The Ability To Pay

19. May 2018 12:17 by Zach Haris in

The reality of our legal system is that people are named as defendants in lawsuits not because of their degree of fault but because of their ability to pay. When an attorney is approached by a potential client who is claiming injury or economic loss, the attorney will consider whether a theory of liability can be developed against a party who can pay a judgment. This is called the search for the “Deep Pocket Defendant.”

The Deep Pocket Defendant will have substantial insurance coverage or significant personal assets. The measure of an attorney’s skill is his ability to create a theory of liability which will connect a Deep Pocket Defendant to the facts of a particular case.

Here is an example of what might happen in a particular case. Mr. Wilson is driving in his car. Mr. Fineman runs through a stop sign at an intersection, smashing into Wilson’s car and causing Wilson severe injury.

From his hospital bed, Wilson Googles “local attorneys” and calls the first attorney he sees, Alan Abel. He is what is known as a “contingent fee” lawyer. He works for a percentage of the ultimate recovery and determines whether to invest his time and money in a case based upon what his expected return will be. Since the time and expense of preparing for litigation can be considerable, an attorney cannot afford to take a case that is not likely to pay off. Remember—no recovery, no fee. Usually the attorney advances all costs and expenses, and in exchange, he recovers these costs plus 30 percent to 40 percent of any amounts that he can get from the defendant.

Before Abel decides to take Wilson’s case, he will want to do some serious research to determine the merits of the case. Not the legal merits—the financial ones. He will want to know whether Fineman has substantial assets in order to make the case worthwhile.

Abel runs a financial search and determines that Fineman has no insurance and no significant assets such as a home or a retirement nest egg. What happens? Is that the end of the case? As for Fineman, it probably is the end of the case. Abel is not going to waste his time suing someone who can’t pay. But Abel is not going to give up so easily. He has a client with substantial injuries and that means a large damage award—big bucks. But first he has to find someone who can pay.

Here is how a successful lawyer would analyze the case to try to draw in a Deep Pocket Defendant:

    1.  Was Fineman on an errand for his employer at the time of the crash? If so, the employer can be sued.

2.  Did Fineman have any alcohol in his system? The restaurant that served him may have liability.

3.  Was Fineman on any medication? The pharmacist, drug company, or physician may have potential liability for failure to provide proper warnings, or for writing or filling the prescription improperly.

4.  The stop sign Fineman ran through was in a residential neighborhood in front of someone’s house. Did the homeowner properly maintain his property and clear his foliage to provide an unobstructed view of the stop sign? If not, there is a case against the homeowner for negligence.

5.  Did the municipality take due care in the placement of the stop sign? Should it have used a traffic light instead? There may be a case against the city or county.

6.  The driver’s side door of Wilson’s car collapsed on impact. There is a possible case against the manufacturer for not making a more crash resistant frame.

Do you see how far we are moving away from Fineman—the person responsible for the accident—in an effort to tie in a remote Deep Pocket Defendant? In any rational legal system, Fineman would be regarded as the wrongdoer—he disobeyed the traffic law and he caused the injury. Instead, we have an attorney trying to force the blame onto someone else—who wasn’t at the scene and doesn’t even know the people involved.

The example that we just gave you is taken from a real case. Guess who ended up as the defendant.

In the actual case, the defendant was Fineman’s ninety-two-year-old widowed great-aunt Ellen. As it turned out, she had purchased the car for Fineman as a gift to him. Abel’s private investigator searched the assets of Fineman’s relatives and found that Aunt Ellen had a house that she owned and some savings in the bank. She was named as the defendant in the case and was found liable on a theory called Negligent Entrustment. The jury found that she should not have bought the car for him. She should have known that he was a careless driver and might cause an accident. She caused the accident by buying him the car. The verdict was for $932,000, and Aunt Ellen lost nearly everything she owned.

The point of all this is that the foundation of every lawsuit is a defendant who can pay. Once such a defendant is located, it is easy enough to construct a theory of why that defendant should be responsible. Judges and juries often act on their emotions—not on the law. And when the contest is between an injured or a sympathetic plaintiff and a wealthy or comparatively wealthy defendant, the plaintiff will win virtually every time, regardless of the defendant’s actual degree of fault.

