hello everybody and welcome back to Seasons eban flow thank you for coming on to this channel my name is Lee Wright I am a divorce coach and today I’m going to be interviewing Thomas na he is a friend here in Orlando he’s also my CPA and he’s a broker who I’ve hung my license under periodically when I have been using my real estate license so I know him quite well and I trust him and he is very knowledgeable so I’m excited that he agreed to do this interview today so uh I’m going to turn it over to him to tell us a little bit about his background and then we’ll get into the information at hand okay thanks Lee good to talk with you I um 

I’m originally from Pennsylvania actually and that’s where my undergraduate degrees are in accounting and economics um and um my graduate degree is my MBA is from the University of Richmond but I’ve been in Florida since 1993 and I opened up my tax practice um and um it’s done well well I’ve had clients since 1993 that are still with me uh and um I have a lot of experience of course in doing taxes corporate business taxes forming business as well as um doing um accounting work um but let’s talk about accounting you um are a divorced counselor of course and um I think that um that’s the first thing of course anyone thinking of divorce uh does and should be doing is counseling and by the way I thank you for um the someone I had referred to you um they are um staying together and trying to make it work and uh they send their thanks and their blessing to you nice oh well that’s wonderful yes as much as I help people through divorce if there it is possible to keep a marriage together and be happy I definitely advocate for that and try and help people work through that as well so um but uh coming back to it’s true divorce a lot of times you have to remind people it’s the business of divorce it is a negotiation that aside from the emotional personal custody side there is a very black and white business side and people need to stay very practical sometimes uh when they’re thinking about the the financial aspect um so getting right in uh what happens if uh one spouse owes money to the IRS and they’re going through divorce okay um yeah that’s um called an innocent spouse or an injured spouse they’re two separate things as far as the IRS is concerned if you leave a marriage and there’s balance pass due balance to the IRS uh they can come at both parties yeah and they can grab your assets or your income it may seem unfair but they’ll take all of it not just half so if you’re in one of two situations let’s just say you’re an injured spouse which means that when you married this person they already had a tax debt that they owed and were paying on so you had nothing to do with that debt that’s what an injured spouse is okay and nothing’s guaranteed but you can you know with a good tax um accountant you can fill out the um request to be considered an injured spouse and try to detach yourself from any collection efforts or any debt associated with your spouse from prior to your marriage however there’s a case called innocent spouse where during your marriage your spouse is doing something you’re not aware of and I’ve had this happen at least twice um suddenly you find out um that you owe all this money to the IRS you had nothing no knowledge of what was going on and that happens when the IRS finds out that the uh maybe the spouse was doing something collecting money on a 1099 or something and says you didn’t have it in your tax return so you had no way of knowing about it and they incurred it and they kept the money you didn’t share and that money if you can show that you can apply for what’s called an innocent spouse status as well okay so that’s essentially telling the IRS that I’m married to this person we’re splitting up I had no idea that they were not presenting all of their information to you correctly and I don’t want to be liable for that debt correct okay okay and um then what happens uh if uh they have a business together and they’re splitting up and that now means I guess they have to agree to hold the business together post divorce one person buys the other one out they like what are some of the options and what that looks like well it’s possible I’ve seen some couples stay together and work the business they make their income from the same company the same LLC or partnership and they do try to work together in which case if there’s a payroll they have to split it separately and if there’s a uh 1099s that go out depending upon which spouse is taking out a certain amount of money um and then um you have to file uh based on um the uh forms that get filed the 1099s or W2s from that business you can still operate that way um you do have to be careful sometimes you want to reorganize that business maybe you had an LLC maybe now you want to become an S corporation or just a partnership um so assuming you’ve separated and then you want to separate the assets and this goes for Investments as well you want to um uh find out something called the tax 

