| Strategic Tax Planning (Triple Check Tax Plan™) | Reviews 1,400+ federal, state, and local deductions, credits, and programs. Four pillars: maximized deductions, strategic credits, tax gaps, and dynasty strategies. Average first-year estimated savings: $43,933 (Tax Hive 2022). | Every dollar saved improves DSCR — the #1 metric lenders use to size loans. More retained earnings = larger approvals across every program. | A tax-optimized P&L shows real profitability. Cleaner, more defensible EBITDA = higher multiples in due diligence. |
| Business Tax Returns | Filing by a team that knows your entity, industry, and deductions — not a generalist CPA. Cross-checked against 1,400 deductions and credits. | Accurate, on-time filings keep you off the IRS delinquency list — a hard automatic disqualifier for SBA, EIDL, and credit union financing. | Buyers request 3–5 years of business tax returns in due diligence. Professional, consistent methodology defends your numbers at the table. |
| Bookkeeping | Ongoing books so P&L, balance sheet, and cash flow are current and lender-ready at all times. Works with MyFigures inside the WĀVVES ecosystem. | Term Loans, RBL, CRE, and SBA all require clean current financials. Messy books = instant decline. Clean books = faster approvals + higher limits. | 3+ years of professionally maintained books materially raises exit value. Buyers price uncertainty into offers — clean books eliminate that discount. |
| Entity Formation | LLC, S-Corp, C-Corp structured correctly from day one — matched to tax strategy, industry, and funding goals. | Entity type determines program eligibility. C-Corp required for ROBS. Passive entities disqualified from SBA. Right structure prevents hard-stops. | Exit structure is largely determined by entity type. C-Corps allow stock sales. Get this right early — never restructure under closing pressure. |
| Business Cleanup | Fixes incorrectly formed entities, missed filings, lapsed Secretary of State standing, EIN mismatches, and mixed personal/business finances. | Secretary of State good standing is one of the 20 lender compliance items. Cleanup is often the fastest unlock in the entire system. | Compliance gaps fail due diligence. Buyers walk or re-price. Proactive cleanup means a clean, defensible entity well before exit. |
| Audit Response | Handles IRS or state audit communications, paperwork, and negotiations on your behalf. | An active audit or unresolved tax lien is a hard stop for SBA and most bank financing. Resolution restores access to every program. | An open audit during exit kills deals or escrows large portions of proceeds. Handle proactively to mitigate the risk entirely. |
| Dynasty Strategies (Pillar 4) | Family limited partnerships, irrevocable trusts, dynasty trusts, generation-skipping strategies — built while the business is operating. | Business assets and income compound inside tax-advantaged structures, reducing estate tax exposure on operating wealth. | Without structuring, up to 40% federal estate tax applies above the $15M exemption (2026). With it, proceeds compound for generations. |
| Accredited Investor Qualification | Written SEC-compliant accredited investor documentation. | Unlocks private equity, real estate syndications, venture deals, QOZ, and private placements — a parallel capital stack with no bank, no bureau. | Deploy proceeds into 1031 exchanges, QOZ investments, and private deals that defer or eliminate capital gains tax on the sale. |