Read The Transcript Here:

Steven Jarvis, CPA (00:51)
Hello, everyone, and welcome to the next episode of the Retirement Tax Services Podcast, Financial Professionals Edition. I’m your host, Steven Jarvis, CPA. And I am joined this week by a fellow CPA, Brad Wooten. Brad, welcome to the show.

Brad Wooten, CPA (01:03)
Thanks, Steven, glad to be here, looking forward to it.

Steven Jarvis, CPA (01:05)
Yeah, absolutely. I love being able to have fellow tax professionals on to kind of talk shop and to give advisors a little behind the scenes on what getting all this work done looks like. Before we dive into kind of the main part where we’re going to talk about, give just a little bit of background to the audience of kind of what it is you do, who you specialize in serving.

Brad Wooten, CPA (01:24)
Yeah, yeah. So I opened up my tax firm in 2019. So this was my sixth tax season, and I focus mostly on small business and individual tax returns. So I do predominantly S – corporation tax returns for professional service business owners and then pretty much any individual tax return as long as they don’t get too crazy and like the cold wallet crypto stuff or, you know, day trading or anything like that. I handle most most the majority of my practice is 1040 tax returns. And then I do about 40, 40 S-corporations.

Steven Jarvis, CPA (01:52)
I do appreciate that you throw in the caveats there. Hey, there’s a few things I’m just not gonna do. I’m the same way. International tax makes that list for me as well. Like if you’re gonna get into international tax, you need to find someone who does that all day, every day. Like that’s a pretty focused area. So Brad, the biggest thing I wanted to talk about today, I mean, we’re a couple months removed from the big, beautiful bill getting passed. I’ve talked about it several times on the podcast. I’m sure advisors are sick of hearing the kind of checklists of here’s the planning opportunities with the big, beautiful bill. What I don’t think it’s talked about often enough is what a tax law change like this will mean for tax professionals. And the reason I think this is important to advisors is that all of your clients work with some kind of tax professional, even if they DIY, then they’re their own tax professional. And that’s its own kind of scary at times. But there is somebody in your client’s life who has to prepare a tax return. And that gets a lot more convoluted and complicated when we have a major tax law change. So Brad, as I mean, we sit here in September as this airs. What are you anticipating for this coming filing season? How different do you think it’s going to look compared to last year?

Brad Wooten , CPA (02:53)
Yeah, yeah. So as I anticipated, I’ll be honest, I haven’t done enough thinking about anticipating this as I should have. But one of the huge benefits is, know, hey, we got a tax bill in the middle of the year. When was the last time that happened? I forget, Steven, when you started. I started in 2008, and that was when we were getting these like one-year patches on December 31st every year. I think of the Bush tax cuts. And, you know, I was like, hey, let’s patch it for a year. Let’s patch it for a year. Are they going to do it this year are not? So, you know, the fact that we got this in July instead of December is huge so that we can at least start to take the continuing education on this, get up to speed on this, start to educate the clients on this. And that is just something I’m very thankful for as opposed to December or, I mean, good grief, the year that they were like, hey, we’re not going to tax unemployment benefits. And they did that after we had already filed returns. That was the first time I’d ever experienced something change in after we had already filed it.

Brad Wooten, CPA (03:48)
And that was, yeah, that was a pain. So, very grateful for that. Anticipating, honestly, what I’m anticipating most is, you know, of course there’s gonna be some changes in the forms, right? So, you know, when they, I don’t know if many people will remember this, but unless my memory is wrong, I’m pretty sure Obama was the first president to talk about a postcard-sized tax return. And then Trump started talking about it too. And we got the shortened 1040. And you know what came with that, right? With schedules one through five, because if you take stuff off the front of the tax return, you got to put it somewhere. So we simplified the first two pages and created five new schedules. So there’s definitely going to be new schedules, right? I don’t know if they’re going to squeeze some of this stuff into current schedules. The problem with that though is like, man, which one? Is it schedule one, page two that has the above the line deductions? Where you can’t stick some of these new deductions in there because they’re not above the line deductions. They more flow into where like QBI is so they’re not gonna be able to go on to that schedule They’re gonna have to have their own schedule. So new schedules Will they monkey around with the with the main two pages of the 1040 so that when I’m comparing year to year I’ve got to jump around and wonder what was in that versus this so definitely probably a little bit more inefficient on the reviewing of the returns and then you know The biggest thing just questions from clients right? Why this why that? I don’t understand this, what changed, things like that. So going to be a lot of time spent communicating with clients.

