Terra Firma

Asset Coach And Tax Strategist


As your "Personal CFO" the Asset Coach & Tax Strategy Specialists at Terra Firma Consulting develop comprehensive custom plans specific to your situation. Our plans combat the various "Economic Termites" that silently eat away at your wealth. Our interdisciplinary team of experts will guide you every step of the way – building you a solid foundation.


Create fully customized plans that reduce taxes, grow your assets, and allow you to live financially stress free. With this approach, you are able to navigate the economic situations as they come by managing strategies according to each asset’s rules.


Guide you to financial clarity and advise you on the simple steps to take in order to grow, protect, and preserve your wealth, by keeping those pesky Economic Termites at bay. Our mission is to enhance the attainment of your goals, building you a solid foundation to create a lasting legacy.

We serve individuals and businesses in all areas combating Economic Termites


Understanding the rules, the IRS has laid out for the 3 stages each asset cycles through is key to knowing how to prepare and execute a plan.  When it comes to the cash flow of those assets, we focus on how the income funnel works so we can either have cash flow or income.

Income is Taxable and Cash Flow is Plan-able


Understanding how your savings is affectted by Inflation is just as important as understanding the taxes of each asset since inflation is forced by the demands of society in your area.  Most professional focus on national averages for calculating Inflation but if you live in or plan to relocate to an area where Inflation is greater than the national average wouldn’t you want to know how to plan?


Understanding Time is vital since most professionals want you to believe time is always running out, which technically true but depending on your savings (assets) Time can be used to your advantage.  Time can be combated with understanding your flow of cash and when and which cash should be flowing.

Laws & Regulations

Understanding how the government whether local, state, or federal can make policy changes that affect you and your wealth.  Even if the changes are good for the whole, they may not be good for you.  The key here is anytime there is a government law or regulation change it will add costs to our lifestyle, many times we just don’t experiment a great affect immediately but over time and over the various areas of governing can eat away at your hard-earned savings.


This topic is probably just as broad as taxes since we can discuss personal or corporate debt and which debts are “good” debts and which are “bad” debts.  The answer is based on your situation and how you manage debt and the purpose of use.

All The Above Affect These Various Areas

√ Retirement planning
√ Tax planning/management
√ Estate planning
√ Risk management
√ Education funding
√ Investment planning
√ Employee and executive benefits
√ Businesses planning


"Terra Firma Business and Financial Consultants, LLC is a comprehensive consulting firm. Our goal is to assist our clients in determining the appropriate planning needs for today with flexibility to help determine possible exit strategies in the future. Our main goal is to educate you on the necessary strategic plans and designs that are available today to assist you in meeting your goals. We bring our expertise to inform and educate on the strategies available within the guidelines of your goals and objectives. We want to help you protect what you’ve worked so hard to earn and we are dedicated to accomplishing this goal!

All materials provided or communicated are not to be intended to be used, nor can it be used by any taxpayer for the purpose of avoiding U.S. federal, state or local tax penalties. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from their own legal and tax advisors. Terra Firma Business and Financial Consultants, LLC and its consultants and/or affiliates do not provide legal or tax advice.

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IRS CIRCULAR 230 DISCLOSURE: United States Department of Treasury Regulation Circular 230 requires that I notify you that, with respect to Federal Tax penalties only, unless expressly stated otherwise above, (1) You cannot rely on this advice for protection against Federal tax; (2) nothing contained in this message was intended or written to be used, can be used by any taxpayer, or may be relied upon for the purpose of avoiding any federal tax penalty under the Internal Revenue Code; and (3) nothing contained in this message may be relied on to support the promotion or marketing of any Federal tax transaction or matter that may be subject to Federal tax penalties. Any taxpayer may seek advice based on the taxpayer’s particular circumstances from an independent tax advisor with respect to any Federal tax transaction or matter contained in this message as it relates to Federal tax penalties."