Tyler D Harris, CPA

Senior Tax Accountant

I help business owners save millions in taxes using advanced tax strategies.

I moved to Hawaii with my wife and three kids for better work/life balance.

Tax Supervisor

Tyler D. Harris, CPA, CMA

A client copied me on an email with a lender this week.

Immediately, I reached out to the client to tell him to hit the brakes. A small change could save him $25k per year in taxes.

He's refinancing his home down from a 7.72% rate to a 5.75% rate.

At face value, it's a huge win.

But here's how he can make it even better. 

Currently, only the interest related to the first $750k of home acquisition interest is tax deductible.

With a mortgage balance of about $1,750,000, only about 43% of his mortgage interest is tax-deductible.

He is planning on pulling $150k of equity for home repairs, meaning his new loan amount will be $1.9 million at 5.75%. Overall, his rate drops quite a bit, but only 39% of his interest will be tax deductible.

He happens to have a decent amount of liquidity right now, so my suggestion is this:

1. Pay the original mortgage down to $750,000.
2. Wait about a month
3. Refinance at $1,900,000
4. Use $750,000 to pay off the original balance
5. Use the remaining $1,150,000 to invest into either his company or his portfolio.

At the end of the month, he's in the same financial position except for his taxes will drop.

Now he will be able to deduct all of the home interest and the rest of the interest will be deductible against his investment income.

This results in about $25k of annual tax savings (37% Fed and 11% HI), and the tax savings reduces his effective interest rate from 6.13% down to 2.99%.

Check out the math below and let me know if you have any questions.

Tyler Harris CPA

I help entrepreneurs worth $40M-$400M save $1M+ in tax.

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I'm looking for a CPA or EA in NYC for one of my client's best employees. 

Hoping to keep her fees less than $1k. Here's a quick rundown of her situation:

$200-$300k of wages as follows:

One W-2 through May 2025. She received 6 months severance when her company was acquired. She did contract work for a few months before starting at my client's company. 

Currently single. Engaged to be married in 2026.

I need someone who can handle a (likely) simple Schedule C as well as a couple of W-2's.

That's about it, from what I know.

Please tag someone in the comments or reach out if interested.

There is a lot of fear around stripping profits from a C-Corp.

"The IRS wants you to pay a dividend"

"You shouldn't avoid double-tax"

These are the claims, but they are based on old facts.

Before 2017, corporate tax rates were 35%. This meant if you pulled a dividend from the company at the highest brackets, your combined Federal tax rate was was about 50.47%.

If you paid yourself a big salary you would pay about 43.4%.

If you paid an S-Corp management company the rate was as low as 39.6%, but probably closer to 43%.

This meant the IRS was losing at least 7% when people avoided double tax!

Now? 

The rates are a lot closer:

Double tax: 39.8%
Wages: 40.8%
S-Corp: 37%-40.8%

There's barely a difference!

So don't believe the hype. 

C-Corps aren't terrible.

They are about as tax-efficient as any other structure.

But please, consult a professional to make sure you choose the right structure for your company.

I'm currently on the phone with the IRS resolving a $13,722 error that would have cost 5 minutes of attention.

In January 2025, Los Angeles County had some serious wildfires. A large portion of Pacific Palisades burned to the ground - entire neighborhoods.

As a result, both the IRS and the CA FTB extended disaster relief via payment postponement for all Q4 2024 estimates, 2024 balances, and Q1, Q2, and Q3 2025 estimated tax payments.

This means that the $13,722 underpayment below should have been waived, but the tax preparer (not us) failed to apply disaster relief to the taxpayer's account.

Instead, they calculated an underpayment penalty and had the client voluntarily pay it.

I've been busy resolving issues like this over the past couple of months.

We applied this disaster relief to all of our clients since our office is in Los Angeles County for their 2024 tax returns. 

Our clients will also get this relief for their 2025 tax returns. For some of them, I've seen over $100k of interest savings just by avoiding these penalties and delaying their payments.

If you weren't aware of this previously, check your tax returns and make sure you have disaster relief applied to your account if you were entitled to it.

Corey Scott

Corey Scott Coaching

I coach people on how to create a vision for their life, make a plan, and start living a life of intention. 

For many years I struggled. As a young man, I didn’t know how to achieve success and what to do to get their.

I wanted greatness but had no clear vision, no plan, and definitely no guide to get me their. 

Eventually I entered a coaching program that helped put me on the right track. 

Now, I coach people on how to really start living their life with intention.

Coach

Scott Learning Group

Scott Learning Group, LLC is an online coaching and consulting firm for teachers and school leaders. We develop online courses to teach k-12 teachers how to be more effective and efficient teachers. 

Mission: By changing the way we educate and invest in teachers, we will change the way schools operate in America. 

Core Values:
Achievement, Growth, Structure, Change, Education, Simplicity 

As the Founder and Principal Coach, some of my duties include:
- Creating engaging online courses and content for the k-12 industry
- Launching courses via website/ social media and managing a sales funnel
- Prospecting potential clients via social media and other media outlets
- Cold calling/ cold emailing potential clients to warm leads and close sales
- Maintaining business operations, accounting procedures, and legal set-up

Founder

Cooke School and Institute

Teacher Assistant

Upflow

Getting paid effectively remains a significant problem for B2B businesses. At Upflow, we're on a mission to revolutionize how B2B companies get paid. With Upflow, get paid faster, simpler.

Business Development Representative

BetterGrowth

SnapComms

Internal Communication Specialist

Guilford County Schools

Exceptional Children's Teacher

IREDELL-STATESVILLE SCHOOLS

Special Education Teacher

Jefferson Parish Public School System

Aerotek

Aerotek® Inc. is a leading provider of professional, technical and industrial recruiting and staffing services. We are part of Allegis Group® Inc., the second largest staffing company in the United States.

Responsible for full life cycle non-technical recruiting activities for a myriad of companies, which included screening, interviewing and submitting qualified candidates to job openings.

Recruiter

Helping at-risk youth get better grades and attendance

Welcome to my LinkedIn Page!

I work with school principals to 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐬𝐭𝐮𝐝𝐞𝐧𝐭𝐬 𝐥𝐢𝐯𝐞𝐬 𝐚𝐧𝐝 𝐛𝐮𝐢𝐥𝐝 𝐭𝐡𝐞𝐦 into the future leaders of America.

How? By offering a customized SEL program that is aligned to state standards. 

In order to increase student outcomes, we will focus on building the whole child.  It's kind of hard to learn how to read when you're not motivated to do so and completely checked out. 

Through 1:1 and group coaching sessions, & more,  I support students by giving them the skills they need to be successful. 

𝐒𝐜𝐡𝐨𝐨𝐥 𝐩𝐫𝐢𝐧𝐜𝐢𝐩𝐚𝐥𝐬 𝐜𝐚𝐧 𝐞𝐱𝐩𝐞𝐜𝐭 𝐦𝐲 𝐡𝐞𝐥𝐩 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐟𝐨𝐥𝐥𝐨𝐰𝐢𝐧𝐠: 
✔️ Increasing student attendance 
✔️ Increasing test scores and student grades
✔️ Decreasing behavioral incidents
✔️ Increasing student engagement and morale 

Curious? Send me a message and let's talk.

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Corey Scott

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The Battle

Tyler D. Harris, CPA, CMA

Corey Scott

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