Episode Transcript

# FA Episode 5 - When a Big Exit Becomes a Big Tax Problem with Brett Swarts

Speakers: Craig Andrews, Brett Swarts, Bluesman Grendel and the Compliance Choir

[00:00 - 01:28] Craig Andrews:
You never know how much time you have. For me, that stopped being an idea and became reality on August 22nd, 2021. The doctors put me on a ventilator and told my wife to call hospice so she could prepare for the day they planned to pull the plug. Six weeks later, I woke up to an entirely different reality. I could not walk, I could not talk, I could not even lift my own arm, and I woke up realizing something else, I had not made the right preparations for my family. The plans I thought were pretty good fell through when it mattered most. That is why fiduciary alchemy welcomes voices that would have warned me about the holes in my plans. My hope is that you live a long and prosperous life, but I also hope you make better plans than I did. So tune in, take notes, and stay with us through the end when bluesman grindle and the compliance choir. Giving a word of caution. Today, I want to welcome Brett Swartz. He is the founder of Capital Games Tax Solutions. He helps high net worth entrepreneurs defer capital gains taxes on businesses, real estate and bitcoin sales. He's closed close to a billion in real estate transactions and deferred sales transactions. He helps owners learn how to keep 25% to 50% more wealth as exit through strategic tax

[01:28 - 01:32] Craig Andrews:
planning. Brett, good to speak with you again.

[01:32 - 01:42] Brett Swarts:
Great, good to see you again, and grateful to be here, thanks for having me. We've, just for the audience, you came originally on our leaders and legacies podcast, and when

[01:42 - 02:16] Craig Andrews:
I heard about what you were doing, I was like, you know what, we need you to come home to do a sugary alchemy. And I'm really excited about it. You know, as it was interesting, I was recording another episode of telling somebody, you know, mentioned in the green room, somebody I've known for a year dropped a bombshell on me. I was like, I never knew this about you. And the thing that I never knew about you is you had a basketball scholarship. And I don't know much more, but I didn't realize. That's a big deal. Tell me about it.

[02:16 - 03:24] Brett Swarts:
Yeah, six-foot white guy who could don't get one point, if you could imagine, and, you know, grew up loving basketball, and then had a chance to play in college at a private university in California called William Jessup University, and it was exciting and great. You know, I got a chance to sign this contract. It was kind of my dream to get to, you know, college at first and then to get a basketball scholarship to pay for school. But not everything always goes the way you plan it, Craig, right? Sometimes you're on a high, but you can quickly become a low because two weeks later I had a serious knee injury. So just when I thought, you know, things were going to be, you know, really cruising with my basketball scholarship and all the fun things that are happening, I'm playing in a pickup game on a Sunday afternoon. It's about 100 degrees outside, and we're in the cooler gym, but I come to a jump stop and my knee completely collapses. And I hear the pop, which people, you know, when you hear that, you kind of know it's more serious than not. But you have this optimism inside you like, well, maybe it's not as serious. And so that began the journey of going to the doctor's, of course, and I go to the doctor,

[03:24 - 04:26] Brett Swarts:
and he does that knee, you know, test. I mean, you ever see it where the person's, you know, laying back and they grab the leg and they kind of shake the knee, they kind of pull the knee away from the leg and just sense it. And I'll never forget what I'm saying. And I was happy because he was like, you know, I'm a doctor and I study sports medicine and I'm a physician and your knee's fine. You don't need surgery. I'm like, oh, well, thank you, doctor, because my dream of playing, I can be back when he goes. I'll probably take you about three or four weeks. You have a little bit of an MCL, you know, tear, but that'll, you know, you can, you can get recovered and you'll be back to play in no time, right? Because the season wasn't going to start until November-ish, right, right around there. And so I was excited and laid it, you know, relieved because I was going to let my team down. And so I go back to my coach. He says, oh, he says, I don't need to, I don't need, I don't need an MRI. I can just, you come back. And so I begin the process of PT, but I find out I had a brother who's really smart and very more, let's say, thoughtful in these type of areas, you know, less of the optimist,