Basis for the assets it’s not just the value of the assets when you’re considering because the eventually when you go to sell whatever assets that you’re bringing in you’re going to have to pay capital gains tax on it yourself because it’ll be in your and you want to establish what the tax basis is for each asset when you separate the assets also um there’s uh some consideration for uh um um retirement as well okay um when you um have retirement plans or investment accounts they’re different things uh with investment accounts um it’s not a business necessarily but you have to be careful uh on separating the Investments doing the same thing and helping you analyze which Investments um have a different tax basis as part of deciding which ones it’s negotia which ones you might separate or have into your account but do not sell those Investments transfer them that’s a big word right now okay is Trusty to trustey transfer do do not take the money out of the account because when you sell anything it becomes a taxable um effect and um you may end up paying taxes on it when you um transfer it you can open up a new account investment account and your own name transfer certain Investments over to that including retirement and then um you won’t have any tax consequences or anything to pay in that year until you eventually take those out or sell those assets okay oh so when you sell an investment I guess it’s the capital gains tax and you want to avoid that is that the tax that you’re avoiding well if you want to avoid um if you don’t have to sell anything if you’re just trying to separate out assets you don’t have to sell them you can transfer them to your own account and the same thing with property incidentally with real estate might be in both of your names um you want to transfer that uh if you don’t have to liquidate it you want to keep the property then you have to consider the tax basis of the property goes forward with you and that includes your personal residence because personal residence you have an exemption when you’re a couple that you can make up to $500,000 of profit on your home if you’ve lived there two years or more and pay no income tax at all well half of that can come with you if you’re the one keeping the principal residence right and putting in your name so uh you’ll be working hopefully with um a a tax consultant or Financial Consultant and your attorney to um work out the best situation for you and to at least be aware what your actions can mean in terms of tax consequences right yeah that’s that’s a lot to to think about actually there’s so many variables in that situation or any of those situations uh then what happens if one party owns a business uh and they’re trying to split up and like the valuation of a business I have a few questions related to that how do you valuate a business to if the business is maybe a newer business but the potential for growth is huge but the spouse has been with them as it’s been growing and it’s about to take off but they’re going to split up are you only allowed what it is worth now or do you have some access to future income uh and I so okay then we’ll start with those okay sure um well a lot of it’s based on how long the business has been ongoing and how long it’s been making a profit and also there’s inventory and assets that a business may have you may have to bring in a um a tax accountant or um um perhaps an appraiser even commercial appraiser to evaluate the business there are business brokers just like there’s real estate brokers a business broker would probably be the first step to have someone come in and evaluate the assets and um value of the business okay and uh is there anything anyone can do if their spouse owns a business to ensure that they’re not going to I don’t know cook their books hide money make it look like the business makes less than it really is well that’s always something to be careful of even when you’re married to somebody not divorced that’s where you could become an innocent spouse where you didn’t that your spouse was getting into all kinds of other um liability problems because they’re not being honest right and they come back to you want to make sure because you were married during that period that’s when you can apply for the innocent spouse status and one of the conditions of doing that the um the other thing about um separating a business is the um uh the different assets that the business might have and um you it just again depends on so many variables do you work together in the business is it your spouse’s complete business if you’re going to split it uh you want the value of half of that to be considered um you know in your spouse’s uh accounts and want to cash or other Investments and how to evaluate all those things um but you still have to be careful about tax consequences afterwards so a tax consultant can probably help you in making those final decisions and you know before you walk into a situation later when it’s too late and you took an asset that’s going toh create a lot of tax liability for you right right um and then uh coming to the concept of buying a home post divorce are there things that people need to be considering or aware of before they move forward don’t do it yes you have to be very careful um I I just had a case recently of a man that came in was ready to buy a home and just through conversation uh he he was living on his own but he still married to someone in Missouri so um he was reluctant to get a divorce uh I guess they’re still friends or whatever but I discouraged him from buying a property until the divorce is final and then after the divorce is final the spouse won’t have any claim but if you bought a house even if you filed for a divorce and you bought a house before the divorce is final and you’re your principal residence your spouse still could claim half interest in that property so you have to be very careful yeah okay okay things to just think about I guess it’s the same thing uh not opening credit cards buying a car any like when you’re going through the divorce process keeping things as static as possible and uh as transparent as possible.

