Heart Financial Group Services

At Heart Financial Group, we specialize in helping business owners maximize profitability, reduce tax liabilities, and secure long-term financial stability. Our proprietary software analyzes thousands of state, local, and federal tax incentives in seconds, ensuring that every possible deduction, credit, and incentive is leveraged to your advantage. Our services include:

Tax Planning Strategies

We provide cutting-edge tax planning strategies designed to minimize both business and personal tax liabilities.

  • Key Features:
  • ✔ Tax strategy optimization
  • ✔ Payroll tax efficiency
  • ✔ R&D tax credits, cost segregation, WOTC incentives
  • ✔ Retirement plan tax structuring
  • ✔ Legacy and estate tax planning

Exit Planning & Succession

Transition your business smoothly while maximizing financial gains and minimizing tax liabilities.

  • Key Features:
  • ✔ Tax-efficient exit planning
  • ✔ Succession and transition strategies
  • ✔ Business valuation assessments
  • ✔ Capital gains tax minimization
  • ✔ ESOP (Employee Stock Ownership Plan) setup

Financial Optimization

Unlock hidden profits and optimize financial strategies to improve cash flow and enhance business value.

  • Key Strategies:
  • ✔ Cost segregation to accelerate depreciation
  • ✔ Payroll tax reduction strategies
  • ✔ Expense analysis to eliminate waste
  • ✔ Business performance metrics for efficiency

Estate & Legacy Planning

Protecting your wealth and securing a legacy for future generations requires careful planning.

  • Key Features:
  • ✔ Estate tax reduction strategies
  • ✔ Wealth transfer planning to avoid probate
  • ✔ Charitable giving & philanthropic planning
  • ✔ Asset protection through trusts & insurance

Tax-Advantaged Retirement

We help structure tax-advantaged retirement plans to ensure long-term financial freedom.

  • Key Features:
  • ✔ Defined Benefit Pension Plans
  • ✔ Tax-deferred retirement investment strategies
  • ✔ Premium-financed life insurance for estate planning
  • ✔ 401(k) and SEP IRA optimization

Comprehensive Financial Strategy

We take a proactive approach to align financial and business goals for long-term success.

  • Key Features:
  • ✔ Business financial strategy consulting
  • ✔ Debt structuring & liability reduction
  • ✔ Multi-entity tax efficiency optimization
  • ✔ Insurance solutions for risk & asset protection

Book a Consultation

We offer personalized consultations to assess your needs and tailor a financial strategy that aligns with your business goals.

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.

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