As a result, the plaintiff’s attorney will search for a party who can pay a hefty judgment. In the old days, it was said that “He who has the gold makes the rules.” Now the saying goes: “He who has the gold pays the plaintiff.” The fact is that no matter how remote your connection to an injury, if you have even modest assets, an attorney for the injured party will attempt to show that you are somehow legally at fault and you will be named as a defendant in the case.

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How Trump’s New Tax Plan Might Affect Your IRS Debt

31. March 2018 13:21 by Zach Haris in

It’s really too soon to tell how any changes within the Trump administration will affect taxes, but one thing is certain, if you are currently in debt with the Internal Revenue Service (IRS), it is fully expected for you to pay what you owe. That’s not going to change no matter if the taxes are raised or lowered.

Stay Focused! Do Your Due Diligence.

It’s important to not let your emotions get in the way of your financial obligations to the IRS. No matter who is in office, as United States citizens, it our responsibility to uphold our part and pay the taxes we owe. If for some reason you believe that the amount that you owe is incorrect, you have a right to contest these numbers. You can do this by mail or telephone, although we recommend that you do both—in that order. This way, you’ll have written documentation that proves you’re actively communicating with the IRS, and speaking to a representative by phone will show that you’re following up accordingly.

Need Help with That?

We realize personally speaking to the IRS can be intimidating. That’s why the professionals at Success Tax Relief, a tax relief firm is staffed with a team of tax experts to communicate with the IRS on your behalf.

Back to the Whole Tax Thing!

We realize that you still may be a bit concerned about how Trump’s new tax plan might affect your taxes in the years to come.

The plan has been described as “Reagan on steroids”, a plan that follows the concept of the ‘rich getting richer and the poor getting poorer’—all in theory, of course!

According to White House Reporter, Matthew Nussbaum ,who tweeted a photo of the one-page 2017 Tax Reform for Economic Growth and American Jobs, are as follows:

  • The standard deduction will double, but many tax breaks will no longer be available to individual filers except for home ownership and charitable contribution—this will reduce a number of deductions that you’ll be able to claim.
  • Tax relief will be provided for families with dependent care expenses.
  • “Eliminate targeted tax breaks that mainly benefit the wealthiest taxpayers”
  • Repeal:
    • Alternative Minimum Tax
    • Death tax
    • Obamacare
  • For businesses, the overall objective is to level the playing field of the territorial tax system for American companies.

In a Nutshell…

The plan reportedly is not projected to decrease the country’s deficit until after 10 years from now, and it will need a straight party vote. So, as of right now, there’s nothing to be actively concerned about, because it’s too soon to tell. It also doesn’t have much to do with you pay the IRS what you owe.

What Can You Do?

The best thing to do during this continuous transition is to continue taking care of your financial obligations. Maxfinancials.com/taxationandadvisory can help you along with this process. We work on your behalf—not for our benefit.

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Hummer Manufacturer’s Warranty Term Is Increased

12. March 2018 11:48 by Zach Haris in

To keep up with the luxury SUV market Hummer has extended their manufacturer’s warranty
Great news for Hummer owner’s looking for extended warranty protection. Now that all 2006 Hummers will be coming with a standard 4 year/50,000 mile warranty plan Auto Advantage Inc., an industry leader in Hummer warranties has reduced the pricing to warranty them for an extended term. This price reduction affects the Hummer H1, H2, and H3 models. The 2006 H1 Alpha which is already available for sale is the first model to come with the new, longer manufacturer’s warranty coverage.

Though Hummer owners all rave about their own experiences, they will also tell you that these vehicles are one of the most expensive vehicles on the road to maintain and have repaired. That is why Hummer extended warranty sales have soared over the past few years. Now with the new reduced pricing, warranty sales are expected to increase over the next year or so by about 40-50%.

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How will an IoT enabled world look like?

28. December 2017 14:19 by Zach Haris in

IoT has emerged to reflect growing number of smart, connected devices. Yet this phrase is an oversimplification of the phenomenon and its massive implications.

 

A radio, kettle and oven are set to switch on at 6 am for a user who starts the day early. A smart watch enables the user to read and send texts and emails, and make calls on the way to work. A fitness wristband vibrates when it is time for the user to get up and take a walk in between work. A smart refrigerator tells the user what is out-of-stock and needs to be purchased on the way back from work. There is even a smart slow-cooker that lets the user adjust settings and check meal times on the go. That is how smart and connected devices would take over the reins of our day-to-day lives.