I think uh anybody who thinks that oh I I’m just going to forget to mention this like it’s not only is it not ethical it’s could come back to bite you legally and um and for your long-term relationship just being honest and transparent if you have to co-parent all of that it’s just uh just be straightforward with everything financially it’s just the right thing that’s really one that’s really the second benefit of counseling that people don’t realize is that going through counseling helps people afterwards to be able to still talk together and work together on things children Financial assets and divisions things like Tom oh he can’t see me wait wait wait Thomas Tom you somehow wait wait wait you can’t see me of any joint account if you have joint uh debts like liabilities like on credit cards you have to make sure to um disclose that you’re getting divorced you’re no longer responsible for that credit card usually you can close a bank account uh by withdrawing your name from it um and and usually you can U close a credit card that you’re not not using if you are using an account and has a balance on it you’re going to have to try to get that paid off and get your name off of that account because you don’t know what your spouse may be using but because your name’s on the account you can become liable as far as that creditor is concerned yeah absolutely so yeah I think uh if you you actually need to like call the credit card companies and make sure that your your name is not on it and then or and in any revolving debt helocs uh car payments anything like that ensuring that uh all of that is very clear uh or being aware of what debts are out there that whole um financial affidavit having that as uh clear as possible to ensure that when you divide everything yes well well your mortgage and your HELOC is going to be tied to the house so as soon as you divide the house you’re going to have to try to um go back and either um um divide the mortgage out uh have one spouse pay off um their part of it or in the purchase or um in the case of um um liabilities of um the spouse you have to make sure that um you know we talked about business a little bit uh in business you can incur a lot of debts they a lot of payables accounts paybl right and that’s the other it’s it’s not so easy get keep track of those but in general you want to make sure to separate everything credit card companies know about divorces now so they’re prepared to split the credit cards usually and sometimes they will divide the debt balance even though it may be the other spouse that ran up that debt it might be worthwhile to split it go your own way because that spouse could still run up a lot more debt and you just have to be very careful also uh on your credit agencies and it does affect your credit when your spouse also doesn’t pay on a joint account which is another big liability that you have is your credit risk your credit scores and they could also I’ve seen this too many times where the spouse can open up more credit they know all your information it may not be legal or ethical but it gets done and uh you can’t explain that to the Credit Agencies afterwards very easily so go to the Credit Agencies and lock your account it’s very easy to do there are three um uh Credit Agencies out there you can do them online uh one I think requ requires maybe a phone call or verification of your ID and lock it you don’t have to pay for their lock and Protection Services locking your account uh is free yeah so um there’s a very good source that will help you also uh it’s free called Credit Karma um and they’re a good guide to uh looking up and seeing what the Credit Agencies show that you owe or that what you have a liability for and you can start there with the list of things things may pop up that you may not be aware of that your spouse has opened up an account maybe in joint name but you weren’t aware of it maybe you’ve forgotten about it maybe you don’t know he’s run up $10,000 in uh credit on it and that’s a good way to find out very easily is go to credit department and get a list of things that on your that are on your credit score and not a reporting to the Credit Agencies yeah that that’s uh monitoring your credit and having I I had some some of my information from what some company was like exposed and they sent me a free access to like credit monitoring I guess you can and so they notify me if anything happens changes um but yeah credit that’s Karma I did not know about that one so that’s really good it’s an application it’s free to join um at Cara with a K Credit Karma and um I’ve I’ve used it for a long time it’s come in very handy and there’s a lot of things on there especially when you’re trying to restart your credit on your own um sometimes they have credit card and uh personal lines of credit offers based on your score and you can use that it doesn’t it doesn’t cost the thing and I guess um people hold on I’m gonna edit this out people okay recording with the dog okay um so um a few things that I have uh been told uh just I’ve started a list of things that people sometimes forget money when they’re figuring out what to split and how to split someone mentioned uh grow balance on a mortgage um what is that and how do you look into it to figure out how you would split that well an escrow means that the the mortgage company is collecting a little extra money every month and they will pay your property taxes and insurance so it depends on how you split the house um and how you’re going to pay those bills um the U mortgage company is not going going to separate um the two people on the mortgage uh they want more security um the escrow account though you have to consider that um if it’s somebody’s responsibility to pay the mortgage and it doesn’t get paid what happens to that account suddenly there’s not enough in the escrow and U whoever’s living in the house may end up having to pay almost all of the insurance or the property taxes so in your when in your divorce there’s a financial uh section uh Financial sharing and everything that should specify who gets the house who gets the responsibility uh one spouse may have to pay spousal support as well as child support and we could talk about the tax effect of those things too yeah okay yeah we’re going to come to that towards the end uh stock options if somebody uh the company that they work for is not public but they do have stock options with the assumption that it is going to go public at some point is that is something that can be divided up and I guess once it goes public if uh one person owns a portion even though they don’t work for the company they still then have access to those options well um it depends on the company but a lot of private companies will say if you received let’s say half of the stock options um from a divorce you may have to just take the uh virtually sell the options and take the value of them you may not be allowed to have ownership if you’re not an employee at the time so it just depends on those things but yes warrants stock options and um um those things have to be evaluated uh at the time when you’re doing the financial sharing and the splitting and you know you you may get you know where you’re going to estimate the value and just take that cash at the time um there’s no tax consequences when you separate assets um there are tax consequences when you benefit from the basis of a exercise a stock option or warrant and liquidated afterwards so um again it’s just a matter of keeping track of something nobody wants to hear called the tax basis you can probably do that while you’re getting your divorce have your tax consultant try to look into that so that you’re prepared afterwards if you have to liquidate any assets incidentally talking about work one of the first things you need to do is go and change your W for at work um so that they’re going to be withholding enough when you’re married and you’re putting that on your W4 they’re not withholding as much as when you go to file your tax return and you’re going to file single or even head of household so you may get caught short at the end of the year because there’s not enough withholding so definitely adjust your W4 at work is one of the first things you’ll want to do wow okay yeah that’s something I had not heard about um there’s uh someone else mentioned if someone does estimated payments to the IRS and so I guess means they’ve prepaid to the IRS and that money is already there and you might be uh eligible for a portion of that money well um remember the the terms of getting divorced as far as the IRS is concern it’s your status as of the end of the year the last day of the year December 31st so if you’re if you’re still not divorced uh even though maybe you filed at December 30.

