March 13, 2025 • 12 mins
Tax credits are leaving thousands—sometimes hundreds of thousands—of dollars on the table for small businesses who simply don't know they exist. Tim Lowe of Guardian Financial pulls back the curtain on these hidden opportunities that could transform your bottom line.
The Workers' Opportunity Tax Credit to R&D tax credits and everything in between.
What makes these services particularly valuable for small business owners is the risk-free approach. With no upfront costs and a streamlined assessment process, businesses can discover their eligibility without diverting resources from their core operations. While large corporations employ full-time tax specialists to capture these benefits, Guardian Financial levels the playing field for small and medium-sized businesses whose owners are focused on their expertise rather than tax code complexities.
Ready to stop overpaying on taxes? Visit Guardian Financial's website where seven simple questions can reveal what tax credits your business qualifies for—potentially transforming your financial outlook this tax season and beyond.
Follow BBB Serving Central Oklahoma on Facebook, Instagram and LinkedIn @BBBCentralOK
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
People are leaving a ton of money on the table
because nobody knows.
Speaker 2 (00:03):
Hey everybody, welcome back to the Build With
BBB podcast.
I'm your host, casey Farmerfrom Better Business Bureau,
serving Central Oklahoma.
Today on the podcast we haveTim Lowe with Guardian Financial
.
Tim is a longtime friend andaccredited business owner.
We're excited to have him onthe podcast today to talk about
tax credit for small business.
Tim welcome.
Speaker 1 (00:22):
Thank you.
Thank you for inviting me.
Speaker 2 (00:24):
So, tim, I always like to start out all of my
podcast episodes with tell us alittle bit about your business,
how you got started, what youoffer and how you might be able
to help small businesses.
Speaker 1 (00:36):
Well, I got started probably in the six or seven
years.
And I got started I was in theinsurance business and had a guy
with life insurance come andtalk to me about it and I talked
about tax credits and my degreeand I used to be an accountant
a long time ago.
It didn't work out, I didn'tlike it, but tax has always
interested me.
And he talked about these taxcredits and I was like it's got
(00:59):
to be easier than sellinginsurance.
People have to qualify it's.
You know, everybody pays taxesand everybody would like a tax
credit.
So I got into that and it'sbeen done for six or seven years
somewhere in there and justliked it and it's something I'm
interested in and people alwaysneed to save on their taxes.
Speaker 2 (01:14):
Yeah, and what all services does Guardian Financial
offer?
Speaker 1 (01:18):
Well, we do tax credits for small businesses.
We do some life insurance andsome retirement stuff plans, but
mostly tax credits for smalland medium-sized businesses.
Big ones have accounts andlawyers to take care of all that
stuff.
Small businesses don't haveanybody to help.
Speaker 2 (01:33):
And your ideal client is somebody with you know one
to 10 employees, or is there aspecific industry that you
really feel like you can help?
Speaker 1 (01:40):
No, we do a lot Like manufacturing is a good one, but
really any retail business,anybody who's hiring.
There's huge hiring credits andpeople.
Some people know about them butvery few people use them and so
anything.
If you've got any employees andwe can work any size business,
we can work on the biggestbusiness too.
We work with that too.
Speaker 2 (01:57):
When you say hiring credits, let's go down that line
.
Let's talk about hiring andwhat that looks like and how you
might be able to lend into someof that Okay.
Speaker 1 (02:05):
There's a thing called the workers' opportunity
tax.
It's been around since the 80s.
The problem with it is it's alot of work.
You've got 20 pages to fill out.
You've got a certain time tofill it out.
About 20% to 30% of peoplequalify, so you spend three or
four hours.
They work for a couple ofpeople and they don't qualify.
Speaker 2 (02:26):
So for that specific tax credit, only 20 to 30
percent of people who yeah, itwas originally for ex-convicts
and ex-military to help themfind jobs.
Speaker 1 (02:36):
This expanded to you know where you live, if you're
on assistance, anything, allkinds of stuff, just to go to
that program.
They all expand but they'vebeen around forever but they're
difficult to do and what we'vedone is we've made it, we've
simplified it where, if you'rehiring somebody and what we've
done is we've made it, we'vesimplified it where if you're
hiring somebody, feel likethey're giving a resume or fill
out an application you give itto us and we take care of it
(02:58):
from there.
