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Offering virtual CFO services....

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Offering financial advisory and consulting services for individuals and their growing businesses, so they can focus on their business.

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We offer experienced financial advisory and consulting, accounting, bookkeeping and tax services, so you can focus on everything else in your business. 

With our expertise and know-how, we'll help you save money, reduce stress, and focus on your real priorities, that of running your business.

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    I knew Steven Brewer through networking for a few years before hiring him at my business. Why in the world did I wait so long?! Steven’s office handles not only mine and my wife’s personal and business taxes, but does our payroll and bookkeeping as well, and we occasionally get great advice from them on top of everything else!


    Steven is a great CPA, but he also cares about your business and wants to see it succeed. If you want to concentrate on running your business because taxes, payroll, etc. are handled seamlessly, then hire Steven Brewer and Company. You will be happy that you did! They are business lifesavers! 

    Jeff Elder, JenPale

    We have experts in a range of industries including:

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    Large or small, stay on top of the regulations that affect your business. 

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    Individual, one-person businesses.

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    Specific service businesses such as Home Inspectors, Professional Dog Handlers and more. 

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    Medical, Investment, Attorneys-have the peace of knowing you can focus on your clients while we focus on your financials. 

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    Our financial professionals will provide the consulting that will put you in the best financial position possible while handling your accounting, payroll and entire tax portfolio, for both your business and personal accounts.

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    We provide consulting, accounting, bookkeeping and tax services to individuals, small businesses and corporate clients. Our services are tailored to the unique needs of each client. We work as part of your team, understanding your needs and what matters to you, most.

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    News a' Brewin!

