This system helps you determine which situation applies to your S-Corp health insurance deduction — whether the deduction was missed entirely, claimed incorrectly, claimed without proper support, or simply never confirmed. The goal is not to guess. The goal is to check your setup, estimate the possible financial impact, identify what payroll items may need review, and prepare for CPA confirmation.
Why I built this — and why it took 18 years to exist
I am Rojarate. I have been an insurance broker for nearly 20 years.I spent 18 years at the point where insurance, payroll, and tax meet.
Not studying it — working in it.
Every professional finished their piece. Nobody checked how the pieces fit together.
I built this because I kept seeing the same problem in my own clients — and nobody was solving it.
Nobody told you because this issue does not sit inside one person’s job. It lives in the space between insurance, payroll, and tax.
You are not paying for information. You are paying to stop operating blind.
Consider an S-Corp owner earning approximately $240,000. Health insurance was being paid. Payroll was running. Tax returns were being filed. Everything appeared to be working correctly.
The issue was not that anyone made a mistake. The issue was that nobody had ever reviewed how payroll, insurance, and tax reporting were supposed to work together.
Most resources give you information. This one gives you a sequence. Each step does a specific job. Together they take you from not knowing to confirmed.
Before anything else you find out whether this problem is actually yours — based on your specific circumstance, your income, your premiums, and how your insurance is currently structured. No assumptions. No guessing."
Identify which of the four situations applies to you — Missed entirely. Misclaimed. Unsupported. Or unconfirmed. The system walks you through each one and tells you which situation is running in your business right now.
Put your actual number on it
Wealth Leak Calculator
Input your numbers. See your estimated annual leak in under 5 minutes. The detailed structural calculator inside the Blueprint then models your exact current vs optimized setup — annual, 5-year, and 10-year impact based on your income, not an industry average.
Walk into your CPA meeting ready
CPA Meeting Preparation Sheet
Knowing the problem is not enough if you cannot clearly communicate it to the professionals who help you implement it.
The Preparation Sheet gives you the exact questions, and language to use so your CPA knows what needs to be confirmed.
Leave the meeting knowing — not still wondering
Your CPA meeting — with everything already in hand
Most S-Corp owners never reach this step. Not because they did not care — because they never had what they needed to close the loop. With the Blueprint outputs and the Preparation Sheet in hand, the meeting becomes a confirmation process. You walk in knowing what should be in place. You walk out knowing whether it is.
Confirmation — not assumption — about your structure
You will know whether your health insurance, payroll, and tax reporting are coordinated correctly. Most S-Corp owners have never had that confirmed.
Your actual number — not an industry average
The Calculator uses your income and your structure. You see the annual leak, the 5-year total, and the 10-year total for your situation specifically.
A CPA meeting that moves toward a decision
You show up with documentation and the right language already prepared. Your CPA knows what you are asking. The conversation has a clear purpose and a clear end.
A process you run every year — not a one-time fix
As your income and structure change, you run it again. Confirmation does not become another assumption over time.
This system is a qualification and structured review process.
This system does NOT:
Replace your CPA or serve as tax advice
File anything or implement changes on your behalf
Guarantee a specific dollar amount in savings
Cover general health insurance or HSA strategy
What it does replace is the assumption that someone else already confirmed everything is coordinated.
For most S-Corp owners at this income level — that confirmation has never happened. This is how you find out.
Average annual leak at $200k + S-Corp income: -7,200
5 years unconfirmed: -$36,000
10 years unconfirmed: -$72,000
The cost nobody puts in a spreadsheet
The money can often be recovered. The years spent operating under the wrong assumption cannot.
Most owners never realize a coordination gap exists until years later. By then, the cost is not only financial. It is the time spent making decisions without confirmation. Every year this stays unconfirmed is a year you cannot buy back.
That is why this system exists.
For many owners, the possible number is larger than the cost of the system.
The ones who do not act are the ones who keep losing $7,000 a year still wondering if their CPA already handled it.
The question is not whether $1,997 is worth $7,000 back every year. The question is what it costs you every year you wait to find out.
Note before purchasing: A Google account (Gmail or Google Workspace) is required to access the Wealth Leak Calculator included in this system.
Please ensure you have a Google account before purchasing.
What you receive immediately after purchase
Core Blueprint
Structural Calculator
Payroll Setup Guide
Appendices
Corporate Resolution Template
One-page CPA Meeting Preparation Sheet
The deduction is not confirmed because you paid health insurance. It is confirmed when your insurance, payroll, and tax return treatment are aligned and reviewed by your CPA.
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