Steven Jarvis, CPA (05:12)
Well, and that’s such an important point right there, Brad, for advisors listening, because I promise this podcast is not meant as a desperate cry for advisors to help all the CPAs in the world. That’s a nice side benefit. Advisors take away from this really should be, how do I help my clients’ tax experience be better this year? Because so much of what an advisor does has a tax consequence, and I’ve talked about it plenty of times on the podcast, but being on the tax preparer side, If I don’t know about something until March or April and I don’t have a relationship with the advisor, which thankfully in my case isn’t how that works, but it’s not surprising that a lot of CPAs will say, well, your advisor did these three things that screwed it up and they never told me about it and so it’s their fault. Like it’s not a shock why advisors get thrown under the bus. And so, I mean, some context kind of building on what you were saying there, Brad, that advisors probably aren’t aware of on a normal year where there aren’t major tax law changes. The tax software we use will release the new forms for us in like the middle of January, because that’s when the IRS finally gets around to releasing the new forms. And that’s when there are minor changes, like it’s 2024 instead of 2023 and the tax rates changed a little bit. On a year where there’s major changes like this year, geez, I don’t even know what to begin to guess as to when those forms will be available. And again, the reason I’m sharing that context is because while I’m with you, Brad, I love that we have more time to process how the bill should work in theory. We have more time to have conversations about what kind of the planning is. There’s still the very real implementation and execution piece. There’s still the very real possibility that everything we thought about one of the provisions in the bill will look a little bit different when we have an actual form to file it on. It’s possible that a form will come out and be incorrect or create an unintended consequence. So, this tax filing season will get very compressed very quickly.

Brad Wooten, CPA (06:58)
Yeah, yeah, that’s 100 % true. And, you know, again, I mentioned the July piece for us. Well, hopefully, right, I mean, I use Ultra Tax by Thomson Reuters. I certainly hope that they have a team that’s already on trying to do this. But how much can they do before the forms with the instructions are released? To your point, they can’t even start the programming until they get that. And then there’s pieces to this too, where we just from, I mean, you know, from the tax law, the tax law may have one line. Well then we might get Treasury regulations and we might get Q &As and we’re going to get the IRS interpretation of this. And there’s plenty of things in this bill where it could go in a couple of different directions depending on how the IRS interprets this. And we got to wait and see before we even know how to advise on that fully.

Steven Jarvis, CPA (07:41)
Yeah, well, let’s take a recent example that’s still being implemented, Secure 2.0. I mean, we’re a few years into that. There’s still provisions of Secure 2.0 that are becoming effective this next year, so don’t forget about that. But when Secure 2.0 first came out, at least as I recollect it now, kind of one of the big sticking points was, OK, inherited IRAs got shortened to 10-year time frame to distribute everything. And then it went pretty sharply back and forth of it first. was like, and there’s no RMD requirement. And then it’s like, whoa, wait a second, there might be an RMD requirement and then it’s, in certain situations there’s a definitely an RMD requirement. But there were multiple very, I’ll use very sarcastic air quotes, but there were definitive answers that kept changing. so Brad, you’re absolutely right. And so one of my, one of the takeaways I’d love for advisors to have from this is with the tax law changes, it actually becomes even more important than in other years that you are really dialed in on the kind of recurring, what maybe feels like basic things.

(08:34)
The more you can do to help your clients understand the planning you did with them for the year so that they can communicate it effectively to their tax preparer. The better able the tax preparer is going to be to navigate these changes and have a quality outcome for your clients. Because if you’re thinking, hey, I’ll wait till February and then I’ll remind the CPA that we did a Roth conversion. Yeah, in February, the CPA is gonna be thinking about a few different things. Your Roth conversion is not going to be top of the list.

Brad Wooten, CPA (08:59)
Yeah, yeah, another big piece of this too that I think about is, I think about all the clients, I feel like probably the majority of my clients. So again, I have clients from 50,000 up to, you I’m not doing ultra high net worth clients, right? I’m doing your typical average American. And I would say that for a large portion of these folks, they’re not going to see much change. And so I think one of the biggest questions we’re gonna get is, Hey, didn’t this massive tax bill lower my taxes and save me a bunch of money? Why am I paying the same amount as last year? And the reason for that is because this tax bill wasn’t, hey, here’s an extra $10. It was, hey, we were going to take $10 more from you, but we decided not to. And people aren’t going to notice that as much as they notice here’s an extra $10.