After surpassing the human population on the planet in 2011, the connected devices are expected to exceed 50 billion by 2020. These devices, which in the past were thought to comprise PCs, laptops, mobile phones and tablets, now include a range of new smart devices including fitness trackers, smart watches, smart glasses and connected cars.

The phrase “internet of things” or IoT has emerged to reflect growing number of smart, connected devices. Yet this phrase is an oversimplification of the phenomenon and its massive implications. What makes IoT more advanced and lucrative is not just the transmission of information over the internet, but the changing “nature of the things”. It is the expanded functionalities of smart connected devices such as location awareness, connectivity and data generation that are creating enhanced value for consumers.

As IoT gains traction among consumers, enterprises can “consumerize” IoT use cases and create additional value by integrating consumer IoT applications with their solutions and systems.

Consumer adoption of IoT is on the rise

Consumers are warming up to IoT, as is evident from the increased uptake of consumer IoT applications categories such as wearables, smart monitoring systems, telematics and in-home smart appliances.

Wearables come of age

Wearables are designed to be worn by the users and provide real-time information, data input capabilities and wireless connectivity. According to industry estimates, global total wearable shipments are expected to grow at a CAGR of 42.6% to reach 155.7 million units in 2019.  Wrist-worn wearables (bands/bracelets and watches) and modular wearables (worn on any part of the body) account for an overwhelming majority of total wearable shipments. Among these categories, consumers are seeing more value in health, wellness and fitness monitoring. Connected fitness trackers, which measure movement such as steps taken, are already commonplace among fitness enthusiasts.

Smart monitoring systems pave way for improved health care

Connected health monitoring systems which track vital parameters such as blood pressure, heart rates can be used to continuously monitor chronic diseases such as diabetes and heart-related diseases, thereby reducing the need for patients to visit doctors frequently for check-ups and tests. A person with diabetes, for example, can use a connected blood glucose monitor to capture readings regularly and manage intake of sugar and insulin. The global mobile healthcare market (comprising connected medical devices, health care applications and related mobile technology) is poised to grow at a 5-year CAGR of 26.7% to reach US$20.7 billion by 2018.

Telematics enables a safer, secure and enjoyable ride

For consumers, in-car connectivity enables value-add services, such as navigation, vehicle diagnostics, automated emergency calls and real-time information about local traffic and nearby amenities. Telematics makes insurance tangible to the customer by increasing the potential for better risk management and more consumer touch points. The global telematics market is poised to grow exponentially in the future, with approximately 104 million new cars expected to have some form of connectivity by 2025.

Smart homes facilitate security, energy management and chore automation

The impact of the IoT is already evident in consumers’ homes. Connected home security systems, smart meters and smart home appliances are enriching the lives of consumers. In 2014, security devices and connected lighting together accounted for 50% of total smart home device shipments.

Connected security systems monitor opening of doors and windows and movement within the property through sensors. With smart meters and connected thermostats, consumers can optimize their energy use. Home automation systems enable elements of the home to be remotely controlled. Using their smartphone, consumers could configure connected appliances to perform certain tasks at certain times, for example, washing machine to finish the job when the user is away from home.

Linking consumer IoT use cases with enterprise systems offers a strong value proposition

Healthcare providers can link data gathered from patient’s health care monitor with their information systems to enable improved decision making on the patient’s treatment. Similarly, utility companies can link smart meters to their internal systems, thus removing the need to send out meter readers, while also giving the utility greater insight into the household’s consumption patterns. There is opportunity for insurance providers to leverage IoT data from sensors used by consumers in their homes or cars to provide usage-based personalized insurance plans. The automotive industry’s moves to develop self-driving cars are deeply linked with the evolution and demand of in-car connectivity.

Deliver the best to both the worlds

For consumers, the IoT has the potential to deliver solutions that improve efficiency, security, health care and positively impact significant aspects of daily life. For enterprises, IoT can establish solutions that improve decision-making and productivity in energy, manufacturing, retail, agriculture and other sectors. Currently, the market is operating in silos with discrete solutions for consumers and enterprises. New IoT use cases will be characterised by sophisticated solutions that will combine data from connected consumer devices with enterprises’ systems in order to improve processes, products and services. This will impact consumer lifestyles and provide enormous potential for enterprises to develop innovative services.

