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    Breathe easy. Speak to an expert for FREE.

    Tell us about your case in a confidential, no-cost consultation. Get clear answers and the guidance you need to take control of your situation. We’re here to listen and help you move forward with confidence.

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    Get your FREE Evaluation and discover your options

    Our experts will thoroughly analyze your situation and show you the best solutions. We might be able to solve your problem! Receive clear, personalized advice to help you regain your financial peace of mind.

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    Get a Clear Quote and Affordable Payments

    If you need our expert help, we’ll provide you with a detailed estimate and convenient payment options tailored to your budget

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    Remember!

    Our support doesn’t end after you get your insurance.

    We are available 365 days a year to assist you every step of the way.

    Questions and Answers
    What is Obamacare and how does it benefit me?

    Obamacare is a federal program that allows you to access affordable health insurance with government assistance. Many people qualify to pay very little or even nothing.

    What is Obamacare and how does it benefit me?

    Anyone with legal immigration status (citizen, resident, work visa, among others) can apply for a Marketplace health plan. There are exceptions for children and pregnant women

    Write to us and we will review your case at no cost.

    What do I need to apply for Obamacare?

    You will need your full name, date of birth, Social Security number (if you have one), zip code, and an estimate of your family’s annual income.

    If you have questions, one of our agents will help you step by step.

    How do I pay my monthly premium?

    There are three payment options:

    First, by creating a member account with the health insurance company and entering your preferred payment method in the payments section.
    Second, by calling the company directly to process your payment.
    Third, by providing us with your payment method and we will handle the process for you.

    What does health insurance cover?
    • Covered services include:

      • Outpatient services: medical care without the need for hospitalization, such as doctor visits and outpatient procedures.

      • Emergency services: care in cases of medical emergencies.

      • Hospitalization: hospital stays, surgeries, and intensive care.

      • Prescription drugs: coverage for a wide range of prescribed medications.

      • Laboratory services: diagnostic tests and clinical analyses.

      • Preventive services and chronic disease management: vaccines, annual check-ups, and disease management programs.

      • Coverage for pre-existing conditions: insurers cannot deny coverage or charge more due to existing medical conditions

    Do health plans cover dental and vision?

    Not completely. That’s why we offer dental and vision insurance with low premiums.

    Contact us for a quote based on your needs.

    What is accident or hospitalization insurance?

    They are two different plans that will pay you directly if you have an accident or are hospitalized, so you can cover your expenses.

    This is especially useful if you don’t have health insurance or if you want extra protection.

    What types of life insurance do you offer?

    We have term life insurance (for 10, 20, or 30 years), permanent life insurance, and options with living benefits.

    Speak with an advisor to find out which option best fits your age and goals.

    Do I need a medical exam?

    In most cases, no. There are simplified policies that are approved quickly.

    You can find out if you qualify in just a few minutes. Contact us.

    What is an IRA and why should I open one?

    An IRA is a retirement savings plan with tax benefits. It helps you build a fund for your future.

    Protect your tomorrow today. We’ll explain how to get started with no obligation.

    What is the difference between a Traditional IRA and a Roth IRA?

    The Traditional IRA allows you to deduct taxes today; the Roth IRA lets you withdraw tax-free in the future.

    Our experts will help you choose the best option for your situation.

    When does tax season start?

    Every year, from mid-January until April 15. We also handle extensions.

    Schedule your appointment on time to avoid penalties.

    What do I need to file my personal taxes?

    Identification documents, and income forms such as W2 or 1099, cash income, information about your dependents, and deductions (business expenses) if applicable.

    What happens if I don’t file my taxes on time?

    You may receive fines, accumulate interest, or lose credits and refunds. Avoid problems with the IRS!

    Can I file my taxes if I don’t have a Social Security number?

    Yes. You can file with an ITIN. We can help you apply for one if you don’t have it.

    When will I receive my refund?

    Generally, in 7 to 21 days if you file electronically and choose direct deposit.

    How can I pay less in taxes?

    With deductions for education, children, medical or business expenses.