[04:26 - 05:26] Brett Swarts:
you know, that I am. And he says, but, you know, just to be safe, why don't you get an MRI? Because I had a friend who the doctor said the same thing and they end up blowing their knee out and ended their career because their ACL has actually ruptured the entire time. So I went back to the doctor. He said, doctor, just to be sure, can I get an MRI? He goes, you're wasting your time, Brett. You're going to drive down there. It's a lot of money. And he goes, you don't need it, you know, you're totally fine. So he, but he goes, I'm going to write this script because you're pressing me. And so he did. And within two weeks, the MRI comes back and guess what? He calls me. And not an emotion in his voice. Hey, Brett, this is doctor and I'm thinking he's going to report back what, you know, everything's clear. He'll let you know, you have a fully ruptured ACL and you're going to need reconstructive surgery. And this is the middle of my basketball practice, my heart seeks, right, because I've been telling my coach and my teammates, I'm coming back with doctors and I'm fine, just getting the MRI just in case. And so I come back into the practice and I sit down and I go and I'm meeting with my

[05:26 - 06:13] Brett Swarts:
team afterwards. I was going to be the starting guard and all this cool stuff devastated. I remember crying because it's like this news is all hitting me all at once and devastated because I trusted the doctor and I wanted to believe that the doctor was telling me the truth, right? And he knew he was the pro and he had done sports medicine and he was this and he was, but unfortunately and fortunately, I had a brother who said something and I then I had a doctor who, you know, did call me and I did get the MRI and I ended up getting surgery and recovering and coming back and all the things, taking a medical red shirt. But that's, you know, I think this is a story of what could fit well for the podcast, you know, for new shares and those you trust, but also, you know, verify and double checking certain things so that you don't get cut off guard.

[06:13 - 06:37] Craig Andrews:
That's absolutely true. I mean, as you were talking, I was thinking about my history with doctors and one of the big things I've learned is you got to be your own advocate and you need to keep asking questions, you know, just because somebody says it's okay, it's covered. Yep. 100%. You got it. You have to ask it and it doesn't, you know, cost me maybe a couple hours of drive down

[06:37 - 07:38] Brett Swarts:
there and probably cost my insurance company whatever money and that's part of the problem with some of the health systems is it's, you know, the incentives aren't always aligned with the patient first and the costs us associated with these higher tests and MRIs and so, but I'm so glad I did and I tell this story to everyone who has an injury, no matter what the doctor says, you go get that MRI because you're going to have peace of mind because the other side of it's devastating, it's the ending of completely ending your career and you're probably never going to maybe play basketball ever again, right? If that's the case. And so fortunately I had an ACL surgery, fully recovered, I could dunk again and I ended up starting being captain of the team, it paid for school and I had an amazing outcome, it took an extra year, medical red shirt, but that gave me an opportunity to really grow and persevere through all of that and I had to do really good medical care. Oh that's cool, I was afraid it was a darker ending of the story, I love that. So I have a question, I have never been able to jump, I mean it's almost like there's

[07:38 - 08:53] Craig Andrews:
some by holding my legs down when I go to jump, you know, I can get maybe foot off the ground or something, is there some science to getting air? I mean, jeans, I mean, and not that I'm like a super high jumper, but I mean I think jeans are going to be 80% of it, right? And then of course, you know, good nutrition and good working out and we need plyometrics, I mean I think basketball since I was second and third grade and then had training, you know, really since seventh grade, I just remember lifting weights for the first time and actually doing squats on a squat rack and working at this nonstop. I mean, it's interesting, my kid's homeschool today, back in the day I was a public school kid that every moment that we had a chance to play basketball, baseball, or football, we were playing. Or we were in the gym working out, we were playing on the weekends, I mean, it was nonstop activity and kids have their structure time for sports in Jiu-Jitsu and soccer in Tabasco, but it's just not like it used to be for us and so I think that helped me a lot to stay in shape and we worked really hard, but yeah, it's not something that was, you know, without some of the genetics, but yeah, I think that's the best thing I would say on that.