first you still have an option of married filing jointly which a lot of people do because there’s less confusion as to claiming it but if you’re married filing separately you’re entitled to half of that estimated tax payment you can put that in your tax return and get credit for half even though your spouse maybe is self-employed and was putting that all in for themselves their bous so you want to be ethical or moral um but legally just from the tax point of view half of that money is yours when you’re married now if your divorce is final on December 31st um then you’re going to be uh filing single or had a household depending upon um children or not and then um it’s going to be uh dependent upon um the financial sharing of assets so that should be listed in there as an uh as asset and divide it you know and determine as you’re going through your settlement right okay helpful information there uh another thing someone once mentioned to me that I had never thought of before is if uh one spouse does Investments and they have a margin account balance on an investment account can you explain that well margin account is just a loan that against uh your stock value if you have $100,000 worth of stock you can margin up to $50,000 of that and use it to buy more stock for instance it’s really a loan against the stock so when you’re diving up the stocks you also have to make sure the margin for those Investments are paid off when you transfer you won’t be able to transfer the margin you’ll only be able to transfer the stock so don’t you know be careful if you’re the spouse giving away the Investments then um make sure that you make to take into account the margin against that and so the other spouse doesn’t walk away with um uh without any uh consideration to owing money still on top of that stock value yeah so um those are all like things with your uh assets what about uh like revolving debt like a HELOC or something how would you split that if that let’s say they had a HELOC for 50,000 and they’ve used 20,000 um is that similar to a house you would buy the other one out or yes that’s um whoever gets the house primarily you’re you’re going to get the uh the mortgage with it and the HELOC is really like a second mortgage so it’ be the same treated the same way you have the value of the house but you’re also getting the debt now here’s the problem is let’s just say one spouse um um maybe the largest money earner is going to retain the house because they can afford to stay in the house and um but something happens and they can no longer pay for the house and uh the house goes into foreclosure and the debts on the mortgage and the helck are called in your name’s still on the mortgage even though your name is no longer on the on the house so you do have to be careful on how that split and it has to be defined in the um um the the marital Separation agreement yeah and um yeah what it’s interesting I think it depends like my ex and I trusted each other enough I got the house in our settlement but the mortgage was is in his name and for three years we kept it in his name even though I was paying the mortgage and then the agreement was I would refinance by the end of those three years and put it in my name and that worked really well for us but I know for some people if there isn’t enough trust assuming that that person is going to keep paying the mortgage if your name is on it is a little risky but uh and sometimes life happens I mean unemployment or other things happen and it’s not just a matter of trust but you can’t trust to the unknown you’re taking on a risk yeah so you should taking that into account when making your right final but for someone who’s not keeping the house and let’s say G to get alimon and child support they can’t actually apply for a mortgage until they’ve been getting a like is it three or six months of alimony I think so and have 36 months of alimon still to come in order to use alimony as part of the eligibility for the mortgage right yes if you’re um and this is prior to 2019 okay if you’re receiving alimony it’s taxable income to you after you know um December of 20 18 alimon now with any new or even adjusted settlement um is no longer deductible for The Giver 

The spouse that’s giving alimony still has to pay all the taxes on it it’s not taxable to the spouse that receives it however the alimony H this is the mortgage company rules that the mortgage company for a federally insured mortgage like a Fanny May or um um a um FHA mortgage there are the rules about um determining if alimony is going to be counted as uh income for you and your debt to income ratios so you’re all right you have to have it for so long you have to have a decree that shows that you’re do that money and um also to um um receive it for Beyond like you said I think three years or more is correct um yeah in order to claim it now one little detail since you brought up alamon and child support is that um if you are not getting paid what you’re supposed to get paid um and you have to hire an attorney um when if you’re going to hire an attorney to get um alimony um the attorney’s fees can be deductible in your tax to collect the money that’s owed to you wow one small point just not to forget should that situation ever come come into yeah and that does unfortunately come into play yeah so does bankruptcy incidentally when um your spouse files bankruptcy after they file for divorce life can get a little complicated there too because you have all your assets that are still joint you have the um Bankruptcy Court putting a hold on everything so that you’re going to need your divorce attorney and probably a bankruptcy attorney of your own even if you’re not filing just to consult with to know what you can can’t do with the assets wow that must be a nightmare um okay so let’s go to child tax credits and head of household what are things people should know and uh let’s say there’s only one kid versus having two kids uh like options and things to be thinking about okay well um with child support basically there’s uh a custodial parent um in state of Florida you can do a 5050 sharing of your time child sharing with with each parent but only one parent is considered the custodial