Speaker 2 (03:02):
What are the?
Speaker 1 (03:02):
types of tax credits.
Small businesses be aware ofthat are headed into the busy
season?
I assume yes.
So there's, if you owncommercial property, there's.
It's called a cost segregationstudy.
It's a.
Cost segregation study.
Basically, your buildingdepreciates in 39 and a half
years.
Well, a lot of it the roof, theair conditioner, electrical.
Speaker 2 (03:17):
It's not going to last 30 years.
Speaker 1 (03:18):
No, it's going to last seven, eight years.
So you can get credit up frontworth hundreds of thousands of
dollars Each million dollarbuilding worth your building's
worth.
They're all different, but theycan be worth $7,500,000 tax
credit year one.
Speaker 2 (03:31):
For that type of tax credit.
Let's say that you rebuilt abuilding on.
You had an existing buildingthat's been there for a long
time.
Then you rebuild a new building.
Is that kind of like a thatproperty still counts because
it's been there for so long?
Yes, you're losing the originalfoundation.
Speaker 1 (03:46):
Yeah, no, you redo it like car dealerships.
They have to remodel everyone'shotels Every time they remodel.
They can do it again.
Speaker 2 (03:53):
Wow Okay.
Speaker 1 (03:54):
And then if they sell that, the next guy can do the
same thing.
Okay, and if he sells it nextyear, they can do it.
You can keep on doing it.
But like car dealers and hotels, they have to, restaurants
could be a great deal becausethey have to remodel every five,
six years.
Speaker 2 (04:07):
And that's like a step model ever five, six years,
and that's like a step.
I'm just asking.
But you have to do that becauseof the industry.
Speaker 1 (04:12):
Well, like the car dealers, like Ford and Chevy,
they don't want you selling outof a nasty old building.
You've got these nice new cars,but look at your old building,
yeah, and hotels especially, Imean all day in doesn't want
your building to be all beat up,so they make you do it
regularly.
Speaker 2 (04:28):
Okay, what other tax credits are available?
Speaker 1 (04:31):
Well, we look for local state all kinds.
We kind of have a system thatruns in the background.
But we do R&D tax credits andthey're year-to-year ongoing and
we do some like a credit cardaudit.
Speaker 2 (04:43):
Tell me about the D tax credit.
Speaker 1 (04:44):
R&D, research and development.
Okay, yeah, so if you I meanchemical companies or drugs
they're always coming up withnew drugs Well, they can write
off big parts of their payrolland what they do to create those
.
You kind of get some incentiveto build newer stuff.
But manufacturing, if you havea new process, restaurants, if
(05:05):
you do a new way to run arestaurant, any kind of new
process or any kind of new thingyou're working on developing,
you get a credit for that andit's year after year.
So the drug companies, they getthem.
You can apply for it year afteryear.
Yeah yeah, it just kind ofkeeps running.
We kind of.
Speaker 2 (05:16):
we take care of all that you do all the heavy
lifting.
Speaker 1 (05:18):
Yeah, we do that and we do it all.
We don't charge anything upfront.
So small businesses that don'thave accountants and lawyers,
there's really no, no, nodownside to it, Cause we're
going to look.
No downside to it because we'regoing to look.
If we don't find anything, itdoesn't cost you a penny.
Speaker 2 (05:29):
Okay.
Speaker 1 (05:30):
And that's the key to what we do and why we help
small business because theydon't have to come up with all
the money up front.
Speaker 2 (05:34):
Yeah.
Speaker 1 (05:35):
Because it's expensive.
Speaker 2 (05:35):
Well, you've been on the other side of that.
You've really been anentrepreneur and done a lot
through the years.
Speaker 1 (05:40):
I've done a few, yes.
Speaker 2 (05:42):
Yeah, what other tax credits?
Speaker 1 (05:43):
Well, we do.
Well, we do property tax rights.
So if you're building, everyyear you get a new property tax
bill and you think yours toohigh, we will go in and we go to
the hearings, we do everything,and if we don't find anything
like again, it doesn't cost youanything um, and then we will, I
mean we will argue with them,fight with them, the city and
the county, and this is how bigthe building is, and we will do
(06:06):
all that on our dock.