[08:53 - 09:55] Craig Andrews:
All right, so there, well, and I'm old, so it's probably not much I can do to change it if I tried, but old with crappy lungs from COVID, so the decks stacked against me. Well, hey, let's talk about, so let's switch and talk about a little bit what you do indeed. You know, we always hear these stories about, you know, some of my built-up business and they got this massive exit and we always hear the pre-tax number. I rarely hear the post-tax number and one of the things, I'll say this is true with me. I don't feel like I'm doing, I don't feel like I'm doing the things I need to do to eventually sell my business at some point, but what are the things, what are the things that business owners need to do to make sure they keep as much of their money in the sale as possible and give as little to the in-tax as possible?

[09:55 - 11:15] Brett Swarts:
Yeah, there's a saying don't hate to play or hate the game, right? And so, you know, you've got to be, you've got to know the game and you've got to know the rules and you've got to know, you know, what's at stake, you know, and I think the clearer you are on those three things, the more likely you already succeed when it comes to a large exit, right? So you spent 10,000 hours building the thing, probably at least. You pour blood sweat tears into it and this is a chance for you to build momentum or to lose a lot of momentum to tax and that's the reality. Not just to tax but also the ability to have asset protection and also not just capital gains tax but also estate tax, not just estate tax and capital gains tax but also income tax. And so the most expensive thing I've heard that we're ever going to pay is the things we don't know and you know, it's going to cost us and the second thing is tax. And so you really want to know what's at stake and know that these exit events are not just singular type of expense, you know, so most people think, well I have 20% federal, I have my state, let's say California 13.3, so that's 33, then I have maybe some Obamacare, that's 3.8, so maybe I'm about, you know, 37% and they think that, okay, you know, maybe I just

[11:15 - 12:23] Brett Swarts:
want, well, no, it's way more than what's at stake, it's not just that 37%, let's say you're selling a 10 million dollar business, any of a zero basis, it's also the ongoing effect of how that money could be deferred on the income side, the asset protections from creditors, right, this is part of why we have IRAs and 401Ks because they're asset protected from creditors, not just for retirement, right, there's that added ROI there, right, that you need to be aware of, that most people just do not take into account and or they let their CPA just say, oh, I just paid a tax and part of why it's easier for the CPA, it's kind of like my, my family practitioners said, ah, you don't need an MRI, right, I mean, for whatever reason he said that, right, either he really believed it or saved him money or saved him time or whatever it might be, sometimes the CPA can be that, they can be the one that just says, ah, just pay the tax and it's much easier for you to just say that, right, I haven't heard of that, I'm not sure, and so there's some, there's some definitely, you know, some things that you need to make sure that you have a team in place that maybe knows how to do the higher level strategies, the other thing I would say is the fact that, um, yeah, just

[12:23 - 13:03] Brett Swarts:
knowing your numbers, right, so like, just like you would know your numbers to sell your business, you realize that, that's nearly 40% of your sale, like, so think about that, if you spent 10,000 hours, let's just say 40% of those hours represent 4,000 hours of your time, wouldn't it make sense to spend five hours to set up a plan to exit, to defer tax and to build wealth, of course, right, so just don't trade what you've built for just giving it away to the government when you can legally defer and build wealth and so that's what I would say on that, you know, understand your numbers, understand the game and understand what's at stake.