Steven Jarvis, CPA (09:48)
Yeah, Brad, I really appreciate you bringing that up. That’s been that’s been high on my mind as well. And I like the $10 analogy, because that’s exactly what’s going to happen. Because the headlines that people heard was major tax law change, tax rates got lowered, it’s going to it’s going to create trillions of dollars of more debt, more national debt. Like these are the buzzwords they heard. And so I’m with you. There’s a lot of people that, you know, the financial advisors typically work with people making hundreds of thousands of dollars a year even, they’re not going to see a dramatic change. And some of them are gonna be confused, some of them are gonna be disappointed. There’s so many people who, to your point, won’t be dramatically impacted in a way that they’re going to see. If you did a side-by-side comparison of what 2025, 2026 would have looked like without the changes, then it’s a little bit more of a stark contrast. But I think there’s, yeah, there’s gonna be a lot of taxpayers who are like, wait a second. Where was my big tax break from this tax law change?

Brad Wooten, CPA (10:38)
Yeah, yeah, yeah, exactly. Because it’s not coming, right? They’ve got the same tax brackets. QBI is the same. There’s, you know, roughly the same child tax credit. I mean, everything mostly stayed the same for a huge chunk. And I haven’t done a deep analysis on this, but I would say, okay, if you’ve got people from $150,000, married, filing joint, $150,000 to $400,000, they’re going to kind of walk away feeling the same. They’re under 150 and they get this new senior deduction or they get TIPS deduction or they get overtime deduction, the child tax credit gets a little bit of a bump, they’re gonna feel more. The standard deduction got a bump. So the sub 150 married filing joints, sub 100, they’re probably gonna walk away better off and actually maybe feel it as opposed to it kinda staying the same. The 150 to 400, maybe they’re gonna stay kind of the same, because they’re gonna phase out of some of this new deduction stuff, right? Like the senior deduction they’re gonna phase out of. And then your 400 plus, they’ve got some new stuff, but also they’re gonna phase out of some of this other stuff that’s coming into play. QBI is gonna stay the same. Their itemized deductions are gonna start phasing out if they’re in the top tax bracket, which you know. This is when I realized I was getting a little too old, Steve, and I was on LinkedIn and some CPA, I ended up looking, I think he was three to four years in. And he said, I’ve never seen them limit itemized deductions before. And I commented, was like, what about the P’s limitation? And I don’t know if it’s P’s or P’s, but I’ve only ever read it. I’ve never said it out loud. I started in 2008, and I didn’t realize that was, what’s that, 17 years ago.

(12:14)
You you don’t think about that, right? You just think like 2008, that was not that long ago. And so I said, well, what about, you know, the B’s limitation? And his response was, he’s like, oh, Brad, I should have known you were going to come back with some weird, quirky stat about, you know, like the tax law. I was like, weird, quirky stat? Like this was common every day talking point in 2008, 2009, 2010. I was like, this is not some weird, you know, little known fact about the tax code. In fact, I think we had it. Did TCJA do away with that? Like, or was it before that? I don’t remember, but I know we had it in 2010. And this, this bill made that permanent, right? The P’s limitation has gone permanently. So, you know, it was going to come back, which is why I think it was TCJA that did away with it. But they’ve got this new, and I haven’t read this one in detail enough, but it’s this new 237th you know, phase out, and that I think only applies if you’re in the 37 % tax bracket, but I haven’t dug into that one in too much detail.

Steven Jarvis, CPA (13:11)
Yeah, I itemized deductions have changed so many times in how they work. And now, yeah, we’ve got different phase outs. We’ve got the potential deduction of automobile loan interest. We’ve got a floor getting added to charitable giving. there’s all these. We’ve got the salt cap change, if people hadn’t already assumed that Brad was in an income tax-free state because that hadn’t come up yet, Brad’s based in Florida, which I do love income tax-free states. Because there’s some people but to your point, but it’s only people in a certain range before that because that starts phasing out…