So you, you, at no cost.
There's certain it's gonna be acertain size building, certain
amount.
I mean we can't do just littlestuff.
You go in there and do it, butanything, mostly commercial
stuff we can have, and then wedo local and state tax credits,
whatever credits are out there.
Speaker 2 (06:21):
If the city's giving credits, we'll probably sit two
plugs into just about everythingso for any small businesses who
are listening today, I knowyou've got an absolute.
You just have tons ofinformation on your website that
businesses can find.
Tell me a little bit about that.
What information is there andresources and things that they
can find?
Speaker 1 (06:37):
Well, we actually have on our website basically
about seven questions that willask you and then it'll give you
an estimate so we can doeverything online.
I mean, I can send a deal outto them and they can.
You got 10 buildings, put allthe information in there.
It'll kind of tell you, giveyou a pretty good estimate of
what it's worth and what you cando.
So really, there's no.
(06:58):
I mean you can do it all day,every day.
People can, wherever anywherein the country, in your pajamas.
Yep, yep, you can do it.
Yeah, do it in bed time, dowhatever you wake up and do, but
there's nothing.
There's basically about sevenquestions and then they will go
through and they will, you know,with all the stuff they can
look at.
Now they know everything, theycan find it out.
(07:19):
So it goes in the.
It'll find your building, seewhen it's built, and they pretty
well know what industry you are, I mean your hotel.
They're usually worth aboutthis much.
Speaker 2 (07:29):
You're located.
It all comes down to just allthe nitty-gritty details that
are going to help place what'sbest for you yeah.
Speaker 1 (07:34):
So there's really, it's I mean, seven questions.
It's automated.
Oh it's all automated andreally if you own the business
and then I mean whoever doesyour taxes can give me all the
information.
Speaker 2 (07:46):
I think we've talked about this a few different times
, but for some businesses it'slike leaving money on the table,
because these credits are outthere.
They just might not know aboutit.
Speaker 1 (07:55):
People are leaving a ton of money on the table
because nobody knows.
You start talking about taxes,their eyes glaze over and they
go right over the head.
Yeah, they go.
Okay, tax I don't, but peopledon't know there are.
The government has a ton ofcredits but they're not very
good at advertising them.
There's, they're out there,they're all over.
There's.
Big companies make tens ofbillions of dollars and don't
(08:15):
pay taxes Because they probablyhave a full-time.
Oh, yeah, they've got full-time.
I mean I bet they spend a lotof money but they save a whole
lot more than they spend.
You and me have a business.
Yeah, I mean we're trying tomake payroll.
We have no clue.
Speaker 2 (08:27):
Your goal is to help the small business.
Speaker 1 (08:28):
Yes, help small business.
You got a guy who builds roofs.
He doesn't know anything abouttaxes.
He doesn't want that.
No, but he's an expert onroofing, yeah, and there's a lot
of kids Doctors.
Good thing they're good doctorsbecause they don't know any of
this.
They got in to be a doctor andto help people, or plumbing,
whatever they got into to dothat.
They didn't get into the bookwork because nobody likes that.
(08:50):
Just that.
There's really no risk.
Just reach out and I can sendyou a thing.
We don't even have to meet,drive around town, don't have to
do anything.
I can send you a deal and youcan look at it.
It's really a very simpleprocess.
We've made it where they don'thave to do anything.
And there's really we have adeal called it's a tax
management system.
You kind of sign up and it doeshave a cost.
(09:13):
It's like five, six dollars amonth and it runs behind the
scenes as you hire people and dostuff.
If you, you know, try to put inthere.
I'm looking at a new building.
They can tell you where's thebuilding, what's it's worth and
what your tax credit can be, andthey will look at those new
credits.
They will show you look,there's this new credit that you
might be qualified for.
Speaker 2 (09:26):
So this tax management system, is it
subscription through your?
Speaker 1 (09:33):
Yes, yeah, well, it's called Growth Management Group
is who I work with Stripe.
But they have the system.
It just runs behind the scenes,it doesn't bother you, it
doesn't do anything, it doesn'ttake your time, it doesn't do
anything, it doesn't take yourtime, it doesn't.
