Omar Garcia Tax Strategy

Omar Garcia Tax Strategy 🟣 Webinar: Keep More of Every Commission
📅 Sept 25, 2026 | 11 AM Central
🕑 about 30 min

Today at 11 AM Central. Bring the money decision you've been putting off.For an insurance producer, that might be a prop...
09/25/2026

Today at 11 AM Central. Bring the money decision you've been putting off.

For an insurance producer, that might be a property, a retirement contribution or cash for the agency's next move. The goal matters before the tax strategy does.

You need numbers that show what the business can support, not just a deduction that looks impressive on paper.

In Keep More of Every Commission, you'll run your Tax Risk Score live in the first ten minutes. Then we'll work through the decisions behind funding the next asset and the order for making them. About 30 minutes, for producers doing $150K+.

Bring the property or contribution you've been circling. You don't need to have the answer before you arrive.

Register here to receive the join link: https://us02web.zoom.us/webinar/register/2217894190638/WN_Oxg8xk1gSReQztv4GIWEPQ

Your agency's next money decision has more options than yes or no.Proceed when the case is clear and the business can su...
09/25/2026

Your agency's next money decision has more options than yes or no.

Proceed when the case is clear and the business can support it. Pause when a necessary condition is missing. Test when a smaller commitment can answer the question. Get more evidence when the numbers aren't reliable enough.

A lead budget may need a test. An owner draw needs a look at available cash. An entity change needs records before a recommendation.

The next step should fit what you know, not how quickly you can give an answer.

Which of those four fits the decision on your desk?

Going deeper on this today, 11 AM Central. Link in the comments.

"I need a tax strategy" tells me you're concerned. It doesn't tell me which decision your agency needs to make.Owner pay...
09/25/2026

"I need a tax strategy" tells me you're concerned. It doesn't tell me which decision your agency needs to make.

Owner pay? A retirement contribution? Support staff? A lead purchase? Write down the result you want, the cash involved, the timing and the alternatives.

Then identify the missing answer. The cost? The rule? The cash available? Whether the idea solves the real problem?

Not knowing yet isn't a failure. Naming what you need to learn is how you make the decision useful.

Which part of your current decision still needs an answer?

Going deeper on this today, 11 AM Central. Link in the comments.

Same conference. Same tax strategy. Three producers who should make different decisions.One needs cash for a hire. Anoth...
09/25/2026

Same conference. Same tax strategy. Three producers who should make different decisions.

One needs cash for a hire. Another is planning for retirement. The third needs cleaner records before deciding anything.

The presentation didn't change. The job their money needs to do did.

Before a recommendation becomes a move, ask four questions: what's the goal, what's in the way, what else could the money do, and what has to happen first?

A good strategy still has to fit the agency using it.

What should an advisor understand about your agency before recommending your next move?

Tomorrow at 11 AM Central. October is a week away.A strong year can still end with the same unfinished plan. The agency ...
09/24/2026

Tomorrow at 11 AM Central. October is a week away.

A strong year can still end with the same unfinished plan. The agency gets busy, the tax decision from March stays on the list, and November arrives before anyone acts. Then comes the bill and the promise: not again.

The change isn't becoming a tax expert. It's getting someone to look before the calendar fills and knowing which decisions need attention before AEP.

Tomorrow, I'll spend about 30 minutes on that with producers doing $150K+. You'll run your Tax Risk Score live in the first ten minutes to see your 2026 exposure. Then we'll separate October deadlines from December ones and work through the order.

Bring the hire, contribution or timing question you've been putting off.

Register here: https://us02web.zoom.us/webinar/register/5017894190596/WN_Oxg8xk1gSReQztv4GIWEPQ

If everything in your agency is urgent, you still haven't chosen what comes first.Try three columns. First: work that bl...
09/24/2026

If everything in your agency is urgent, you still haven't chosen what comes first.

Try three columns. First: work that blocks another decision or has a real deadline. Next: work that becomes useful once that is settled. Not Yet: a good idea that doesn't have the cash, information or capacity it needs today.

Thirty priorities give you a crowded list. Three priorities, each with an owner and a warning sign to watch, give you something to run.

Unclear numbers often belong in First. The property may belong in Not Yet. Waiting for the right conditions is not the same as avoiding the decision.

What belongs in your Not Yet column?

Going deeper on this Friday 9/25, 11 AM Central. Link in the comments.

Before you pay next year's E&O, dues or conference costs early, ask: would the agency buy it anyway?If not, the deductio...
09/24/2026

Before you pay next year's E&O, dues or conference costs early, ask: would the agency buy it anyway?

If not, the deduction has started choosing for you.

If yes, compare the benefit of paying early with the cash you give up now. Your accounting method, coverage period and prepayment rules affect the deduction's timing. The same cash might have a more important job in Q1.

Spending more to save tax is not a business reason on its own. Start with whether the expense is worth buying.

Which expense are you considering moving forward, and what makes it worth doing?

Going deeper on this Friday 9/25, 11 AM Central. Link in the comments.

Two days until Friday. One more producer story.The producer who described his $40,000 IRS check also told me: "I have no...
09/23/2026

Two days until Friday. One more producer story.

The producer who described his $40,000 IRS check also told me: "I have no interest in taxes at all, nor in the books, nor in the bookkeeping side of things."

He wanted to sell, sleep at night, and pay for college.

He didn't need to become interested in bookkeeping. He already had a CPA. He needed someone whose job was to look before December. Without that, the bill arrived and he made the same promise: not again.

Friday, Sep 25, 11 AM Central, about 30 minutes, for producers doing $150K+. Run your Tax Risk Score live in the first ten minutes and see your exposure for 2026. Then I'll walk through three real producer decisions and the order I use, so "not again" has a plan behind it.

Bring the decision you've been carrying.

Register here: https://us02web.zoom.us/webinar/register/9817894190553/WN_Oxg8xk1gSReQztv4GIWEPQ

Your tax bracket isn't the same number as your effective rate. They answer different questions.The bracket describes the...
09/23/2026

Your tax bracket isn't the same number as your effective rate. They answer different questions.

The bracket describes the rate on your next taxable dollar. The effective rate compares tax paid with income, using a consistent definition. One producer's effective rate went from 17.6% to 11.4% on about $128K of income without changing his bracket.

Compare your own years using the same definition. Then ask what changed: income, deductions, entity, or credits. Another producer's rate isn't automatically the target for your life.

Do you know your effective rate from last year without looking it up?

Going deeper on this Friday 9/25, 11 AM Central. Link in the comments.

Medicare producers: October 15 belongs to two calendars.Annual enrollment opens. For most people who requested an extens...
09/23/2026

Medicare producers: October 15 belongs to two calendars.

Annual enrollment opens. For most people who requested an extension, it's also the deadline for the 2025 personal return. The filing extension didn't extend the April payment deadline, so unpaid tax may already be accruing interest and penalties.

A producer told me, "During AEP I was doing all these applications. I didn't have time to do any filing." That's the collision to avoid.

Settle the document handoff now. Name the missing items and who closes each one. A reminder doesn't finish a task nobody owns.

Which unfinished filing item needs an owner before the 15th?

Going deeper on this Friday 9/25, 11 AM Central. Link in the comments.

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78526

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