Free Guide for Business-Owning Parents

The Taxsmith's Guide to Paying Your Kids

Your kids are your greatest asset — and the IRS actually agrees. Discover how business owners legally pay their children, slash their tax bill, and build generational wealth starting today.

What's inside our free guide:

✅ IRS rules decoded

✅ Audit-proof pay structures

✅ Custodial Roth IRA strategies

✅ Kids job description samples

✅ Complete step-by-step setup process

$16,100

Standard deduction per child —
potentially tax-free earned income (2026)

$3.8M+

Potential Roth IRA value at age 65
starting just $5K/year at age 12

$0

FICA taxes owed when paying
your child under 18 from a sole prop

Why you should be
paying your kids

You shift income from your highest tax bracket into your child's zero or low bracket, instantly reducing your tax bill.

Your child earns tax-free income up to the standard deduction ($16,100 in 2026) with $0 in federal income tax.

You avoid FICA taxes entirely when paying a child under 18 from a sole proprietorship, saving an additional 15.3%.

Your child unlocks the Roth IRA, earned income qualifies them for the most powerful tax-free wealth vehicle in the entire code

Your business takes a deduction for the wages paid. It's a legitimate business expense that reduces your taxable income

The Strategy Most CPAs Never Mention

Why You Should Be Paying Your Kids

The IRS tax code contains one of the most powerful wealth-building tools available to business-owning families — and most CPAs never bring it up. When you legally employ your children in your business, four things happen simultaneously:

⚒️

You shift income from your highest tax bracket into your child's zero or low bracket — instantly reducing your tax bill

⚒️

Your child earns tax-free income up to the standard deduction ($14,600 in 2025) — with $0 in federal income tax

⚒️

You avoid FICA taxes entirely when paying a child under 18 from a sole proprietorship — saving an additional 15.3%

⚒️

Your child unlocks the Roth IRA — earned income qualifies them for the most powerful tax-free wealth vehicle in the entire code

⚒️

Your business takes a deduction for the wages paid — it's a legitimate business expense that reduces your taxable income

The Compound Effect

$35,000 Today → $3.8 Million Tax-Free

Here's the math that changes families forever:

Contribute $5,000 per year to your child's Custodial Roth IRA from age 12 to 18. That's $35,000 total funded by wages they legitimately earned in your business.

At a historical 10% average annual return, that $35,000 grows into approximately $3.8 million by age 65, completely tax-free. No additional contributions needed after age 18.

Your child gets a financial foundation that most adults spend their entire lives trying to build. You get the tax deduction now. And the IRS considers every dollar of this legal and proper — when you do it right.

The complete methodology — every step, every account, every number — is inside the free guide.

What Taxsmithing Clients Are Saying

Real Families. Real Results.

"I walked in thinking I just needed filing help. I walked out realizing I'd been overpaying by tens of thousands of dollars — for years. The SparkPoint Report changed everything for our family."

— Business Owner, DFW Metro

"The Capital Apprenticeship didn't just save us on taxes — it gave our kids a real understanding of money, work, and investing. My 14-year-old has a Roth IRA now. That's something most adults can't say."

— Family of 5, Allen, Texas

"For the first time in 15 years of running a business, I actually understand my tax strategy. Not just what's happening — but y. Ryan and the Taxsmiths team made the complex feel simple."

— S Corp Owner, Oklahoma

Every Tax Season
That Passes Without a Strategy
Is Money You'll Never Get Back

The guide is free. The knowledge inside it could save you thousands this year alone. And if you want us to build the entire strategy for you — the door is open right now.