[13:03 - 13:51] Craig Andrews:
So what's, um, let's use a scenario that was selling a 10 million dollar business with a, um, yeah, basically zero cost, what are some of the things I should be doing? Yes, well first thing is I would say, it all depends on how you structured your business and how much time you have left before you're selling your business, so I want to give you a really low hanging fruit here if, in checking your CPA, but there's, if you are a C Corp or you can become a C Corp, um, and based upon how you could sell your asset, um, if it's a, we'll really recommend this for five, you know, 50 plus, if I had a 50 million dollar deals, you can be something called a QSBS, so look up QSBS, C Corp, which can eliminate basically 10 million dollars, I think it's even up to 15 million dollars with the new

[13:51 - 14:51] Brett Swarts:
Trump, um, tax plan that passed a few months back of your sale, tax free, right? So there's certain qualifications you have to do, it typically takes about five years to season if you do it in half the time, you could season in half the time, but that's just something that's really low hanging, now a lot of companies aren't, aren't C Corp's for a number of reasons, and so they won't qualify for this, um, so if an S Corp doesn't work with LLC, doesn't work, we just keep that in mind that that could be a low hanging fruit where you could just get some tax free money, pretty cool. So that's called the QSBS, look that up, check with your CPA. The second thing is looking at, what, what, hang on before, yeah, before we go there, so I'm an S Corp, um, and you know, a lot of, a lot of folks are, if I'm willing to take advantage of that is, I have, let's say I have a five-year time horizon, yep, is there an opportunity for me to change from S Corp to C Corp? Yeah, so what you want to do is speak with your CPA and just basically say that, hey, what are the pros and cons of switching from S Corp to a C Corp, right? I think my value in my company is going to be worth somewhere between five and fifty

[14:51 - 15:46] Brett Swarts:
million, you know, you know, those are some of the general parameters, and understanding the tax consequences, um, when you, when you make these switches and what the, what, what you need to do to qualify, you do have to follow some rules. So I would say, get with them, determine the pros and cons of that, and, and look if it outweighs, you know, if you have a large exit that you're going to, you're going to, you're going to look at this, especially if you're looking to exit and you do have another, at least another five years, I think it's certainly worth, again, kind of back to the MRI thing, right? Had I had the MRI, had you had this call with your CPA today, an hour next week and, or two hours and you do some planning and you make some shifts, wow, that can go a long way to the longevity of your wealth, right? And it doesn't, I don't think take a exorbitant amount of planning nor is it exorbitantly expensive, as long as it fits the parameters for how you're building your business. So that's what I would say on, on the QSBS.

[15:46 - 16:52] Craig Andrews:
And what, and real quick, what's the reason for the five years, is that government regulation? It's part of the rules. Yeah. So there's certain rules that you have to hit in certain seasoning, and I, that's part of it. We just follow the rules. Yeah. Okay. That's cool. By the way, don't call my CPA. Mine, mine told me I couldn't deduct mileage between offices because I'm an S-corp. So he's, I'm, I'm searching for a new CPA. That's the one I had, had retired and I kind of got dumped into this. That actually brings up a really good question. You know, I do a lot of networking. I think you know that I, I can, you know, without blanking, I can think of all sorts of like wealth managers, tax strategists that I can refer. I don't run into that main CPAs, at least not networking. And I'm kind of stuck and maybe this is a broader, where do you find the good CPAs? What are the questions you should be asking?

[16:52 - 17:58] Brett Swarts:
Great question. By the way, I wanted to say one other quick thing, this is understanding that there's this qualified industries within this piece. Yeah. So real estate, most rental activities, financial services, right? A law, consulting, brokerage, hospitality or so, you know, hospitals kind of gray areas. So not all businesses qualify. Typical eligible like tech companies, manufacturing companies, SaaS companies, product-based companies. Okay. So I just want to clarify that. It's not just everyone can just become a C-corp. So you have to really, you know, before you, you know, we all jump on that. So now the CPA, what questions should you be asking? Well, it all depends on what you're trying to build, right? And so if it, and it also depends on the specialists in which they are helping you at. So if they are a, if they are your general CPA, kind of like a general practitioner for your family, right? So you want to get your checkups, right? You want to figure out, are there any, any things that's changed in the tax laws that you can be taking advantage of? Are they, are they being proactive or are they more reactive? You know, what's your sense for how are they, are they a strategist versus a reporter?

