Linda Jensen
Founder, Heart Financial Group
Helping you increase profits, minimize taxes, and protect what matters most.
I didn’t grow up in a world of balance sheets and boardrooms. I grew up in survival mode—as a little girl in a chaotic home, protecting my younger siblings from violence and instability. That role of protector never left me. It simply evolved.
Today, I protect business owners.
I founded Heart Financial Group to help people like you—successful, hard-working, visionary business owners—protect your income, your business, your future, and your family legacy. Through smart, strategic tax planning, I help you stop overpaying the IRS and start putting that money where it belongs: back into your life, your mission, and your long-term wealth.
Most CPAs focus on compliance. They file what’s already happened. But tax strategy is about planning. It’s about being proactive—looking ahead, running the numbers, and designing a plan to capture every local, state, federal, and even global tax incentive you're entitled to.
Our proprietary program evaluates every entity you own, across every jurisdiction, to uncover hidden opportunities—often resulting in hundreds of thousands of dollars in savings.
But for me, this is about more than numbers. It’s about helping you live with intention. To build something meaningful. To experience the freedom and peace that come from stewarding your resources wisely.
My mission is deeply personal. I know what it’s like to feel unprotected. I also know the power of having someone in your corner. Someone who fights for you, plans for you, and sees the bigger picture.
At Heart Financial Group, we don’t just do strategy—we serve as a shield. So you can grow with confidence, protect what you’ve built, and leave a legacy that reflects your values.
Because you deserve more than compliance.
You deserve clarity, strategy, and peace of mind.
Strategic Tax Planning for Business Owners (Services include)
Tax-planning advice designed to minimize the exposure of businesses and individuals.
FICA and Workers' Compensation Optimization – Identifying strategies to lower payroll-related taxes.
R&D Tax Credits, Cost Segregation, and WOTC Tax Credits
Reducing Capital Gains Taxes
Reducing Estate Taxes
Retirement Plan Tax Advantages – Designing tax-efficient retirement savings plans that benefit both business owners and individuals.
Heart Financial Group specializes in leveraged strategies designed for the optimal success of business clients.
Exit Tax Strategies – Linda is an expert in all aspects of Exit Planning. In addition, she works to ensure a business sale or succession is structured to reduce capital gains taxes and preserve wealth
Helping Business Owners Exit Successfully
Linda is particularly passionate about business exit planning, helping owners prepare for smooth transitions while protecting their legacy. Her book, What Is Your Exit Strategy? provides valuable insights into this complex process, guiding entrepreneurs toward a successful financial future.
"Every successful business owner has a vision—not just for profit, but for legacy. Yet too many are unknowingly overpaying in taxes and missing opportunities to grow and protect what they’ve built. I help business owners uncover hidden tax strategies, maximize their wealth, and create a future that reflects their hard work and values. If you’re ready to stop leaving money on the table and start building a legacy that lasts, let’s talk." – Linda Jensen
Our Mission
We are your tax planning partner.
Our goal is to increase your business profits, your valuation, and the multiple on your business at exit—through smart strategies that reduce taxes and expenses.
Linda Jensen
Founder, Heart Financial Group
Helping you increase profits, minimize taxes, and protect what matters most.
I didn’t grow up in a world of balance sheets and boardrooms. I grew up in survival mode—as a little girl in a chaotic home, protecting my younger siblings from violence and instability. That role of protector never left me. It simply evolved.
Today, I protect business owners.
I founded Heart Financial Group to help people like you—successful, hard-working, visionary business owners—protect your income, your business, your future, and your family legacy. Through smart, strategic tax planning, I help you stop overpaying the IRS and start putting that money where it belongs: back into your life, your mission, and your long-term wealth.
Most CPAs focus on compliance. They file what’s already happened. But tax strategy is about planning. It’s about being proactive—looking ahead, running the numbers, and designing a plan to capture every local, state, federal, and even global tax incentive you're entitled to.
Our proprietary program evaluates every entity you own, across every jurisdiction, to uncover hidden opportunities—often resulting in hundreds of thousands of dollars in savings.
But for me, this is about more than numbers. It’s about helping you live with intention. To build something meaningful. To experience the freedom and peace that come from stewarding your resources wisely.
My mission is deeply personal. I know what it’s like to feel unprotected. I also know the power of having someone in your corner. Someone who fights for you, plans for you, and sees the bigger picture.
At Heart Financial Group, we don’t just do strategy—we serve as a shield. So you can grow with confidence, protect what you’ve built, and leave a legacy that reflects your values.
Because you deserve more than compliance.
You deserve clarity, strategy, and peace of mind.
Helping Business Owners Exit Successfully
Linda is particularly passionate about business exit planning, helping owners prepare for smooth transitions while protecting their legacy. Her book, What Is Your Exit Strategy? provides valuable insights into this complex process, guiding entrepreneurs toward a successful financial future.
"Every successful business owner has a vision—not just for profit, but for legacy. Yet too many are unknowingly overpaying in taxes and missing opportunities to grow and protect what they’ve built. I help business owners uncover hidden tax strategies, maximize their wealth, and create a future that reflects their hard work and values. If you’re ready to stop leaving money on the table and start building a legacy that lasts, let’s talk." – Linda Jensen
Our Mission
We are your tax planning partner.