You know, it's not calling youevery day asking questions.
It just runs behind there andit'll spit out there's new tax
credit.
Here's your credit, and we dothe paperwork, we send it to you
or your account, wherever youwant it sent, and then they take
care of it.
We don't do any accounting.
(09:54):
We don't want to change youraccounts.
We don't want to change yourcredit card people.
We don't change anything.
We tell you where the taxes are, where the credits are, and let
your people handle it.
So there's really no, we're nottrying to change the way you do
business or anything else.
We're coming on the outside.
Here's the tax credit, haveyour people take care of it.
And then here's the paperwork,signed, ready to deliver.
If you get audited or something, we come in and we will prove.
(10:19):
You know the tax credit andstuff like that.
We're not going to say, right,you're on your own.
Speaker 2 (10:22):
Yeah, you're there to help.
Speaker 1 (10:23):
Yeah, you're going to be there and we're going to
defend what we've done.
Speaker 2 (10:25):
So link down in the show notes for anybody listening
.
Today We'll have a variety ofresources and a link to Guardian
Financial's website so that youcan fill out that seven what
did you say seven questions.
Speaker 1 (10:35):
About seven questions .
Speaker 2 (10:42):
Yeah, to kind of get until later.
Speaker 1 (10:44):
And the taxes?
I mean if you're on April 15thand you owe a bunch of taxes,
those tax cuts can come prettyfast.
If you're on a building, we cando it almost instantaneously we
look at the building and thenyou can use that credit as you
need it.
Speaker 2 (10:57):
What's that cutoff date for people to reach out to
you?
Because we are getting?
This episode should go up inFebruary.
Don't call you on April 13th.
Speaker 1 (11:11):
Well, no, I don't call you anytime.
I mean, if you're in April andyou're in a hotel and you're in
a lot of taxes, I mean we canget it.
Yeah, we can plug it in and getit done, because we're we don't
do the taxes, so we're not,we're not working seven days a
week to get those done, we'rejust doing this.
And if you have the credit, Imean you can.
I mean, if you owe taxes youalready filed, Do you have to
file April 15th and you owetaxes and you're making payments
on it and we find your credit,you can use it then.
Speaker 2 (11:33):
Oh perfect.
Speaker 1 (11:34):
If you owe taxes, you can use the credit Okay, and if
not, you can use it last.
Speaker 2 (11:46):
Tim, thank you so much for being on our episode
today.
For anybody who wants toconnect with Tim, Ronnie and
Financial, all the informationwill be linked below as we enter
tax season.
Thank you so much for listeningtoday and we will see you in
the next episode.
Bye.
People are leaving a ton of money on the table
because nobody knows.
Speaker 2 (00:03):
Hey everybody, welcome back to the Build With
BBB podcast.
I'm your host, casey Farmerfrom Better Business Bureau,
serving Central Oklahoma.
Today on the podcast we haveTim Lowe with Guardian Financial
.
Tim is a longtime friend andaccredited business owner.
We're excited to have him onthe podcast today to talk about
tax credit for small business.
Tim welcome.
Speaker 1 (00:22):
Thank you.
Thank you for inviting me.
Speaker 2 (00:24):
So, tim, I always like to start out all of my
podcast episodes with tell us alittle bit about your business,
how you got started, what youoffer and how you might be able
to help small businesses.
Speaker 1 (00:36):
Well, I got started probably in the six or seven
years.
And I got started I was in theinsurance business and had a guy
with life insurance come andtalk to me about it and I talked
about tax credits and my degreeand I used to be an accountant
a long time ago.
It didn't work out, I didn'tlike it, but tax has always
interested me.
And he talked about these taxcredits and I was like it's got
(00:59):
to be easier than sellinginsurance.
People have to qualify it's.
You know, everybody pays taxesand everybody would like a tax
credit.
So I got into that and it'sbeen done for six or seven years
somewhere in there and justliked it and it's something I'm
interested in and people alwaysneed to save on their taxes.
Speaker 2 (01:14):
Yeah, and what all services does Guardian Financial
offer?
Speaker 1 (01:18):
Well, we do tax credits for small businesses.
We do some life insurance andsome retirement stuff plans, but
mostly tax credits for smalland medium-sized businesses.
