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The wealthiest Americans often pay little or no income taxes, as we learned when their tax returns were leaked to ProPublica.
The tax rules are the same for everyone; yet Warren Buffett testified before Congress that he pays a lower tax rate than his secretary.

What does he know, that his secretary doesn't?

There are two types of taxpayers: Those who know the rules, and those who overpay their taxes.

Financial myth: The smart, easy way to save taxes is with a government-sponsored retirement plan like a 401(k), 403(b) or IRA.

Lower your lifetime income taxes

Financial myth: If you want a better rate of return, you'll need to take on more risk.

Lower Your Financial Exposure

Financial myth: The bigger the pile of money you accumulate, the greater your spendable income.

Increase Your Spendable Cash Flow

Case Studies: Real People, Real Results

Early Retirement

Ten years from retirement, he faced a choice: Work longer, or surrender their lifestyle. He chose neither.

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A Pay Raise?

She expected to retire, hunker down, and just get by. Instead, she got a pay raise.

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Do You Want to Hear the Rest of the Story?

Who We Are

We are members of The Breakaway League, a nationwide association of CPAs, attorneys, CFP^®s and financial advisors who follow a road map set out in the Internal Revenue Code to achieve results otherwise unattainable with traditional financial strategies.

The Breakaway League is unaffiliated with HTK

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What We Believe

Traditional financial strategies can work really well when you're accumulating wealth. It's only when you begin relying on that accumulation for income that you find the very strategies that delivered you to the top of the mountain can turn around and drive you right off a cliff.

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How We Work

We begin with strategies that are tried and true, based on income tax laws that have been stable for generations. We then work with your individual situation to help you lower your lifetime income taxes, lower your financial exposure, and increase your spendable cash flow.

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Meet Wayne Farrar

As a CPA, I help my clients use the income tax laws to achieve three things: Lower your lifetime income taxes, lower your financial exposure, and increase your spendable cash flow.

You may already be good, but if you want to be great you need to discover the income tax laws the wealthy have used for more than a century to build and protect tax-exempt, spendable cash flow.

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