Hi Reader,
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I clicked to review this tax return and winced.

This new client started with us in February 2025. So while we can prepare and file her 2024 tax returns on time, we’re very limited in the strategies we can use to reduce her taxes. The year is already over.

Which is why my face was now scrunched and unhappy. 😬

This client’s tax bracket was 24%.

In the US, you pay different tax amounts at different levels of income.

If you’re a single filer in 2024:

• You pay 10% tax on your first $0 - $11,600 in income
• You pay 12% tax on $11,601 - $47,150.
• Then 22% tax on $47,151 - $100,525.
• Then 24% tax on $100,536 - $191,950.

That makes 24% your “tax bracket” if your income falls within that range.

While that might be your tax bracket, your EFFECTIVE TAX RATE, or the average percentage you actually pay in taxes, is typically lower than your tax bracket, because you pay 10%, 12%, etc. in taxes first, bringing down your average.

So what was this new client’s effective tax rate? Why was I wincing?

Her tax bracket was 24%, but her effective tax rate was 38.2%!

That’s CRAZY high.

The highest tax bracket in the US is only 37%, so this client paid more in taxes by percentage than someone making over $609,351 a year.

Because this client is self-employed, in addition to paying income tax, she must pay self-employment taxes.

She’s also responsible for her own:

• Healthcare
• Retirement savings
• Childcare
• Housing
• And more…

This client had not set these things up in a tax advantaged way. So she was paying way more than her fair share of taxes.

Let’s compare this to another client who has been implementing my suggested tax strategies for 3 years now. This client has the same marriage status, same number of kids, also works from home, and is self-employed like my new client paying 38.2% in taxes.

But this current client’s effective tax rate? Yeah, it’s just 14%.

There are some incredible tax breaks for small business owners - tax advantages meant to balance out the high self-employment tax you must pay when you own your own business.

But unless you know how to set up your business the right way, you will miss out on these tax breaks - tax breaks you are legally entitled to - and pay way more than your fair share in taxes.

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⚡ Don’t Let 2025 Be Another Year of Overpaying Taxes! ⚡

The difference between paying 38.2% in taxes and just 14% isn’t luck—it’s strategy. And the sooner you start, the more you save.

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That’s why I’m hosting MOMentum, a FREE 2-day virtual event happening May 7-8, where I’ll walk you through:

✅ The exact tax strategies that will lower my new client’s tax rate by 24% in 2025 — and how they can work for you, too.

✅ The 10-Step Tax Strategy that simplifies everything so you avoid overwhelm and uncertainty.

✅ Simple, monthly money moves that protect your income and build long-term wealth for your family.

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💡 The best part? MOMentum is totally FREE! No catch, no fluff—just real strategies that help you keep more of what you earn.

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📅 Mark your calendar: May 7-8, 12-3 PM ET.

If you’re self-employed, you’re leaving money on the table every single year you don’t implement these strategies.

But 2025 can be different.

🎟 Save your for MOMentum spot now!​

Your future self will thank you.
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To your success,

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