Big ones have accounts andlawyers to take care of all that
stuff.
Small businesses don't haveanybody to help.
Speaker 2 (01:33):
And your ideal client is somebody with you know one
to 10 employees, or is there aspecific industry that you
really feel like you can help?
Speaker 1 (01:40):
No, we do a lot Like manufacturing is a good one, but
really any retail business,anybody who's hiring.
There's huge hiring credits andpeople.
Some people know about them butvery few people use them and so
anything.
If you've got any employees andwe can work any size business,
we can work on the biggestbusiness too.
We work with that too.
Speaker 2 (01:57):
When you say hiring credits, let's go down that line
.
Let's talk about hiring andwhat that looks like and how you
might be able to lend into someof that Okay.
Speaker 1 (02:05):
There's a thing called the workers' opportunity
tax.
It's been around since the 80s.
The problem with it is it's alot of work.
You've got 20 pages to fill out.
You've got a certain time tofill it out.
About 20% to 30% of peoplequalify, so you spend three or
four hours.
They work for a couple ofpeople and they don't qualify.
Speaker 2 (02:26):
So for that specific tax credit, only 20 to 30
percent of people who yeah, itwas originally for ex-convicts
and ex-military to help themfind jobs.
Speaker 1 (02:36):
This expanded to you know where you live, if you're
on assistance, anything, allkinds of stuff, just to go to
that program.
They all expand but they'vebeen around forever but they're
difficult to do and what we'vedone is we've made it, we've
simplified it where, if you'rehiring somebody and what we've
done is we've made it, we'vesimplified it where if you're
hiring somebody, feel likethey're giving a resume or fill
out an application you give itto us and we take care of it
(02:58):
from there.
Speaker 2 (03:02):
What are the?
Speaker 1 (03:02):
types of tax credits.
Small businesses be aware ofthat are headed into the busy
season?
I assume yes.
So there's, if you owncommercial property, there's.
It's called a cost segregationstudy.
It's a.
Cost segregation study.
Basically, your buildingdepreciates in 39 and a half
years.
Well, a lot of it the roof, theair conditioner, electrical.
Speaker 2 (03:17):
It's not going to last 30 years.
Speaker 1 (03:18):
No, it's going to last seven, eight years.
So you can get credit up frontworth hundreds of thousands of
dollars Each million dollarbuilding worth your building's
worth.
They're all different, but theycan be worth $7,500,000 tax
credit year one.
Speaker 2 (03:31):
For that type of tax credit.
Let's say that you rebuilt abuilding on.
You had an existing buildingthat's been there for a long
time.
Then you rebuild a new building.
Is that kind of like a thatproperty still counts because
it's been there for so long?
Yes, you're losing the originalfoundation.
Speaker 1 (03:46):
Yeah, no, you redo it like car dealerships.
They have to remodel everyone'shotels Every time they remodel.
They can do it again.
Speaker 2 (03:53):
Wow Okay.
Speaker 1 (03:54):
And then if they sell that, the next guy can do the
same thing.
Okay, and if he sells it nextyear, they can do it.
You can keep on doing it.
But like car dealers and hotels, they have to, restaurants
could be a great deal becausethey have to remodel every five,
six years.
Speaker 2 (04:07):
And that's like a step model ever five, six years,
and that's like a step.
I'm just asking.
But you have to do that becauseof the industry.
Speaker 1 (04:12):
Well, like the car dealers, like Ford and Chevy,
they don't want you selling outof a nasty old building.
You've got these nice new cars,but look at your old building,
yeah, and hotels especially, Imean all day in doesn't want
your building to be all beat up,so they make you do it
regularly.
Speaker 2 (04:28):
Okay, what other tax credits are available?
Speaker 1 (04:31):
Well, we look for local state all kinds.
We kind of have a system thatruns in the background.
But we do R&D tax credits andthey're year-to-year ongoing and
we do some like a credit cardaudit.
Speaker 2 (04:43):
Tell me about the D tax credit.
Speaker 1 (04:44):
R&D, research and development.
Okay, yeah, so if you I meanchemical companies or drugs
they're always coming up withnew drugs Well, they can write
off big parts of their payrolland what they do to create those
.