Brad Wooten, CPA (13:37)
Well, yeah, stock cap’s gonna phase all the way back down to 10,000. So for the people paying the most in state income taxes, they’re gonna get stuck with the 10,000 anyway, right? Because they’re high income. So I think it starts, I don’t know when it starts. I wanna say it’s around 400 or 500 for Married Filing Joint is gonna start to phase out. And you think about, okay, even at a 10% tax of 400, when it starts to phase out, that’s when you’re gonna get the 40. Now, of course you got your property taxes added to that too. So, I do think there’s going to be a lot of people in your normal, you know, five, six percent state income tax states that between their property taxes and their state income tax, you know, they’re looking at $30,000 there that they’ve been limited to 10. And so that’s going to that’s going to help people significantly that are in that in that space, even even some that weren’t itemizing at all, because maybe their charitable giving is pretty low. And so it’s like the mortgage interest of 15 plus a capped, you know, 10. was leaving them with the standard deduction, but now that that state income tax plus the property taxes could push that up, yeah, there’s gonna be a lot more itemizing. There’s gonna be a lot more itemizing in general.

Steven Jarvis, CPA (15:376)
Which, and Brad, I think that just reinforces the point that you were making that for a lot of people, it’s not gonna be as a dramatic of a change as they probably are anticipating. Because the way this bill got talked about was, huge tax cuts, and here’s how much it’s adding to the deficit, or how much they’re cutting out of the budget, or all these huge numbers got thrown around, which I’m still convinced that no one actually knows what a trillion dollars is. Like, we say that, like we know what that means. I have no concept of what a trillion dollars is. But if somebody tells me that, a tax bill is going to cost $4 trillion over 10 years, like, heck yeah, I think I’m going to get a big piece of that. Until you dig into it, you’re like, oh, I’m going to get none of that, or very little of that, in a way that’s going to change from 2024.

Brad Wooten, CPA (15:18)
So my QBI is not being phased out yet. Maybe one day it will be because of the SSTB, the Specified Service Trader Business stuff, but it’s not yet. And, you know, so I’m sitting there looking at the tax brackets and I’ve been bunching my charitable giving to itemize every other year and the QBI. And so, you know, I know that because of this tax bill, I’m saving six, seven, $8,000 in taxes.. I’m staying where I was again, coming back to I’m staying where I was. I’m yeah. No, it was going to go up and now it’s not. Yeah. So I’m thankful for that. Yeah. And the average, the average taxpayer is not going to realize that until we tell them like it was going to go up, but it didn’t.

Steven Jarvis, CPA (15:53)
Yeah, so especially for advisors who, as a lot of people are listening to this, they’re either into their fall planning meetings with clients or getting ready for them. This is something to definitely be aware of because even for the clients who work with a great CPA, for advisors listening who work with RTS, of course we talk to our clients about tax planning and tax law changes. But those clients are still going to come to you in your meetings when you’re talking about financial planning, and they’re going to say, wait, how did this thing apply to me? What do need to do different? How much? Brad, how much money am I gonna save this year because taxes went down? And you’re like Brad’s articulating here, you’re gonna have to explain to clients that it’s not that you’re gonna see this dramatic drop in your tax bill for most taxpayers, you’re just not going to see the significant increase that otherwise would have been there.

Brad Wooten, CPA (16:34)
Yeah, and I think for financial advisors, at least the ones that I talk to, you know, maybe we can talk about the Social Security, you know, the tax-free Social Security. So we’ll go there. But first, first a quirky thing that I just thought about the other day, and it just is an example of some of the interplay with the new bill, because there’s a lot of new stuff tied to AGI, right? A lot of these new deductions tied to AGI. That’s why they can’t be above the line deductions, reducing AGI, because then it would be a circular calculation. So there’s a lot of that. There’s a lot of, you have to have a valid social security number. So if you work with resident aliens or, I don’t work a lot with folks without valid social security numbers, but I know that there’s a lot of examples there where there’s gonna be people losing out on some of these things because they have I-10s instead of valid social security numbers. So just pay attention to that. Take a married filing joint couple who’s got some property taxes, some mortgage interest and some, let’s call it $5,000 of charitable giving. And I’m gonna round down to make it easy. Standard deduction, $30,000 in 2025, right? So let’s say they land at 31,000. So in the past, you would say, Hey, 31,000 itemized deductions beats the standard deduction, we’re gonna itemize at 31,000. But if you choose to not itemize, your standard deduction is 30, and you get this new non-itemizer charitable deduction of 2000. So now you’re at 32,000. And instead of just this very simple, do we itemize or not? Now you got to look and say, crud. Well, if itemize doesn’t beat the standard by at least 2000 and they have 2000 charitable giving, we need to flip the script on that and go back to the standard, even though itemize deductions are technically higher.