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Business 2017 - The Need for Speed

21. December 2017 21:02 by Zach Haris in

We are racing rapidly towards 2017 (where did this year go?), and never have I seen such a compelling argument for business leaders to adopt the "need for speed" as part of their culture.

The phrase that haunted me from my course at UC Berkeley HAAS school of business is "If you don't someone else will", suggests that if you don't move rapidly in your business to implement strategies and actions, others will. Those "others" may be existing competitors, or as we are seeing more and more, fresh new entrants. Think Uber to taxis and Airbnb to hotels.

A good example is Tesla which started producing cars in 2008 and really shifted gear into mass production with the Model S in 2012. In one of the toughest industries to enter, Tesla within the space of 8 years has become a household name.

A year to adopt the idea, a year to produce business cases and amend budgets and then a year or two at best to implement. During this four to five year process nimble, agile entrepreneurs can race ahead. of slow moving corporates.

I also find that while it is important to have considered thinking, many organisations are procrastinating. "Democratic" management hierarchies are stifling debate. dumbing down decisions and slowing down decisions.

I have seen organisations undertake management buy outs in the space of six months while others take three years.If a major company can do an MBO in six months, then surely a new website can be created in two months or selling our existing products into a new market should take no more than three months. Leaders are setting themselves up for failure by accepting a culture of stretched timelines.

Why speed?

Speed will give you the competitive edge, and if you don't move quickly in your business, guaranteed others will seize the opportunity. It is not a matter of big corporate's beating small businesses anymore. It is about fast businesses versus slow businesses.

7 Ways to develop speed.

1. Think as an entrepreneur. If you were setting up tomorrow to compete with your own business, what would you do differently? What would be the priorities you would focus on? You need to document the urgent big ticket items.

2. Work out why decisions or major projects are taking too long in your business. Work out the blockages. Every business is different and has its own unique culture. I would use the "Five Whys" tool, to identify "Why are decisions taking too long?"

3. Do an agility audit. McKinsey have a very useful guide to what is agility and the importance of agility.  

4. Set a deadline and work backwards. Don't write a  plan where the end date is a result of all the actions. This will lead to the actions driving the timing. Urgency must create the timing.

5. Have a good change process that you follow every time. I use the Mindshop 8 week cycle, so every 8 weeks we can drive the thinking and have a plan around any major issue. The teams produce a GANNT chart and also examine their likelihood of change success using the Mindshop "Change Success Audit". 

6. Accountability. It is important that any major change has someone who is independent of the project monitoring the speed of implementation. At Dropbox, they have the Objectives and Key Results ("OKR") police. The police have the right to question anyone in the company right up to CEO level on how they are progressing on a project, and if they are behind, why they are behind and what are their plans to get back on track.

7. Resource properly. Too many people get distracted by their day jobs and use this as an excuse as to why longer term projects have not been tackled. Either take tasks off existing people to free them up, or employ additional resource to help out.

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Five things that stop businesses from growing

4. December 2017 17:10 by Zach Haris in

Running a business can be challenging - but that shouldn't stop you trying to grow your business and reaping the rewards. Here we look at five of the most common things that stop a business from growing and what you can do about it:

 

1. Letting quotation opportunities go to waste

Every time you are asked for a quote, it's an opportunity to grow your business. And the biggest complaint that homeowners have about trade companies, for example, is that they can't get quotes out of them.

Sure, if you are busy, not getting around to the quote means an easier life, but you will never grow that way. If you have too much work, don't stop quoting. Instead, raise prices slightly, be more choosey about who you work for or increase your capacity by subcontracting work or employing another person. Quotation opportunities have huge value, so make the most of them.

 

2. Failing to fix mistakes quickly

Research has shown that customers who have had problems resolved quickly will be more loyal than if nothing went wrong in the first place. So, when you make a mistake (as we all do from time to time), fix it quickly and professionally. It's the chance to gain a loyal customer for life. The alternative is a world of pain and wasted time, plus upset customers bad mouthing you online and behind your back.

3. Not reminding people when they next need work doing

There are lots of times when your customers should be coming back to book you again. We had a tree surgeon visit us to give us a quote for some work. They pointed out that the poplar trees need pruning every year. If they remind us next year at the right time, they will be more likely to get the work.

4. Working for customers that are always looking for the lowest price

When customers are very price-sensitive, they can also be among the most unreasonable as well. And a low price means more risk and hard work for a smaller reward. If you sniff this out, it is best to politely decline the work. This is the one time it may make sense to pass work by.