parent okay and that’s done more for convenience but primarily you the custodial parent is where the address at school the number of days or nights that the child stays at your house you become if you have the majority of days of the year you’re primarily the custodial parent and you’re entitled to child support um and some of this depending upon your income relative to your spouse’s income as well um but assuming you get child support it is not taxable to you okay um now child credit is another item uh right now it’s about $2,000 if you have children under um under 17 16 or under that are your dependents um and your dependence um for instance if you’re paying medical bills and other uh expenses that are deductible those are itemized deductions for you because they’re your dependents everybody probably knows that but if your spouse has a child um that’s they’re claiming as a dependent and you’re paying medical bills for that child you can also deduct them on your tax return as itemized deductions even if they’re not showing up as a dependent on your return another thing that’s very common is that you may be the custodial parent but in your child sharing agreement your spouse gets uh um to claim them or claim the exemption for them maybe every other year perhaps you see incidentally the Inside Story on that is if you get to choose the dependence between you and your spous and your former spouse uh try to take the younger one right and it’ll pay off in the long run but um the um uh child credit actually will go over to who’s claiming the exemption that year okay now if you had just one child let’s just say and you were basing your status as head of household based on having one child and you were the custodial parent in the year that the spouse takes the exemption you can still claim at a household as long as you’re the custodial parent so uh in the divorce settlement it should be defined is who is the custodial parent who will take the child tax credits which year and um okay and so like my situation where I have the kids more than my ex I as far as I understand I take head of household but in our divorce settlement we agreed he would take the child tax credit so you can split them up right yeah if it’s a according to agreement that um the the child sharing that your spouse U will be able to claim the exemption for them um they don’t that spouse can’t be had of household uh unless they have other circumstances but based on that child um they can claim the exemption but they would still have to be single status or if they got married again but uh you can still claim had a household that’s correct okay now being had a household versus being married or being single um you get an exemption yourself of about $7,000 more on your tax return why the status of had a household is better than single okay okay I didn’t I knew there was a benefit I just didn’t know what it was but that’s a pretty big benefit actually um and if you’re married filing jointly uh then it won’t really matter except um the exemption part only goes with wherever the child is being played okay gotcha um any uh just general tips or things that you would recommend to people as they are starting out the process of going into a divorce well I mean you need a team I mean um you don’t have to hire anybody right away but um you start with a counselor marriage counselor you start with uh getting uh an interview from with an attorney had the divorce attorney to get legal tips and advice uh if you have Investments or joint Investments make sure you know who your financial advisor is you may not want to change them it’s it could be a jointed account now if you like them just make sure that they understand that they’re going to have to transfer them to your individual account and a tax consultant you probably should get be aware of U probably before the end of the tax year whether the divorce is final or not uh to get some advice to help head off any unnecessary taxes yeah so get that’s your team that’s your team together to help protect you and give you uh as much information as you need to make good choices yeah I think having that support during such a big life transition and ensuring that these decisions that are being made that will affect your life for quick quite a while financially and then just uh the family Dynamic trying to keep it as amicable as possible uh so that you do have that relationship post divorce is so much more important than nickel and diming when you get to the little things towards the end for sure that and and that’s from experience from both of us I’m sure it’s so much nice to be able to work but um you know on on um on the other side uh I’ve seen um women if if you don’t mind me singling them out the situation is more common where Sometimes women are so you know anxious to get divorced and get away from the spouse that they don’t even ask for child support they just want to get away um and that is almost always I’ve seen that or run into that individually they always look back and regret it at the time you’re getting divorced there’s a Feeling by whoever is pushing for the divorce to get away and not worry about the financial issues just let it go you have to think that the financial issues are not just about you it’s about what you can provide for your children later and how you’re going to be able to live so take that take a moment that’s why these other this team of people will be able to maybe remind you the same thing it’s worth letting your attorney or whoever is filing get the most that you can get in terms of support for yourself spousal support as well and especially for children and for children uh also you may even go beyond just the child support and while they’re in school you may ask for a college fund or a percentage of liability should the child go to college that the EXP spouse would be liable for it or agree to pay for it absolutely I think thinking so far in advance to college and the years uh even post College you can account for things in your a settlement agreement is a negotiation it’s a business negotiation anything can be put in there like for example I knew my ex was going to be getting uh um an inheritance and I didn’t want any of that for me.