Steven Jarvis, CPA (18:09)
Yeah, Brad, that’s an interesting point. I’m glad you bring it up. Because one of the things we’ve got to remember about taxes is that taxes are so much more emotional than money in general, because almost guaranteed there’s advisors listening who think, oh, but in your example, we’re talking about a couple hundred bucks in taxes, like nobody cares. And you’re wrong. They do care. Clients care endlessly.

Brad Wooten , CPA (18:27)
Yeah, the guy making a million dollars, I guarantee you, he cares about that $200. I’ve talked to him before.

Steven Jarvis, CPA (18:32)
Especially when it’s taxes. I mean, he might have lost $200 last week out of his wallet and not cared at all. An extra $200 going to the IRS makes everybody mad, regardless of their political affiliation. I work with clients across the political spectrum. They all want to pay less in taxes personally. They just have different opinions about how much somebody else should pay. And so these things do matter. And you don’t want to be the professional in your client’s life who didn’t ask the questions and who didn’t bring up the opportunity. Because if someone else comes, geez, it’s such an easy way to lose trust of a client if someone else brings up an opportunity you never mentioned.

Brad Wooten,CPA (19:05)
Yeah, which, okay, before we go to the social security benefits, one more is, you know, okay, because you bring that up, right? so do you, there’s, we all know, right, there’s no way that you can get a dollar for dollar savings and taxes where, you know, hey, I’m going to put $4,000 in my IRA and I save $4,000. Okay, it doesn’t work that way, right? It’s always going to save you less in taxes than what you come out of pocket. Well, there’s this new scholarship granting organizations charitable tax credit.

(19:27)
And so $1,700 that you can get a dollar for dollar tax credit if you, now again, you’re giving up the $1,700 to this nonprofit charitable scholarship granting organization. But if you can give the $1,700 to someone who’s gonna scholarship a kid to a K through 12 school instead of giving it to the U.S. government, I’m researching scholarship-granting organizations because I’m gonna take. The $1,700 is coming out of my pocket. It’s just, is it gonna go to the government or is it gonna go to someone who’s gonna give a kid a scholarship to go to school? I’m giving it to the organization that’s gonna scholarship the kid, you know? So that’s a huge benefit for those. And again, $1,700 to someone making a million, two million dollars, they don’t care, but they’d rather it go there than to the US government. So you better bring that one up to them because that’s gonna be one where they’re gonna be like, you mean I could have dollar for dollar shifted my money to something I believe more in? You should have told me about that one.

Steven Jarvis, CPA (20:11)
Yeah. Yeah, absolutely. I’ve got a client who because Arizona has some provisions and has for years with charitable giving where you can get a credit for for certain types of charitable giving. What’s that? Yeah, yeah, it impacts the federal credit. But on the state level, basically, instead of paying taxes to the state government, you can pay taxes a certain or you can give that same money to certain charities. I have clients every year who they wait until the end. And then they say, OK, here’s how much I’ll give to the charity. So but we keep getting off topic here. Let’s let’s talk about tax free social security, Brad.

Brad Wooten, CPA (20:37)
Yeah, yeah, yeah. So it’s actually Social Security. So I got that email. I think I got it at 1.30 a.m. I don’t know who the Social Security Administration was sending out emails at 1.30 a.m. I think Trump tweets at 1.30 a.m. Well, not anymore, right? But, you know, I think he posted 1.30 a.m. Maybe it came from him. But yeah, I got the email and it said something about, you know, like 90 % of, you know, Social Security benefits will no longer be taxed. And then there was a lot and a lot of that. You know, I won’t get political or anything because I don’t really know. But a lot of that email could have been favorably interpreted, right? Like, okay, in practically speaking, 90 % of these social security benefits will no longer be taxed because of this completely separate deduction. But then there was a line in there that said, additionally, there’s a $6,000 deduction for seniors. And I was like, well, okay, there’s no additionally. Because they did not change the taxability. So that’s the thing here. again, I know that financial advisors get a lot of questions about Social Security. When should I take Social Security? How do I maximize my Social Security? At what age should I delay it? Should I take the money and invest it? How’s it taxed, right? So from zero all the way up to 85 % of this can be taxed, does not change at all. So the way that you calculate your taxable portion of Social Security is identical and the taxable amount of your Social Security is going to be the exact same. Now I don’t, again I don’t know enough about the political process but I read that under the type of bill they passed, right, they only needed a simple majority because of the process that they used to pass this bill. Under that type of process you cannot touch Social Security so they weren’t able to change the taxability of social security because of the process apparently. So what they did was they kind of did this, well, let’s just give old people, right, let’s give seniors a new deduction because most of them will be on social security. So at the end of the day, it’s kind of like social security is not taxed anymore. But the question you get though is, okay, you don’t have to be drawing social security to get this deduction. You can be 68, you can be delaying your social security to…what 70, 71 and still get this $6,000 deduction. And if you’re married, find a joint is 12, it’s six each. So yeah, you don’t have to be taking social security to get it. It’s not tied to social security. Your social security line item on your tax return. If you’ve got those detail oriented clients, they’re gonna look at it go, whoa, whoa, why is my social security still in this taxable column? And it’s because they didn’t change that.

