which is your name, Molly? Clear

 

00:25:22.645 --> 00:25:30.240

Sandy Tapia, CPA: and then I'll know that it's it's gonna be one of your listeners. And they can get the 35% off.

 

00:25:30.240 --> 00:25:33.210

Molly Claire: Yes, and this runs through the end of the year. Yeah.

 

00:25:33.210 --> 00:25:44.009

Molly Claire: the end of the year. Okay, so that's why. Now you all know why I disrupted my podcast schedule to have Sandy come for myself personally, and also for all of you. So

 

00:25:44.240 --> 00:25:46.070

Molly Claire: Sandy, thank you so much.

 

00:25:46.070 --> 00:25:46.550

Sandy Tapia, CPA: This is.

 

00:25:46.550 --> 00:25:48.110

Molly Claire: Been awesome.

 

00:25:48.390 --> 00:25:50.679

Molly Claire: Oh, thank you, awesome! And I look forward.

 

00:25:50.680 --> 00:25:51.919

Sandy Tapia, CPA: They don't help. Yeah.

 

00:25:51.920 --> 00:25:56.449

Molly Claire: Yeah, yeah, I mean it. It really is. It's it's a big deal. I don't think enough of us

 

00:25:56.540 --> 00:26:04.769

Molly Claire: know enough about it. I think it can be a topic that feels intimidating. I know that I have felt that way, and especially as a as a

 

00:26:04.820 --> 00:26:14.219

Molly Claire: as my coaches, right as a coach building a business. You're just you're learning so many things at once, and you don't know where to begin. But this is really something to prioritize.

 

00:26:14.710 --> 00:26:15.330

Molly Claire: Yeah.

 

00:26:15.330 --> 00:26:19.819

Sandy Tapia, CPA: Yes, absolutely, especially if you're starting out. You want to structure yourself correctly.

 

00:26:19.820 --> 00:26:20.940

Molly Claire: Yes, yes.

 

00:26:20.940 --> 00:26:21.990

Sandy Tapia, CPA: Yes.

 

00:26:21.990 --> 00:26:35.509

Molly Claire: All right, Sandy. This has been awesome. Thank you so much, and to my listeners we will have another episode for you in a couple of weeks, and I hope you are all enjoying the holiday season, so I'll talk with you next time.