You kind of get some incentiveto build newer stuff.
But manufacturing, if you havea new process, restaurants, if
(05:05):
you do a new way to run arestaurant, any kind of new
process or any kind of new thingyou're working on developing,
you get a credit for that andit's year after year.
So the drug companies, they getthem.
You can apply for it year afteryear.
Yeah yeah, it just kind ofkeeps running.
We kind of.
Speaker 2 (05:16):
we take care of all that you do all the heavy
lifting.
Speaker 1 (05:18):
Yeah, we do that and we do it all.
We don't charge anything upfront.
So small businesses that don'thave accountants and lawyers,
there's really no, no, nodownside to it, Cause we're
going to look.
No downside to it because we'regoing to look.
If we don't find anything, itdoesn't cost you a penny.
Speaker 2 (05:29):
Okay.
Speaker 1 (05:30):
And that's the key to what we do and why we help
small business because theydon't have to come up with all
the money up front.
Speaker 2 (05:34):
Yeah.
Speaker 1 (05:35):
Because it's expensive.
Speaker 2 (05:35):
Well, you've been on the other side of that.
You've really been anentrepreneur and done a lot
through the years.
Speaker 1 (05:40):
I've done a few, yes.
Speaker 2 (05:42):
Yeah, what other tax credits?
Speaker 1 (05:43):
Well, we do.
Well, we do property tax rights.
So if you're building, everyyear you get a new property tax
bill and you think yours toohigh, we will go in and we go to
the hearings, we do everything,and if we don't find anything
like again, it doesn't cost youanything um, and then we will, I
mean we will argue with them,fight with them, the city and
the county, and this is how bigthe building is, and we will do
(06:06):
all that on our dock.
So you, you, at no cost.
There's certain it's gonna be acertain size building, certain
amount.
I mean we can't do just littlestuff.
You go in there and do it, butanything, mostly commercial
stuff we can have, and then wedo local and state tax credits,
whatever credits are out there.
Speaker 2 (06:21):
If the city's giving credits, we'll probably sit two
plugs into just about everythingso for any small businesses who
are listening today, I knowyou've got an absolute.
You just have tons ofinformation on your website that
businesses can find.
Tell me a little bit about that.
What information is there andresources and things that they
can find?
Speaker 1 (06:37):
Well, we actually have on our website basically
about seven questions that willask you and then it'll give you
an estimate so we can doeverything online.
I mean, I can send a deal outto them and they can.
You got 10 buildings, put allthe information in there.
It'll kind of tell you, giveyou a pretty good estimate of
what it's worth and what you cando.
So really, there's no.
(06:58):
I mean you can do it all day,every day.
People can, wherever anywherein the country, in your pajamas.
Yep, yep, you can do it.
Yeah, do it in bed time, dowhatever you wake up and do, but
there's nothing.
There's basically about sevenquestions and then they will go
through and they will, you know,with all the stuff they can
look at.
Now they know everything, theycan find it out.
(07:19):
So it goes in the.
It'll find your building, seewhen it's built, and they pretty
well know what industry you are, I mean your hotel.
They're usually worth aboutthis much.
Speaker 2 (07:29):
You're located.
It all comes down to just allthe nitty-gritty details that
are going to help place what'sbest for you yeah.
Speaker 1 (07:34):
So there's really, it's I mean, seven questions.
It's automated.
Oh it's all automated andreally if you own the business
and then I mean whoever doesyour taxes can give me all the
information.
Speaker 2 (07:46):
I think we've talked about this a few different times
, but for some businesses it'slike leaving money on the table,
because these credits are outthere.
They just might not know aboutit.
Speaker 1 (07:55):
People are leaving a ton of money on the table
because nobody knows.
You start talking about taxes,their eyes glaze over and they
go right over the head.
Yeah, they go.
Okay, tax I don't, but peopledon't know there are.
The government has a ton ofcredits but they're not very
good at advertising them.
There's, they're out there,they're all over.
There's.
Big companies make tens ofbillions of dollars and don't
(08:15):
pay taxes Because they probablyhave a full-time.
Oh, yeah, they've got full-time.
I mean I bet they spend a lotof money but they save a whole
lot more than they spend.
You and me have a business.