[17:58 - 19:01] Brett Swarts:
And most CPAs, quite frankly, they're only paid to report the news, like, this is the news of what happened with Craig, this in 2025. And therefore, this is the amount that you owe. And sometimes it means hiring either a higher level CPA group, or hiring two different groups. So A, they're strategists. B, what are they really delivering? And then C, are you staying ahead of the game? I think at the end of the day, no one's going to care more about your taxes than you. So I mean, with AI and chat GPT, you could ask, hey, these are my details on my business. This is my average income. This is my marital status, my kids. This is like all of the things you could check into it and say, what are some things that I should ask my CPA in 2025, or in 2026 for 2025 tax reporting? And it'll give you the key ones, and then go to them and say, hey, what do you think about these things, you know, anything that sticks out for you, and then be willing to pay them for their time and energy to consult on those particular things. So that is my general framework on how to do that now. If you're looking to sell an asset, and of course, it's if it's large enough for some capital gains, then you're wanting to be saying, what are my options for capital gains tax?

[19:01 - 19:15] Brett Swarts:
What are some things that are available that I could work and to build my wealth? And that's where we also come in as a strategist for this for our company and work with CPAs to develop these plans. Those are the main things I would say.

[19:15 - 20:17] Craig Andrews:
Cool. All right. So what you were about to talk about a second way, it's a second strategy to save big bucks on sale. Yeah. So the strategy that we find really interesting that's really flexible for a lot of entrepreneurs is because a lot of entrepreneurs want to be entrepreneurial again. You want to build a strategy with an installment sale with a trust that allows you to do just what you want to do, which is either be retired and passive or to be active and an entrepreneur, or a little bit of both, right? I think one of the beauties of I think the new type of retirement mindset is not so much stopping working altogether. It's more can I control the pace and the rhythm of my work, right? That does keep me going, right, for a number of reasons because I enjoy it, but it's not running my entire, you know, 60s and 70s and 80s like not, you know, and I, if I still enjoy it, it's meaningful and it's purple flow and to keep going and to the extent that I can do that. Well, the beauty of a trust with an installment, so the way that we set it up is you can do both. You can partner with your grandkids or your kids. You can do your next business opportunity, kind of like a self-directed hire, all wide

[20:17 - 21:26] Craig Andrews:
deferring the tax and/or you can be passive or 50/50, and so I'll give you an example, we did an exit for a client and it's in San Diego, it was a $13 million exit. They had built a car wash business and their basis is about $4 million. We sold to further tax and the installment sales and they've been diversifying for the last couple of years where the real estate market has shifted and they, so they've been basically passive. They put a little bit of Bitcoin, a little bit of some stock, a little bit in some real estate debt positions, some discounted hotel deals that they found, all passive, but eventually they're moving to the active side of things where they're going to partner with the trust and do their entrepreneurial journey and that's the key, like entrepreneurs and business owners like ourselves, Craig, we want to be able to time investments and time business ventures rather than being put in a box and that's part of why we like the way that we install the sales with trust that we can set up, call them deferred sales trust, that you can set up on stock sales, business sales, real estate sales, including primary homes and super flexible for how you can invest in the timing of doing it all.

[21:26 - 22:38] Brett Swarts:
So on the deferred sales, how do you make sure that you get my end, and there's a little story behind that. My dad sold his business to his partner and his partner revalued the business after the transaction was done and my dad didn't get all that was promised and how do you structure that so you don't get screwed. Great question. So we have two ways that we structure that to keep upside for clients. Number one, only sell a part of the business. So like there's a lot of 60-40 deals where they sell 60% and then they keep the other 40% and they roll it over into the new co, right? So they actually maintain ownership of the new asset that is or the new business or part of the business. And so that by technicality, they already have that. The other side of what we do is we make sure, because it can also go the other way too, like let's say they, let's say you potentially, I must say if you're dead, I did this now, but carry paper for the other buyer. So the guy goes, hey, I want to buy you out to 10 million dollar company. I want to buy you out 50%, but I'll, you low mean the money. So we buy you for five million, but owe me the money and the valuation, valuation of the company goes to 25, you know, 20 million.

