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.
Inside: IRS rules decoded · audit-proof pay structures · Custodial Roth IRA strategies · job description templates · 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
A Message From Ryan Otto, Founder of Taxsmithing
Why This Strategy Changes Everything
for Business-Owning Families
In this short video, I'll walk you through the core concept behind paying your kids, why the IRS a
ctually encourages it, and how the free guide gives you the complete playbook to do it right.
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 ($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 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
Beyond the Guide — Done-For-You
The Capital Apprenticeship™
The free guide gives you the knowledge. The Capital Apprenticeship gives you the done-for-you execution — a custom-built strategy designed by The Taxsmiths specifically for your family, your business, and your goals.
Most CPAs will nod and say "yeah, you can pay your kids." Almost none will build the infrastructure to make it work, keep it compliant, and turn it into a real wealth-building engine. That's what separates Taxsmithing from everything else.
⚒️
Custom job descriptions and pay structures for YOUR kids, YOUR business
⚒️
Custom job descriptions and pay structures for YOUR kids, YOUR business
⚒️
Reasonable compensation analysis that's IRS-defensible and audit-ready
⚒️
Reasonable compensation analysis that's IRS-defensible and audit-ready
⚒️
Entity structuring review — including the Family Management Company strategy for S Corps
⚒️
Entity structuring review — including the Family Management Company strategy for S Corps
⚒️
Complete account setup guidance: banking, payroll, and Custodial Roth IRA
⚒️
Complete account setup guidance: banking, payroll, and Custodial Roth IRA
⚒️
Income split framework: spending, saving, investing — tailored to your family's values
⚒️
Income split framework: spending, saving, investing — tailored to your family's values
⚒️
Ongoing compliance support so you never second-guess a thing
⚒️
Ongoing compliance support so you never second-guess a thing
"For a lot of families, the Capital Apprenticeship becomes the foundation of something much bigger — it's not just tax savings, it's a complete shift in how your family thinks about money."
⚒️🔥⚔️
Last Call — The Forge Is Hot
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.
We do not fear the tax system. We do not bow for it.
We master it. We shape it. We forge through it.
Ready to skip the guide and go straight to the strategy?
A service of Accent Financial Services · Allen, Texas
© 2026 Accent Financial Services. All rights reserved.
Taxsmithing™, The SparkPoint Report™, The Living Blueprint™, and The Capital Apprenticeship™ are trademarks of Accent Financial Services.