A Comprehensive Consult is a deep-dive strategy session designed to bring your financial picture into focus. In this working meeting, we step into your tax returns, entity structures, and financial goals to uncover strategies that may strengthen your plan for savings, protection, and growth. The goal is clarity — a clear blueprint you can use to make confident decisions about your business and future.
Comprehensive Consult
What We Cover
Tax Return Review
Every consult begins with a careful look at your recent tax returns. This isn’t about compliance or preparing the next filing — it’s about identifying where opportunities may have been missed. We look for common oversights like underutilized deductions, inconsistent elections, or strategies that could have lowered your tax bill in past years. By understanding your current filings, we can uncover where small adjustments might create meaningful improvements moving forward.
Trifecta Mapping
A cornerstone of this consult is creating or reviewing your Trifecta — the relationship between your trust, your operating entity (often an LLC taxed as an S-Corp), and any asset-holding LLCs. Seeing this on paper or in a visual diagram makes it easier to understand how your entities work together. It also highlights gaps such as assets that aren’t properly titled, operating income being run through the wrong entity, or exposure risks that could be cleaned up. The Trifecta isn’t just a diagram; it’s a tool to clarify ownership, cash flow, and protection in one snapshot.
Tax Strategy Opportunities
With your returns and structure in view, we explore tax-saving strategies that fit your specific situation. This might include analyzing how your S-Corp salary is set, reviewing deductions for vehicles or travel, exploring rental property classifications, or identifying ways to better use retirement accounts. We also look at opportunities to bring family members into the business in a tax-smart way. The goal isn’t to throw out every strategy in the book, but to match the right ones to your situation so you can see what is realistic and achievable.
Entity and Asset Considerations
Beyond tax strategies, we review how your entities are maintained. This includes checking whether corporate minutes are up to date, whether your LLCs are properly documented, and if your estate planning documents — like a living trust — are current and funded. While we don’t draft legal documents, we help you understand what’s missing or at risk, and then connect you with licensed professionals who can handle the legal side. This way, your business and personal assets have the right foundation to grow and stay protected.
Wealth-Building Review
Finally, we step back and look at your financial trajectory. We’ll ask about debt, savings habits, retirement contributions, and your long-term goals. Whether your focus is paying off consumer debt, funding college for your kids, or building a portfolio of rental properties, this review helps you see whether your current plan is aligned with your goals. It also highlights tools you may not be using yet, such as Roth accounts, self-directed IRAs, or health-related savings plans. The aim is to connect the daily management of your business with the long-term vision of your wealth.
What You Walk Away With
Personalized Trifecta Diagram
One of the most valuable takeaways from this consult is a customized Trifecta diagram. This visual map shows how your trust, operating entity, and asset entities fit together, making it easier to see the flow of income, ownership, and protection at a glance. For many clients, this is the first time they’ve ever seen their entire financial structure laid out in one picture. It becomes a reference point you can return to whenever you make future decisions about your business, investments, or estate planning.
Written Roadmap
You will also receive a written roadmap summarizing the key findings and recommendations from the session. This isn’t a generic checklist — it’s tailored to your specific tax, business, and wealth situation. The roadmap outlines what strategies should be prioritized, what gaps need attention, and how you can take action in a practical sequence. Having this in writing provides a clear guide you can refer back to long after the consult is over, and it gives you a tangible sense of progress.
Illustration of Potential Tax Savings
Where possible, we provide illustrations of potential tax savings tied to specific strategies. For example, you might see how adjusting your S-Corp salary or setting up a retirement plan could affect your tax picture. These illustrations are not guarantees, but they help you understand the financial impact of your options. Seeing the numbers side by side equips you to make informed decisions with your CPA, attorney, or other professionals.
Implementation Checklist
Alongside the roadmap, you’ll receive a practical checklist that clarifies what can be handled within CPB Solutions and what requires collaboration with outside professionals. This ensures there is no confusion about who is responsible for each step. Whether it’s updating bookkeeping processes, holding a board meeting for your entity, or meeting with an attorney for estate documents, the checklist provides clarity and accountability.
Follow-Up Touchpoint
Finally, you won’t be left on your own after the consult. We provide a follow-up touchpoint — either a recap email or a brief session — to make sure the plan is clear and that your next steps feel manageable. This follow-up is an opportunity to ask clarifying questions and to confirm you understand the roadmap. It helps reinforce the consult as a process, not just a one-time conversation, and gives you the confidence to move forward.
Before Our Meeting
To make the consult productive, please upload these items at least 2 business days before our appointment:
- Your last 2 years of tax returns (personal and business).
- Entity documents/ Corporate Bider information (such as articles of organization or articles of incorporation; your corporate bylaws or operating agreements, corporate minutes from the last 2 years, list of corporate board members and officers).
- Will and Revocable Living Trust
- A brief summary of your current operations and investments, life insurance, and retirement accounts.
- Any credit card or loan or other debt information such as balance, monthly payment and interest rate
Our Role and Boundaries
The Comprehensive Consult is an educational and strategic service. We review, explain, and recommend options, but we do not provide legal advice or draft legal documents. When legal implementation is needed, we coordinate referrals to licensed attorneys or work alongside your existing professionals.
Proof of Process
This consult draws on frameworks pioneered by Mark J. Kohler and the Main Street Tax Pro network. The Trifecta planning model has been used in thousands of consultations nationwide to help small business owners bring clarity and structure to their tax, business, and wealth strategies.