[22:38 - 23:42] Brett Swarts:
And so in that scenario, it was a debt position versus equity. And so in one sense, your dad was safer. I'm not saying this is how he set up and I'm just kind of playing this out of what it could have been. He is safer because even if the property value or the business went down, they still owe the five million. The flip side of that is your dad may be having to foreclose on the business and take it back, which is the worst case scenario. And so in traditional installment sales, it's, if you're not diversified and you're collateral secured against the asset, the challenge is you may have to take it back or perhaps the asset value is higher and you're like, oh gosh, I wish I would have stayed in. So you're stuck between kind of a rock and a hard place. You know, you're not controlling kind of your destiny, so the neat part of the strategy that we do with the deferred sales trust is that you can be detached from that property or that business and then you can control your destiny for the next venture. Or you can go into like Nvidia stock like one of my clients did a couple of years ago after he sold his large business and the stock went through the roof. And so in that scenario, it worked out.

[23:42 - 23:58] Brett Swarts:
So I would say that diversification is really important. I'd say liquidity is really important. And if you want to maintain additional upside, make sure you maintain actual ownership and you're not just, you're not just becoming a lender for the, for your partner, if that makes sense. That does make sense.

[23:58 - 24:04] Craig Andrews:
That's cool. What's, how about a third? What's another strategy? Yeah, another strategy.

[24:04 - 25:12] Brett Swarts:
If you're selling an asset and your valuation of your, of your net worth is above 30 million married to 15 million single, we're going to focus on eliminating that estate tax. And this is the one that people either miss and, or they kind of just kick the can because it's just overwhelming for them. So I'll give you an example. Let's just say your ultra high net worth and you've got a business or real estate worth over a, worth 130 million and you're married. So you have a 30 million exemption on that and all 130 million is inside your taxable estate. In fact, we're working with a gentleman now. He's got mobile home parks or like 40 or 50 of them, mostly in California and like it's, it's evaluation of five or $600 million. Like it's a huge estate and he's, he's, he's really contemplating like what to do here. And if he dies, the consequence is that his state will be valued. Let's say at 500 million, they'll minus 30 million for the exemption, but then they'll charge 40% death tax on that 470 million. So the stepped up basis is not solid for him. So he's looking at a, you know, know the game, $188 million tax or his kids are. And this was what caused the Miami dolphins owners not too long ago.

[25:12 - 26:15] Brett Swarts:
They had a little completely sell the franchise because mom and dad died and they couldn't afford the death tax and they, you know, they lost the legacy of owning the, the, the dolphins and that's kind of devastating. And so the answer is a either try to change the laws, which is hard for this, this government or be eliminate the estate tax by selling out of your positions or gifting it to your kids or, you know, or going or getting a bunch of life insurance. The challenge with life insurance is it's very expensive. The challenge is with, with, with gifting is you run out of kids or you run out of time and or you can give it to charity, which a lot of people are charitable, they're maybe not be a hundred percent charitable. So we have a solution that's really interesting and the reason it is is because we can eliminate the estate tax without any of the, any charity life insurance or gifting required upon a sale of an asset needs to be a sell. So, so the gentleman would have to, you know, list his $500 million worth of, of real estate, sell it while he's still alive, but he's going to sell it to her irrevocable trust and this irrevocable trust is basically going to give him like a deferred payment plan.

[26:15 - 27:28] Brett Swarts:
So the money goes into the trust. So let's say it's at Charles Schwab and it starts to pay him back over his lifetime. He'll pay some taxes. He receives it. But the key is we just removed 500 million outside the taxable estate, which means he's eliminated the $188 million of estate tax and let's say that 500 million grows to a billion dollars over 10 years. That's also outside the taxable estate. So you basically eliminated $400 million of estate tax. And so this is like the big elephant in the room. Like if you're worth more than 30 million married, 15 million single, you can ask yourself two questions. Number one, how much is inside my taxable estate and B, what is my estate tax plan? And if you don't have good answers to that or your CPA doesn't, man, I mean, stop everything you're doing and go set up a plan, build a team to execute this because the government will crush that estate and I don't know how long the $888 million will last inside of the, you know, are we up to 40 trillion yet, Craig? I don't know. You know, I don't know how long that will last inside of that, that interest machine. But it's, it's staggering to think about, right? Just how, how awful the government does with the management of the taxpayers dollars, right?