Yeah, I mean we're trying tomake payroll.
We have no clue.
Speaker 2 (08:27):
Your goal is to help the small business.
Speaker 1 (08:28):
Yes, help small business.
You got a guy who builds roofs.
He doesn't know anything abouttaxes.
He doesn't want that.
No, but he's an expert onroofing, yeah, and there's a lot
of kids Doctors.
Good thing they're good doctorsbecause they don't know any of
this.
They got in to be a doctor andto help people, or plumbing,
whatever they got into to dothat.
They didn't get into the bookwork because nobody likes that.
(08:50):
Just that.
There's really no risk.
Just reach out and I can sendyou a thing.
We don't even have to meet,drive around town, don't have to
do anything.
I can send you a deal and youcan look at it.
It's really a very simpleprocess.
We've made it where they don'thave to do anything.
And there's really we have adeal called it's a tax
management system.
You kind of sign up and it doeshave a cost.
(09:13):
It's like five, six dollars amonth and it runs behind the
scenes as you hire people and dostuff.
If you, you know, try to put inthere.
I'm looking at a new building.
They can tell you where's thebuilding, what's it's worth and
what your tax credit can be, andthey will look at those new
credits.
They will show you look,there's this new credit that you
might be qualified for.
Speaker 2 (09:26):
So this tax management system, is it
subscription through your?
Speaker 1 (09:33):
Yes, yeah, well, it's called Growth Management Group
is who I work with Stripe.
But they have the system.
It just runs behind the scenes,it doesn't bother you, it
doesn't do anything, it doesn'ttake your time, it doesn't do
anything, it doesn't take yourtime, it doesn't.
You know, it's not calling youevery day asking questions.
It just runs behind there andit'll spit out there's new tax
credit.
Here's your credit, and we dothe paperwork, we send it to you
or your account, wherever youwant it sent, and then they take
care of it.
We don't do any accounting.
(09:54):
We don't want to change youraccounts.
We don't want to change yourcredit card people.
We don't change anything.
We tell you where the taxes are, where the credits are, and let
your people handle it.
So there's really no, we're nottrying to change the way you do
business or anything else.
We're coming on the outside.
Here's the tax credit, haveyour people take care of it.
And then here's the paperwork,signed, ready to deliver.
If you get audited or something, we come in and we will prove.
(10:19):
You know the tax credit andstuff like that.
We're not going to say, right,you're on your own.
Speaker 2 (10:22):
Yeah, you're there to help.
Speaker 1 (10:23):
Yeah, you're going to be there and we're going to
defend what we've done.
Speaker 2 (10:25):
So link down in the show notes for anybody listening
.
Today We'll have a variety ofresources and a link to Guardian
Financial's website so that youcan fill out that seven what
did you say seven questions.
Speaker 1 (10:35):
About seven questions .
Speaker 2 (10:42):
Yeah, to kind of get until later.
Speaker 1 (10:44):
And the taxes?
I mean if you're on April 15thand you owe a bunch of taxes,
those tax cuts can come prettyfast.
If you're on a building, we cando it almost instantaneously we
look at the building and thenyou can use that credit as you
need it.
Speaker 2 (10:57):
What's that cutoff date for people to reach out to
you?
Because we are getting?
This episode should go up inFebruary.
Don't call you on April 13th.
Speaker 1 (11:11):
Well, no, I don't call you anytime.
I mean, if you're in April andyou're in a hotel and you're in
a lot of taxes, I mean we canget it.
Yeah, we can plug it in and getit done, because we're we don't
do the taxes, so we're not,we're not working seven days a
week to get those done, we'rejust doing this.
And if you have the credit, Imean you can.
I mean, if you owe taxes youalready filed, Do you have to
file April 15th and you owetaxes and you're making payments
on it and we find your credit,you can use it then.
Speaker 2 (11:33):
Oh perfect.
Speaker 1 (11:34):
If you owe taxes, you can use the credit Okay, and if
not, you can use it last.
Speaker 2 (11:46):
Tim, thank you so much for being on our episode
today.
For anybody who wants toconnect with Tim, Ronnie and
Financial, all the informationwill be linked below as we enter
tax season.
Thank you so much for listeningtoday and we will see you in
the next episode.
Bye.
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