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5335 Far Hills Ave, Suite 300, Dayton, OH 45429

Break Free From The
Traditional Tax Trap

Keep More of Your Money Now and in Retirement

Take Control Now

Our Mission: Helping You Keep More of What you Earn, & Earn More On What You Keep

At Safe Money Partners, we educate our clients so they can start learning more about how taxes impact retirement and their financial future. Then, we help find opportunities to create and build wealth with the money they already have.

Americans have a choice. You can have the government’s retirement plan or you can create your own custom plan that gives you the freedom of choice and keep more of your hard-earned income, and increase it!

  • One plan naturally SEPARATES you from the tax-trap that is the TRADITIONAL system. The other plan HANDCUFFS you because you never read the ‘fine print’.
  • One plan provides you with LIQUIDITY all through your working years. The other plan locks away your money so you are forced to acquire debt every time you are in a pinch.
  • One plan encourages you to grow additional tax-free assets for use anytime. The other plan discourages growth often with high fees and underperforming investment options.

Our well-rounded team can help give you the power to have control over the choices available to you now and in retirement. Start making your money work for you, instead of “waiting” for retirement. Maintain and improve your current lifestyle by creating a plan that encompasses your entire financial life.

How Much of Your Monthly Payment
Goes Towards Interest?

Calculate Your Effective Interest Cost

Use this tool to help you understand how to calculate the interest you’re ACTUALLY paying on your debts.

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How Much of Your Monthly Payment Goes Towards Interest?

Use this tool to help you understand how to calculate the interest you’re ACTUALLY paying on your debts.

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What Percentage Of Your Money Hasn’t Been Taxed Yet?

Use this tool to find out what percentage of your money in various accounts has yet to be taxed and what that amount will be.

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Services

Fee-Only Divorce Financial Planning

If you are contemplating divorce/separation, are in the divorce process or already divorced you deserve the opportunity to work with someone who has studied what the rights, benefits, and entitlements are of someone in your situation. Let’s discuss what is important to you related to life after divorce and what planning looks like for you to still achieve your financial goals. (Divorce Financial Planning by SMP Strategies, LLC)

Tax-Aware Retirement Strategies

Are you compounding your retirement monies or are you compounding your future tax liability? Do you want to focus on a future that has taxable income or tax-exempt income? An analysis of your savings buckets can help you better understand if you have more allocation going to the tax-deferred ‘bucket’ rather than the tax-free ‘bucket’ for your retirement.

Roth IRA Conversions

If you believe taxes are going to go up in the future you may be one of the many people in American that want to better understand how you might be able to convert your Qualified monies to a Roth IRA.

Social Security Maximization

Many people are still not aware that their Social Security may be subject to taxation during retirement. A provisional income analysis will provide more insight for you.

Estate Planning

Free Trial(Services offered through Legacy Planning Associates) Are you in need of POAs, Wills, Trusts, or Planned Giving? Our simple and easy to complete questionnaire gives you the power to personalize your estate plan to your family’s needs and desires.

Debt Elimination Strategies

Still making the minimums and not making a dent in your debt? It’s time to start planning to pay off your debt for good and plan for the future. We can create a unique plan to help you pay off your debt and start planning for your financial future.

Business Tax Reduction Strategies

Our experience over the past 35 years shows that 93% of business owners overpay on taxes. It’s sad for sure but it’s not the fault of your CPA. The vast majority of CPAs do not know how to do this level of (or any) tax planning simply because they are not trained to do so. Traditionally their work focuses on ‘tax compliance work’ rather than ‘strategy’. Learn why what your CPA does for you is not strategic nor is it nor is it tax planning. Discover why details such as your tax filing status may be costing you tens of thousands of dollars annually. Learn to widen the gap between your tax liability and your profit. Get access to the tips, tricks and benefits of strategic tax planning that Fortune 500 Companies and the super rich enjoy.

R&D Tax Credits

The Research & Development Tax Credit was originally enacted as a Federal Tax Program in 1981 and was designed to encourage American investment in innovation. In 2004, tax regulation changes significantly expanded the credit opportunity.

Today, the credit is accessible to many small and medium sized companies whose activities include design, manufacturing and process improvements. Who and what qualifies as research and development (R&D) is much broader than most realize. Activities and costs related with developing or improving a product and/or process often qualify for R&D tax credits. Furthermore, engineering, design, testing, and programming are now included as Qualified Research Activities (QRE).

The benefits of having an R&D Tax Credit Study performed would be:

  • Dollar for dollar credit against taxes owed or previously paid
  • Carry forward credit for future profitable years
  • Immediate increase in company cash flow
  • Credit average is over $25,000 per $1,000,000 in total company payroll

An initial consultation is done over the phone with one of our R&D Specialists to identify potential Qualified Research Expenditures (QRE). If qualifications are identified, will collect an authorization to begin working on the client’s behalf. No fee is charged until credits are identified and utilization is verified with the client’s accounting representation.

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Employee Retention Tax Credits

The Employee Retention Tax Credit (ERC) program was created by Congress to help employers affected by the COVID-19 Pandemic. Employers are now allowed to access both the PPP and the ERC.

Work meeting discussing operationsThe ERC us a refundable payroll tax-credit.Up to $5,000 per employee for 202 and up to $28,000 per employee for 2021. If an employer had a significant decline in revenues or had to fully suspend business operations due to government orders, they qualify for ERC.