I just wanted to ensure that he would put a certain amount of money into an account for each of our kids when he gets that inheritance and so like these are things that were so far down the line but uh just trying to think five steps ahead um and that to your point when you filed for a divorce and get the final divorce that’s it you can’t go back exactly try to you know be it’s not not being greedy or taking away from the other one or think that they can’t be able to live um protect yourself and your spouse true yeah for women and I do I do agree it’s the women a lot of times many times stay atome moms who question whether do I deserve to be asking for all of this but I remind people the other person’s career trajectory has been able to go this direction because you were there as the support so it was a team effort so yeah I think there are too many uh non breed winners who end up in very difficult situations post divorce financially and I just remind people a lot of my clients you don’t want the kids to be going back and forth from one house where they everything is luxury then they go to the other house and it’s like they there’s barely decent food on the table like neither parent should want that for their children to be going back and forth and have it be so different which means Equitable split so that for your kids they’re not worried about one parent not being able to make ends meet that’s a pressure on the children that you don’t want to be putting them into definitely and who’s going to pay for future dental bills and uh education bills that come up that are Beyond you know normal day-to-day living expenses and it’s good thing to foresee those events and put the U the split if you will the responsibility into the divorce settlement so it’s all agreed on front you don’t have to keep going back and forth yeah yeah the nightmare for some people I think of like trying to keep receipts and trying to get money from each other is uh something that we did which I don’t know I don’t think I’d read about I don’t know I just we made us we have a shared bank account and at the beginning of the month I kind of say and it’s for the kids medical for school activities for you anything related to them and we at theend beginning of the month I’m like up school starting we both have to jump 300 each into that account and then we both have transparency we can see all the transactions going in and out their cell phone bill anything like that and we just split that 5050 and it’s an ongoing when they were both EMB braces it was a little more and then summertime it gets quieter we can put in a little less so but something like that is much better than I think fighting over receipts and yeah yeah your spouse might must have had a good marriage counselor yeah right um so uh yeah I think we’ve covered a lot of information in quite a short time I really really appreciate you doing this and uh maybe we’ll do it again as I come up with more questions and uh this has been really really informative though so I’m really excited for people to get to listen to it and thank you so much Tom you’re welcome anytime and um I do charge a consulting fee if um if you need Consulting and uh one of the important things is to look for right now if you’re going to be divorced make sure you have a copy of last year’s tax return and make sure you keep any tax documents that may be coming in uh to go to your forwarding address changing your address if you are relocating is very important to track down future tax documents that you’ll need and reporting of investment uh portfolios the um my existing tax llies I don’t charge uh for five or 10 minute uh consultation over the phone or if you want to come in and review a few documents during the year I’m available uh pretty much 247 I think we’ve talked on Saturdays and Sundays 

I don’t encourage it but I’m there and if I can answer your questions too this for my existing clients I don’t charge anything extra for that so um if you uh want to reach me I think there’s you’ll have some information there for anyone who’s needs some information some help yeah so I will be putting Tom’s information in the description it’s Apple tax in Orlando Florida and apple realy as well he’s a broker and all of his contact information will be in the show notes and um I highly recommend he’s a wealth of information so if you did just want to do a short consult I would highly recommend reaching out to him and um again thank you so much Tom and I will let you know when this is up on YouTube for you to take a look all right uh yeah send me a copy so I can touch up my photos though yeah right okay I will um I will be in touch and thank you again thank you.