Our goal is to increase your business profits, your valuation, and the multiple on your business at exit—through smart strategies that reduce taxes and expenses.
TAX STRATEGY & BUSINESS TOPICS
UNLOCK HIDDEN TAX SAVINGS: BOOST CASH FLOW WITH COST SEGREGATION FOR REAL ESTATE OWNERS
Cost segregation allows real estate owners to accelerate depreciation by reclassifying property components into shorter recovery periods, resulting in significant tax savings. This strategy boosts cash flow and ROI by reducing taxable income and enabling reinvestment of those savings into business growth. It applies to various property types and even offers retroactive benefits, making it a powerful tool for enhancing financial planning and overall profitability.
DRIVE INNOVATION & MAXIMIZE R&D SAVINGS
The R&D Tax Credit is a powerful federal incentive designed to reward businesses for innovation through product, process, or software development. By identifying and claiming qualifying expenses—like employee wages, supplies, and outsourced research—you can reduce your tax liability dollar-for-dollar. These savings can be reinvested into your business to accelerate growth, hire top talent, and gain a competitive edge, all while supporting a sustainable, long-term strategy for profitability and innovation.
MAXIMIZE TAX SAVINGS & ELEVATE EMPLOYEE WELLNESS WITH IRC SECTION 125
IRC Section 125 offers a strategic, no-cost solution for employers to boost cash flow by saving $600–$700 per employee annually while increasing take-home pay for employees by up to $100 per month. This tax-advantaged program enhances employee benefits through 24/7 telemedicine access and biometric wellness tools—all without adding financial burden to the business or staff. By implementing a Section 125 wellness plan, companies can reduce payroll taxes, improve workforce health, and foster greater retention and satisfaction.
LOWER TAXES & STRENGTHEN YOUR WORKFORCE WITH THE WORK OPPORTUNITY TAX CREDIT (WOTC)
The Work Opportunity Tax Credit (WOTC) is a federal program that rewards businesses with $2,400 to $9,600 in tax credits for each eligible hire from targeted groups, helping to reduce hiring costs and tax liability. By participating, companies not only boost profitability and improve cash flow but also promote diversity and support underserved communities. WOTC offers a win-win: grow your team strategically while reinvesting tax savings into expansion, innovation, and long-term workforce development.
ACHIEVE TAX-FREE STATUS AND EMPOWER EMPLOYEES WITH AN ESOP
Implementing an Employee Stock Ownership Plan (ESOP) can transform your business into a tax-exempt entity, eliminating federal income taxes and potentially state and local taxes, depending on jurisdiction. This structure not only preserves your company's legacy but also enhances employee engagement and financial well-being through shared ownership. By aligning employee interests with business success, an ESOP fosters a culture of commitment and drives sustainable growth.
UNLOCK HIDDEN TAX SAVINGS: BOOST CASH FLOW WITH COST SEGREGATION FOR REAL ESTATE OWNERS
Cost segregation allows real estate owners to accelerate depreciation by reclassifying property components into shorter recovery periods, resulting in significant tax savings. This strategy boosts cash flow and ROI by reducing taxable income and enabling reinvestment of those savings into business growth. It applies to various property types and even offers retroactive benefits, making it a powerful tool for enhancing financial planning and overall profitability.
DRIVE INNOVATION & MAXIMIZE R&D SAVINGS
The R&D Tax Credit is a powerful federal incentive designed to reward businesses for innovation through product, process, or software development. By identifying and claiming qualifying expenses—like employee wages, supplies, and outsourced research—you can reduce your tax liability dollar-for-dollar. These savings can be reinvested into your business to accelerate growth, hire top talent, and gain a competitive edge, all while supporting a sustainable, long-term strategy for profitability and innovation.
MAXIMIZE TAX SAVINGS & ELEVATE EMPLOYEE WELLNESS WITH IRC SECTION 125
IRC Section 125 offers a strategic, no-cost solution for employers to boost cash flow by saving $600–$700 per employee annually while increasing take-home pay for employees by up to $100 per month. This tax-advantaged program enhances employee benefits through 24/7 telemedicine access and biometric wellness tools—all without adding financial burden to the business or staff. By implementing a Section 125 wellness plan, companies can reduce payroll taxes, improve workforce health, and foster greater retention and satisfaction.
LOWER TAXES & STRENGTHEN YOUR WORKFORCE WITH THE WORK OPPORTUNITY TAX CREDIT (WOTC)
The Work Opportunity Tax Credit (WOTC) is a federal program that rewards businesses with $2,400 to $9,600 in tax credits for each eligible hire from targeted groups, helping to reduce hiring costs and tax liability. By participating, companies not only boost profitability and improve cash flow but also promote diversity and support underserved communities. WOTC offers a win-win: grow your team strategically while reinvesting tax savings into expansion, innovation, and long-term workforce development.
ACHIEVE TAX-FREE STATUS AND EMPOWER EMPLOYEES WITH AN ESOP
Implementing an Employee Stock Ownership Plan (ESOP) can transform your business into a tax-exempt entity, eliminating federal income taxes and potentially state and local taxes, depending on jurisdiction. This structure not only preserves your company's legacy but also enhances employee engagement and financial well-being through shared ownership. By aligning employee interests with business success, an ESOP fosters a culture of commitment and drives sustainable growth.