    We explain everything during your personalized analysis appointment.

    Do you offer corporate tax services?

    Yes, we work with LLC, Corp, S Corp, and 1099. We can also help you set up a new corporation.

    What deductions can a business take?

    Operating expenses, advertising, transportation, rent, employees, among others.

    Every business is different. Our experts will guide you on a case-by-case basis.

    Do you also help with bookkeeping and payroll?

    Yes. We handle monthly bookkeeping, payroll, sales reports, and more.

    How do I know if I should file as an employee or as a business?

    It depends on how you are paid. If you receive a 1099, you can deduct expenses, but you must also report as an independent contractor.

    Review your case with one of our experts and file correctly.

    Medicare

    What is it?
    A federal health insurance program

    Who does it cover?
    People aged 65 and older, and also those under 65 with certain disabilities or serious illnesses such as end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS)

    How does it work?
    Medicare is divided into several parts

    • Part A: Hospital insurance, covering inpatient hospital care, skilled nursing facility care, hospice, and some home health care.

    • Part B: Medical insurance for doctor visits and outpatient services, including preventive care, durable medical equipment, and some home health care.

    • Part D: Prescription drug coverage, which helps pay for medications.

    • Part C (Medicare Advantage): Plans offered by private companies that combine the coverage of Parts A and B, and often include Part D as well as additional benefits like dental or vision

    Medicaid

    What is it?
    A joint federal and state program that provides health coverage to individuals and families with low income

    Who does it cover?
    Individuals and families with limited income, including children, pregnant women, people with disabilities, and low-income seniors. Eligibility and benefits can vary by state

    How does it work?
    Each state administers its own Medicaid program under federal guidelines, so covered services and eligibility requirements may differ from state to state. Medicaid often covers benefits not included in Medicare, such as long-term care and additional support services

    Obamacare (Affordable Care Act - ACA)

    What is it?
    A federal law enacted in 2010 aimed at expanding access to health insurance, reducing healthcare costs, and improving the quality of the healthcare system

    How does it work?
    The ACA established Health Insurance Marketplaces where individuals can compare and purchase private health insurance plans. The law provides income-based subsidies to help pay premiums and out-of-pocket costs

    Who does it benefit?
    People who do not qualify for Medicare or Medicaid and do not have access to health insurance through their employer

    When are corporate taxes due?

    For most corporations with a regular fiscal year, the due date is April 15. For S corporations, the deadline is March 15. An extension can be requested, but payments must not be delayed

    What forms are used to file corporate taxes?

    C corporations use Form 1120. S corporations use Form 1120-S. Partnerships use Form 1065. We can help you identify which form applies to your business

    Can I deduct my own salary as a business owner?

    Yes, if you are an owner-employee of a C corporation or S corporation and receive a reasonable salary. In sole proprietorships or partnerships, profits are reported directly without deducting a salary

    Is it better to take a salary or distributions as a business owner?

    It depends on your legal structure. In an S-Corp, it is common to take a reasonable salary and then distributions. We can help you structure this for maximum tax efficiency

    What expenses can be deducted on a business tax return?

    The most common deductions are payroll, rent, utilities, materials, software, advertising, insurance, professional fees, and depreciation

    What documents do I need to provide to start with accounting or bookkeeping services?

    You need to provide bank statements, credit card statements, income records, expense receipts, payroll, loan documents, and previous years’ tax returns

    ¿Con qué frecuencia debo actualizar mi contabilidad?

    It is recommended to do this monthly to maintain accurate records and make informed decisions

    How often should I update my accounting records?

    Cash basis accounting records income and expenses when money is actually received or paid. Accrual accounting records them when they are earned or incurred, even if the payment is made later.

    Can I deduct meals, travel, or entertainment for my business?

    Yes, but with certain restrictions. Meals and travel must be related to business activities. Entertainment is generally no longer deductible in most cases under current IRS rules

    How can accounting help my business grow?

    It allows you to have financial control, better manage cash flow, meet your tax obligations, and make strategic decisions based on real data

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