Stop overpaying on your renewals.
S-Corp where the math works. Commission and trail-income recognized correctly. Carrier 1099-MISCs reconciled to your CRM. Built for captive and independent agents.
Renewal commissions paid for 10 years on a book of business worth six figures of recurring income — at SE tax on every dollar, year after year, when an S-Corp election would have stopped it. Mileage, home office, and CE expenses left on the table by agents who file with chain prep firms.
How we fix it.
Carrier 1099 reconciliation
Every carrier 1099-MISC tied to your CRM (Salesforce, Applied Epic, AgencyZoom). Front commissions, renewals, overrides separated.
Entity check
S-Corp breakeven on your actual production. Late-election relief where eligible.
Deduction sweep
Vehicle, home office, CE, E&O premiums, software, marketing, client gifts. Coded correctly, documented.
Quarterly planning
Renewals are predictable. We size the estimateds to your book and adjust as new policies come on.
Why us for insurance agents.
Enrolled Agent, enrolled to represent taxpayers before the IRS in all 50 states, alongside CPAs and attorneys.
Finance training: the math behind every recommendation we make.
S-Corp election — almost always once you have a book.
Insurance agents with established books of business and predictable renewal income are the textbook S-Corp case. Every renewal dollar you take as W-2 is SE tax wasted; every dollar as distribution is saved. We file the election.
Multi-carrier 1099 reconciliation.
Most agents work with five or six carriers, each issuing its own 1099-MISC. The totals never match the dashboards. We tie them out before filing — and find the 1099s the carriers got wrong.
Trail vs. front commissions — recognized correctly.
Front commissions are earned at sale. Trail commissions are earned over time. The recognition timing matters for cash-vs-accrual elections and for proper Schedule C reporting.
Pricing, on the page.
Published prices · Quoted in writing before any work startsHow it works: one annual fee, half paid at engagement and half before your return is filed. Everything past the package baseline is a published add-on at a fixed price, so nobody counts forms. Books, payroll and sales tax are the only monthly items, because they are the only monthly work. See the full grid and every add-on or start your intake.
One practitioner. Every file, personally led.
Cody is an Enrolled Agent with an MBA, a solo practitioner with a small support team, working out of Lakeland, Florida.
Every client engagement is led by Cody personally. The firm stays deliberately small so the work stays deliberately careful. The person who filed your return is the person who handles the IRS.
Common questions.
If yours isn't here, ask it on the intake — we read every one before the first call.
When should I S-Corp elect?
Almost always. Once renewal income is stable and net profit is $60K+, the SE-tax savings on distributions are decisive.
Can I deduct E&O?
Yes. Errors and omissions premiums are deductible business expenses.
CE deductible?
Yes — continuing education to maintain your license is deductible. New-state licensing or initial pre-license schooling generally isn't.
My carrier 1099 doesn't match what I see in my CRM.
Common. Often there's a timing difference or a chargeback the carrier reflected and you didn't. We reconcile carrier-by-carrier before filing.
Captive vs. independent — different treatment?
Captive agents are usually W-2 employees with limited deduction options. Independent agents are 1099 contractors with full Schedule C / S-Corp planning lanes. We handle both.
What about agency ownership?
Buying an agency is a different conversation — purchase price allocation, goodwill amortization, financing structure. We handle that too.
Related
Your renewals build. So should your savings.
Send last year's return and your most recent carrier statement. We'll model the S-Corp gap on the call.
Tell us about your business.
A few questions, then pick a time for a free 15-minute call with Cody. Nothing starts until you sign an engagement letter.
Prefer to talk? Call (863) 370-8115 or Book a 15-minute call.
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