5. Never moving from being a sole trader to employing people

It's hard to take on your first employee and there are all sorts of complications. You have to worry about PAYE, pensions and employment law. It's difficult. But if you never take the leap, you will never really grow your business.

The key is to think carefully about that first step in getting your first employee. Yes, there's the admin but you can get your accountant or bookkeeper to help with that.

The hardest thing is that in one jump, there are two mouths to feed so your sales suddenly need to double. Here are three ideas that might help:

  • Sub-contract until your sales grow to a level where two people's wages can be supported. Although you might have to accept less profit in the short term, it could get you over that hump;
  • Take on an apprentice. They can be cheap at first but you can watch your sales rise as they become more productive (although they will become more expensive);
  • Wait until you get a big job when you know you will have plenty of work (and money) for an extra pair of hands.
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OESA President Cites Warranty Collaboration as Industry Imperative

13. November 2017 13:48 by Zach Haris in

 

Neil De Koker, president of the Original Equipment Suppliers Association, OESA, recently called for automotive industry executives to work together to focus on reducing industry warranty costs. In a brief address to attendees of the Management Briefing Seminars, De Koker said that OESA has created a Warranty Management Council, responsible for developing recommendations to reduce warranty costs.

According to Warranty Week, the industry spent $11.5 billion on warranty claims in 2004. OESA proposes that it is the responsibility of both suppliers and car companies to seriously look at warranty and other non-value added costs.

"We heard from speakers today who tell us that the next two years will require significant and extreme action to maintain profitability," De Koker stated. "It is imperative that members of the industry collaborate to reduce warranty costs to keep companies competitive.

"OESA proposes that suppliers work with the car companies and each other, to provide insight into best practices that can reduce warranty costs," De Koker added. "The objective of this OESA group is to share best practices that reduce warranty costs for the benefit of the entire industry."

OESA anticipates releasing a publication that outlines a process the automotive value chain should consider to systematically reduce warranty potential during product development. Through this activity, suppliers exchange experiences working with various OEM warranty systems and collectively increase individual company knowledge.

Formed in August 1998, OESA provides a forum for automotive suppliers by addressing issues of common concern through peer group council; serving as a reliable source of information and analysis; and providing an industry voice, when appropriate, on issues of interest. With nearly 400 members having global automotive sales exceeding $300 billion, OESA represents more than 60 percent of North American automotive supplier sales.

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LLC Basics For Consumers: Asset Protection

18. October 2017 17:45 by Zach Haris in

 

Business owners and Doctors are increasingly bombarded with a variety of asset protection information from different sources of varying skill and experience. One common tool that attorneys and non-attorney promoters alike often focus on is the limited liability company or “LLC.”

Unfortunately, because LLCs are relatively simple to create and maintain, they are routinely misused and over-sold, with promises that simply can’t be legally kept. As such, part of our ongoing discussion of asset protection must include the basics every consumer needs to understand before using an LLC for any purpose.
As always, this information is in general terms and is not fact specific to your situation, it also assumes that we are acting proactively against exposures that may occur in the future, that you have a legal right to manage and segregate. Finally, no asset protection strategy is license to commit harm and requires that you have taken steps to reasonably avoid any harm by implementing compliance, safety, and best practices policies in all areas, and that you have adequately insured against reasonably anticipatable risks. Asset protection is always a system and never a single-shot solution, even with an objectively “good” and well-proven tool like an LLC.
The Small Business Administration (SBA) of the U.S. government provides some excellent, consumer-friendly information on a variety of business and legal topics that I borrow from heavily below as an essential introduction.

1. What is an LLC?

An LLC is a hybrid type of formal legal structure that provides the limited liability features of a corporation and the tax efficiencies and operational flexibility of a partnership. It can provide what I call two-way protection; it can protect the assets from the unrelated liability of the individual owner, and the owner from the internal liability the asset itself may create, like the liability associated with owning a rental home.

2. Who can own an LLC?

 

The LLC is highly flexible in this area. The “owners” of an LLC are referred to as “members.” Depending on the state, the members can consist of a single individual (one owner), two or more individuals, corporations, partnerships, or other LLCs.