[27:28 - 27:48] Brett Swarts:
Both sides. No matter who it is, they are train wreck with spending and efficiency and the corruption is so sad and so bad. And so to us, this is more than just tax savings. This is stewardship of the wealth of America, right? And of your family and making an impact. So anyways, I keep going on that, but those are, those, that's another one I would definitely focus on as the estate tax challenge.

[27:48 - 28:28] Craig Andrews:
Yeah. It's kind of like, you know, kind of like giving money to a drunk, you know, they're not going to get their life straight. They're going to go buy more booze. And the, the booze of our government is just spending on all sorts of crazy things. And yeah, well, Brett, one, I don't know if my mind can take more that, I mean, those three strategies were pretty amazing. And give me a lot to think about, I think anybody has a business probably needs to be talking to you and making these plans sooner rather than later. How can they reach you? Yes.

[28:28 - 29:22] Brett Swarts:
Happy to help. Our minimum is a million dollar net proceeds, a million dollar gains. So make sure it stays large enough to, to, to talk with us and apply for no-cost consultation. But if you have that, we, we do, you know, promise to, to walk you through the strategies and help you to guide you to what could be the best fit for you. You can go to capitalgainstaxolutions.com. You can also pick up the book we have called building a capital gains tax exit plan. And it's kind of my, my journey from, you know, understanding next to nothing on tax and then understanding this particular part of the tax code and exits. And we have Kevin in here from Shark Tank in the book and Tony Robin CPA in the book, which is pretty cool. It's called building a capital gains tax exit plan. You can find that on Amazon or where any Amazon is the main one or just go to capitalgainstaxolutions.com That's a schedule call. That's awesome. Brett, thanks for coming on fiduciary alchemy. Thanks, Craig.

[29:22 - 30:33] Craig Andrews:
Thank you for tuning in to fiduciary alchemy. The coolest financial podcast you're likely to find. We go looking for voices like the one you just heard, because I want you to dodge the mistakes that I made and learn it without the coma, without the drama, without nearly paying the man. I don't know why I lived when so many others die, that part's still a mystery. Now some folks ask, Craig, what is it you do? Well I'm telling you now, that's no mystery at all. We solve hard marketing problems in crowded markets, so good folks like our guests can rise above the noise, become visible, memorable, irresistible, and grow like never before. If organic growth is your problem, reach out, call me, let's make a plan and bring your next steps into the light. But don't leave yet, stick around a minute more and listen to blues man grandal and the compliance choir deliver a word of caution, just for you.

[30:33 - 34:15] Bluesman Grendel and the Compliance Choir:
This podcast is for information, education, that is all. It is not financial tax or legal advice to guide your call, nothing is an offer, nothing is a buy or sell, no recommendation, no solicitation, I'm saying it plain and well. That's performance, ain't no promise of what tomorrow brings, markets turning people loose on all kinds of hopeful things, every investment carries risk, price of pork and fade away. What works for one won't fit us home, that truth is here to stay, fade away, fade away, hear to stay, yeah that's the compliance blues, Lord the compliance blues, get your own financial tax and legal help before you make your move, that's the compliance blues. Your situation's yours alone, your needs are not the same, different facts and different goals can change the whole damn game, so talk to somebody qualified before you choose your move, because the weight of every money move is your own load to hold, your own load, your own load, that's the compliance blues, Lord the compliance blues, get your own financial tax and legal help before you make your move, that's the compliance blues. Your situation's yours, Lord the compliance blues, Lord the compliance blues, Lord the compliance blues, Lord the compliance blues, Lord the compliance blues, Lord the compliance