    03 Aug, 2023
    If you’re a fan of home improvement shows, you know how this goes: The clients, usually a couple hoping to build, buy or renovate a home, are mostly focused on the aesthetics — the kitchen countertops, the bathroom tile, the light fixtures, the wainscoting. But, of course, there’s more to designing a home than picking the flooring or the fixtures. Without a strong foundation, sturdy walls and a dependable roof, the couple’s beautiful house won’t hold up well against the elements, age and other risk factors during the years their family lives there. Their real estate agent or contractor often has to remind them about what’s really important as they move forward. And I have to say, I get where those pros are coming from every time — because the same holds true for building a family’s financial house. (Though I’ve yet to see an entire television network devoted to designing a financial portfolio.) If you’re working with a financial adviser, you may have heard him or her refer to drawing up a “blueprint” for reaching your financial goals. And that’s an apt description. When you’re building your fiscal house, you’ll want to be sure you have a detailed plan that includes every aspect of your financial future and the methods and materials you’ll be using to help get you to your objectives. Your financial portfolio — the collection of assets you’ll use to create a safe and comfortable future — should be allocated and managed in a way that helps you weather economic downturns, market volatility, fluctuating interest rates, rising inflation, risks that come with aging and other changes in your life. Creating the blueprint for your financial house What should your financial blueprint look like? It will be different for everyone. But a secure fiscal house will have the same basic characteristics as a well-built home. A strong foundation Your most stable assets typically will form the foundation of your financial portfolio. Although no investment is without risk, these are generally assets you can count on to stay solid — and provide a reliable income — when the economy or your personal finances take a hit or feel shaky. Some examples include: Savings and certificates of deposit (CDs), which are protected by the Federal Deposit Insurance Corp. (FDIC) Government bonds, which are backed by the U.S. Department of the Treasury Fixed and fixed index annuities that are protected by a reputable insurance company. Sturdy walls The “walls” of your fiscal house should be sturdy — but because they can be repaired or rebuilt more easily than the foundation, these assets don’t have to be quite as invulnerable. Investments at this level can add value to your portfolio (by providing income, income protection and diversification), but they also may be exposed to moderate risk, so there’s some potential for growth. A few examples include: Corporate and municipal bonds Conservative dividend investments Private real estate investment trusts (REITs) A dependable roof Of course, you want your roof to hold up against whatever the elements might throw at it. But if it is damaged, you likely can fix or replace it without the whole house falling in — as long as the lower levels are built to last. The roof of your fiscal house represents the investments that carry the highest risk you can tolerate (both financially and emotionally). And they can help you grow your money for the future. These assets might include: Stocks Mutual funds Exchange-traded funds (ETFs) Variable annuities Where to start Of course, every individual and family has different needs — and every financial plan will (or should, at least) be a little bit different to accommodate those needs. But if you’re looking for a good starting point, you may want to use the “Rule of 100” to determine how your assets should be allocated when building your fiscal house. That means taking the number 100, subtracting your age and using the difference to determine the percentage of your money you want to invest in riskier assets to maximize growth. If, for instance, you’re 45 and in no rush to retire, you might feel comfortable investing 55% of your portfolio in stocks or ETFs. You’ll get the growth you’re looking for, but should you lose money in a market downturn, you’ll still have several years to recover. But if you’re closer to retirement — let’s say 65 — you may want to limit the risk in your portfolio to 35% or less. You still can benefit from some growth, but with less time to recover from a market decline, you may choose to play it a bit safer. Don’t forget ongoing maintenance Making occasional upgrades and repairs can be an important part of maintaining your home’s value. And the same holds true for your portfolio. It can be helpful to reevaluate your investments and investing strategies at least once a year to be sure your plan stays aligned with your goals. Over time, asset allocations may shift based on market performance, and you may need to rebalance your portfolio. You also may find that your tolerance for risk has changed, and a little remodeling is necessary. Or, if you realize your original design just isn’t functional for your family, you may want to seek a second opinion or go for a complete renovation. You don’t have to look hard to find an example of why it’s so critical to design and maintain your fiscal house for the long haul. Just a few short years ago, pretty much everyone’s financial portfolio was doing well thanks to an 11-year bull market. Then in March 2020, the COVID crisis rolled in and caught everyone off guard. And we all got a good reminder of how important it is to build a fiscal house that holds up against the storms we can predict — and those we can’t. Is your fiscal house move-in ready? One thing we’ve all learned from watching home improvement shows is that doing it yourself isn’t always the best way to go. Similarly, some parts of investing may be doable on your own — and even fun. And you should have plenty of input into what you want from your plan. But you’ll likely find it makes sense to work with a pro when you’re drawing up your overall financial blueprint — or making any big choices or changes. Mistakes and oversights can be costly, especially when you’re closing in on retirement. You’ll need a portfolio that’s carefully planned to keep you secure for the many years ahead. Kim Franke-Folstad contributed to this article. The appearances in Kiplinger were obtained through a PR program. The columnist received assistance from a public relations firm in preparing this piece for submission to Kiplinger.com. Kiplinger was not compensated in any way. Kurt Supe, John Culpepper and Brian Quick offer securities through cfd Investments, Inc., Registered Broker/Dealer, Member FINRA &SIPC, 2704 South Goyer Road, Kokomo, IN 46902, 765-453-9600. Kurt Supe, Andrew Drufke and Brian Quick offer advisory services through Creative Financial Designs, Inc., Registered Investment Adviser. Creative Financial Group is a separate and unaffiliated company. The CFD Companies do not provide legal or tax advice. Credit: ANDREW DRUFKE
    By Kaitlyn Lynn 26 Jul, 2023
    Summertime, and the scamming is surging. That is according to the IRS, which issued a warning Friday for taxpayers to be wary of offers promising tax refunds or to "fix" tax problems. Many of these offers center on promises of a third round of economic impact payments. The IRS said it was receiving hundreds of complaints daily — and thousands since the July 4 holiday — at its phishing@irs.gov email account. The economic impact payment scam includes an embedded URL that takes people to a phishing website to steal their personal information, the IRS said, adding that the third round of payments occurred over two years ago. The scam, which has been around since 2021, has changed over time to trick people, the IRS said. Remember: The IRS never initiates contact with taxpayers by email, text, or social media regarding a bill or tax refund. "The IRS is seeing a wave of these summer scams relentlessly pounding taxpayers," IRS Commissioner Danny Werfel said in a statement. "People are being flooded with these email and text messages, but we want them to avoid getting swept up in these terrible scams. Taxpayers should be wary; remember, don't click on links from questionable sources." The IRS also has received reports about emails urging people to "Claim your tax refund online" and text messages that the person's tax return was "banned" by the IRS. Spelling errors and awkward phrasing are one sign that these emails are a scam. In addition to the economic impact payment scheme, the most recent wave of tax scams includes: The misleading 'You may be eligible for the ERC' claim The IRS has observed a significant increase in false employee retention credit (ERC) claims, an issue that made the IRS's annual "Dirty Dozen" list earlier this year. The ERC is a pandemic-related credit for which only certain employers qualify. Taxpayers should avoid promoters who say they can quickly determine someone's eligibility without details and those who charge upfront fees or a fee based on a percentage of the ERC claimed, the IRS said. The IRS advises eligible employers who need help claiming the ERC to work with a trusted tax professional. Details about eligibility, how to properly claim the credit, and how to report promoters are available at irs.gov/erc. The 'claim your tax refund online' scheme Because taxpayers are enticed by the idea that they have possibly overlooked money owed to them, identity thieves are upping their game with email and text schemes suggesting the recipient has missed out on a tax refund. A variation hitting inboxes in recent weeks has a blue headline proclaiming that people should "Claim your tax refund online." Again, there are telltale warning signs, including misspellings and language urging people to click a link for help to "claim tax refund." ­ The text scheme offering help to address a problem In another recent scam, identity thieves send a text message with a name that tries to sound official, such as "govirs-accnnt2023." A variety of messages follow, saying that there is a problem with the recipient's tax return, but that the sender can fix the problem if the recipient clicks a link in the message. As in other scams, there are many red flags in these text messages, including misspellings and factual inaccuracies. The 'delivery service' scam at your door The IRS is also warning taxpayers to be on the lookout for a new scam letter delivered in a cardboard envelope by a delivery service. The enclosed letter includes the IRS masthead and wording that the notice is "in relation to your unclaimed refund." What to do People who receive these scams by email should send the email to phishing@irs.gov. People who become victims after clicking and entering their information should report the email at phishing@irs.gov and should file a complaint with Treasury Inspector General for Tax Administration and visit www.identitytheft.gov and www.irs.gov/identity-theft-central. Credit for this article: Martha Waggoner with the Journal of Accounting
    By Vern Eswine 16 Sep, 2019
    Fact # 1
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