Steven Jarvis, CPA (22:59)
Yeah, I appreciate you bringing that one up because when that’s one that we have to remind ourselves that our clients don’t spend as much time listening to podcasts and being on LinkedIn and the internet as all the rest of us financial professionals. So for the people paying attention, that email came out, there was this kind of like, wait a second, social security is not really going to tax free, it? And then everyone’s like, no, no, no, here’s where the confusion was. And we all moved on. But you’re still going to have a lot of clients going into the year, having only seen that one email and thinking, heck yeah, tax-free social security, because that was also a really common headline along with tax-free tips and overtime. And so just another area where there’s gonna be plenty of confusion and a great opportunity to, again, change the outcome for the client. Because if you proactively have a conversation in the fall that says, Hey, Bob and Sue, I know there’s been a lot of confusion flying around with this new tax law change. Here’s a couple of things I wanna clarify about your situation. Breaking the bad news then of, social security is still taxable, here’s what it’s gonna look like. It is much different than them being surprised by a tax bill. Because once they have the tax return in front of them and it says, hey, you owe this much or your refund is the exact same it was last year, that’s when this stronger emotion set in. And it’s a little bit harder to kind of claw that back. So we wanna stay ahead of this as often as we can.

Brad Wooten, CPA (24:08)
Yeah, yeah. mean, not related to this bill, but I just replied to a client about an hour before this podcast recording, where he looked at his tax return and goes, hey Brad, my AGI only went up by 20%, but my taxes went up by 48%. This doesn’t make any sense to me. And so, you know, he’s calculating the percentages of how much his tax went up year over year versus his AGI. And again, smart guy, understands his taxes well enough to be going through the tax return. But I mean, it’s just like, okay, hey, you’re…taxes aren’t calculated on your AGI, they’re calculated on your taxable income and your itemized deductions also went down. So taxable income went up by more than 20%. And then, oh, hey, by the way, 10,000 of that last year was long-term capital gains. And so this year it’s not long-term capital gains. So you also have, you know, same amount of income, but last year part of it was long-term capital gains, this year it’s ordinary income, that’s gonna increase your taxes too.

Brad Wooten , CPA (25:00)
So we’ll see what he replies to that, but it wasn’t adding up in his head, and so hopefully that explanation will help it add up. But it’s gonna be the same thing, right? It’s going to be the same thing with this. I thought this… It’s not what I’m seeing on my tax return. Please explain it to me.

Steven Jarvis, CPA (25:11)
Yep, and the more ahead of the game we can be on that, the better the client experience is gonna be. So, Brad, I appreciate you taking the time to have the conversation. For people listening who wanna learn more about what you’re doing, how can they find you?

Brad Wooten , CPA (25:20)
Yeah, best place to find me I would say, is LinkedIn. So Brad Wooten,CPA on LinkedIn. You can go to my website too, wootencpa.com. And we do take on new clients. We’re selective, like most people are right now. But I always say, reach out to me and I’ll let you know if I can do it or not. It’s always a no if you don’t ask, right? So you might as well ask.

Steven Jarvis, CPA (25:39)
It is definitely the truth. Well, take the time to follow Brad on LinkedIn. He’s a great follower. I’m connected with him out there. And like I said, Brad, really appreciate you being here. For everyone listening, until next time, good luck out there. And remember to tip your server, not the IRS.