**Significant decline in revenue is defined as:

  • For 2020 a 50% decline in revenues in any quarter compared to the same quarter in 2019.
  • For 2021 a 20% decline in revenues in any quarter compared to the same quarter in 2019. ERC ends when the quarterly revenue in 2020 exceeds 80% for the same quarter in 2019.
**If the employer does not meet the revenue threshold, they may still qualify if they experienced either a partial or full shut-down of business operations.

2020 Credit Amount:

  • 50% of up to $10,000 qualified wages per year for full-time employees
  • Max credit of %5,000 per employee
  • Wages total cannot include those paid by foreign PPP loan proceeds

2021 Credit Amount:

  • 70% of up to $10,000 qualified wages per quarter for all of 2021 quarters
    Max credit of $28,000 per employee

What we do:

  • Determine and document qualifications for ERC
  • Calculate the ERC, including the forgiven PPP amount if applicable
  • File the relevant documents with the iRS
  • Defend claims if required by audit

Who We Work With

Safe Money Partners wants our clients to succeed. We don’t work with just anyone. We work with those who are hungry and willing to take bold steps to secure their financial future.

Testimonials

The 401k Life Boat

Many people invest part of their salary into their 401k through their employer. This may be the ONLY retirement plan they have. We put together a list of questions you – or your advisor – should be able to easily answer about your 401k and how it’s managed to make sure you’re set up for success.

Download the 401k Questions eBook 

“Just a note to let you know how thankful I am for your help building a better retirement strategy.  All my life I thought retirement planning was as simple as putting money in a tax-deferred investment tool.

LPA helped open my eyes to new possibilities that will help me keep more of my money and protect myself from the wolves.  The personal attention I get from LPA is unprecedented, having worked with several traditional retirement strategists over the course of the past couple decades.”

~Darryl S.

“Praise and thanking our Lord and Savior Jesus Christ! Thank you for all that you do!”

~Mona & Kevin

“Working with [Safe Money Partners], I learned a lot about interest rates and figured out the best plan of attack. Making sure I’m on top of everything. Making sure I keep my debts down low. That way I’m able to put more money towards a college fund [for my kids] and my retirement.”

~Sheri

“I am truly grateful for both of you, Jeff and Bryan, and all your help over the last couple of years! I came to you as a single mom in debt and hated even talking about money. You have no idea how great it feels to not stress over money everyday. I would have never been able to even consider buying a home and paying off debt without your help. It all seemed so overwhelming and I appreciate your patience, faith, and genuine caring. You have had an amazing impact on my life and I will be forever thankful.”

~Roxanne

“Thank you, Jeff, for helping plan my financial future.  After becoming a widow unexpectedly, I didn’t know if I could remain in my house, let alone afford retirement.  You showed me that I could not only have a tax-free retirement income but also leave a sizeable estate for my children.  It is such a relief to not have to worry about money!”

~Susan M.

“I have enjoyed being educated and gaining the knowledge to save for my future retirement. Looking forward to learning more… I can’t thank you enough!”

~Lisa O.

“Having multiple sources of income, along with, multiple retirements, we were almost certain that our financial future was set. What we didn’t understand, was “the old way” of financial planning no longer existed.

In a sense, we were paying the government to use our monies (investment) and not ourselves.

Implementing a new financial strategy, and becoming more tax-aware, has provided us with the knowledge and understanding on how to make our monies work for us, as we create and secure the future that we only dreamt about.”

~Don & Jackie C.

“Before working with [Safe Money Partners], we thought at retirement age, we’d be able to enjoy the financial freedoms where we could live the kind of lifestyle that we only dreamed of. When [Safe Money Partners] asked us questions like “what does our current financial (retirement) future look like” and “Do we have enough retirement to live comfortably, as we currently do”, that’s when we realized we didn’t know.”

~Don and Jackie C.

“You enhanced our retirement planning and we realized how knowledgeable and honest you were. We were also very comfortable with your non-pressure approach to our planning and you answered all questions we had. Now that we know how much we can trust you; you have become our “go to guy” for all our retirement planning.

We consider you a member of our family. You’re a very special and knowledgeable professional!!!”

~Sally

“After meeting with Jeff and understanding the plan he recommended for my and my wife’s retirement, I have never felt more secure in our future.  He offers sound advice and solutions that I’ve not received from other advisors.  I can’t recommend him more.”

~Joseph D.

Helpful Resources

The Debt Snowball Ebook

This debt reduction strategy uses behavior modification to keep you paying off your debt.

Download

3 Disadvantages of Saving with a 403(b) Plan Ebook

Who wouldn't want to save for the future? A 403(b) can make that happen, but is it the right choice?

Download

Debt Free for Life Webinar

This webinar sheds light on the misconceptions most people have about debt and money management.

Watch Now

Taking Control of Cash & Eliminating Debt Workshop

Financial stats, create a value-based budget, save money, and increase your cash flow.

Watch Now

Safe Money Partners

5335 Far Hills Ave., Suite 300
Dayton, OH 45429

937-594-6336

Take the First Step: Join Us for a 15-Minute Connect Call

We think it’s always best to start any relationship at the beginning by getting to know one another. You are going to have questions that need to be answered before we formally meet. We like to make sure we are able to really, really show you value. This is best done with a quick connect call.

Complete the form below to schedule a quick 15-minute connect call and see if we are a good fit for one another. We cannot wait to talk.

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