I’m a Certified Tax Coach, Enrolled Agent, Investment Adviser Representative, and Life & Health Insurance Agent. I currently provide Tax Planning, Business Finance Consulting, and Personal Financial Advisor services. I’d like to share a bit of my career history with you for perspective on my professional position in support of helping clients do better for themselves financially.
I started managing my personal investment portfolio of stocks in 2011, which led me into investing in options contracts full time in 2013. I worked nights selling Kaiser Permanente Medicare health insurance from 2013-2014 while I managed my portfolio during market hours. I produced very good investment returns relative to the market during that time. I then learned about financial planning as well as disability, life, and long-term care insurance when I began working as a financial advisor in August 2014 with Prudential Financial in order to help clients accumulate, manage, and protect their investments for retirement.
Tax Planner & Financial Consultant, EA, CTC
I monitor my clients’ investments from a global macroeconomic perspective and dive deep into industry microeconomics while monitoring the economic calendar and reports, as well as monetary and fiscal policy. I now manage Exchange Traded Fund (ETF) portfolios, which are a regulated publicly traded type of investment security, like Mutual Funds, but differ in that they are typically more liquid to buy and sell with lower expense ratios. I have also guided some clients to acquire quality alternative investments including real estate within retirement accounts.
While Prudential taught me the inside and out of structuring insurance products, I realized every piece of financial advise I was providing had a tax implication, and as a financial advisor I had to disclose that I wasn’t providing tax advice, even though the fact of the matter was that every piece of financial advice a financial advisor provides has a tax implication. So I took the initiative while I was working at Prudential Financial and became the only financial advisor in the office to review their client’s tax returns and immediately helped clients realize more savings and investment opportunity.
A couple of years with Prudential led me into a year with Voya Financial. Then I allowed my Series 6 & 7 commission based licenses to lapse and I began operating my own independent Registered Investment Advisory firm in January 2017 as a Series 65 licensed fee based fiduciary. I completed my Enrolled Agent tax designation that same year.
I had prepared both business and individual income tax returns for clients through both the 2018 and 2019 tax season, and I prepared plenty of amended tax returns going back to 2014 in some cases to fix compliance problems, reclaim missed tax credits and tax deductions. I amended a set of tax returns from 2015 and 2016 for a client for a $120k tax refund. I amended a set of tax returns from 2016 and 2017 for a client to claim a $105k tax refund. I prepared returns for corporations and partnerships that have raised millions of investment capital. I prepared returns for several business mergers and acquisitions. I prepared a 2018 return for a high net worth investor with 812 brokerage transactions. I prepared a 2018 return for a real estate partnership with 32 unique investors, which I was consulted with to help structure for the manager to reap the benefits of the carried interest tax loophole, etc. I’ve accumulated a lot of specialized financial planning knowledge beyond that of the average financial advisor because of my tax expertise.
I recently pivoted away from the Certified Financial Planner designation with the intent to circle back on it later; I completed the Certified Tax Coach tax planning designation in May 2019. Completing the CTC designation first made sense as it made me a lot more valuable to more people immediately relative to the CFP designation by gaining a framework through which I can provide tax planning services to help clients save more money on taxes so they can afford to invest more and protect it. Once my tax planning services are flowing seamlessly, I’m intending to finish out my CFP designation. Thus far, I’ve completed the Estate, Tax, and Retirement Planning CFP exams. While I spend about 20% of my time maintaining and advancing my professional credentials, I spend most of the rest of my time helping clients.
My best fit client starts with tax planning services, then transitions into financial planning and wealth management. Some also engage in tax preparation and bookkeeping services with my tax firm. Most are affluent business owners, with some high net worth executives and retirees. My skill set is best suited to work with business owners who have a need for succession and exit planning, although I will make exceptions if it may still be a good fit.
Thank you for reading my story and understanding my position. I hope to help empower you to do better for yourself financially. Please let me know how I may be of service.
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Talk again soon,
John Boyle, Tax Planner & Financial Consultant, EA, CTC
What our Clients are saying
Very knowledgeable and professional!! Helped me get refunds on previous year taxes!!Highly recommend John!!!
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