3. How is an LLC created?

It’s more than just filling out a form and requires guidance on a variety of issues including where it is created, what it’s used for, and how it is run. First, “Articles of Organization” are filed at the appropriate local agency in accordance with laws of the state in which it is created. The articles of organization is a simple document that legitimizes your LLC and includes information like your business name, address for legal service of process and or place of business, and, in some states, the names of its members (more on this in our next discussion).Then, an “operating agreement” is created. Having an operating agreement is highly recommended for LLCs because it provides rules for the LLC’s finances, organization, and smooth operation. The operating agreement usually includes percentage of interests, allocation of profits and losses, member’s rights and responsibilities, and other provisions that will be vital if the LLC comes under external attack in the future or in the event of conflict between partners.

4. How are LLCs taxed?

Unlike shareholders in a corporation, LLCs are not taxed as a separate business entity. Instead, all profits and losses are “passed through” the business to each individual member of the LLC. LLC members report profits and losses on their personal federal tax returns, just like the owners of a partnership would. While the federal government does not tax income on an LLC, some states do. All LLCs must elect to file as a corporation, partnership, or sole proprietorship tax return and may be treated as S-corporations as well.

5. What Are the Advantages of an LLC?

They “limit liability. Members are protected from personal liability for business decisions or actions of the LLC. This means that if the LLC incurs debt or is sued, members’ personal assets are usually exempt. This is similar to the liability protections afforded to shareholders of a corporation. Keep in mind that limited liability means “limited” liability, not “no” liability. LLC members are not necessarily shielded from wrongful acts, including those of their employees.
They have simplified recordkeeping and profit sharing rules. Compared to an S-Corporation, there is less registration paperwork and there are smaller start-up costs. There are also fewer restrictions on profit sharing within an LLC, as members can create operating agreements that allow them to distribute profits as they see fit, equally or unequally, for instance, when members contribute different proportions of capital and sweat equity. 

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Back Taxes Penalties and Interest Rates in 2017

21. September 2017 18:32 by Zach Haris in

When it comes to interest rates, they can fluctuate by the quarter. While the Internal Revenue Service (IRS) typically issues a press quarterly press stating any information regarding the interest rates, it’s still the taxpayer’s responsibility to keep themselves updated—especially if you owe any back taxes, because overpayments will be penalized as well.

As of April 1, 2017, the IRS reported that the interest rates for the second quarter is as follows:

  • 4% for overpayments
  • 3% overpayment fee for corporations
  • 5% overpayment fee that exceeds $10,000 for corporations
  • 4% for underpayments
  • 6 % for underpayment for large corporations

As the second quarter is winding down to an end, the professionals at the Max Financials Taxation and Advisory want you to be aware of the current interest penalties before the new quarter begins.

Keeping Up With the Quarterly Interest Rate Fees

The IRS does not have their interest rate fees posted for the third quarter at this time. The moment they do, you can look to Max Financials Taxation and Advisory to swiftly provide you with the information you’re looking for.

Percentage Points

Another thing to keep in mind when it comes to penalties and back taxes is that while the interest rate may change every quarter, the fees of the over and underpayment rate are also added on with three percentage points. This excludes corporations. With corporations, the under and overpayment rate is a little different. The overpayment rate is 2 percentage points while the underpayment rate is 5 percentage points—in addition to the federal short-term rate.

Finding the Help You Need to Keep Up With It All

Keeping up with quarterly interest rates can easily be forgotten whether you’re operating a business or just managing your personal taxes. Max Financials Taxation and Advisory have over three decades of experience helping people resolve their tax debt and even eliminating it altogether. We have a competent and talented team of tax lawyers, accountants, CPA, and tax preparers on hand to handle your case and keep your payments up-to-date, preventing any under or overpayments that will lead to an inflated balance.

Max Financials Taxation and Advisory. Your Help

Our team also provides consultation services that will help keep you out of debt. Our new service, Max Financials Taxation and Advisory is designed to help taxpayers repair their credit report. For those who are looking to start their own business, but can’t due to a low credit score, the team at Max Financials Taxation and Advisory will help you improve your credit score with Max Financials Taxation and Advisory, and we’ll also help you open up a line of business credit by helping you apply for an EIN number that works as a social security number for business owners. With an EIN number, you’ll be able to apply for lines of credit.

Through Max Financials Taxation and Advisory, we are fully up to date on all of the quarterly tax penalties and can ensure that your payments are correct.

 

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