About

Exemptions Tax.com Opened March 1, 2010 offering articles to the public for their reading enjoyment, tax and insurance needs.

Allen Stewart Sr.

Tax license #A108115

Insurance license #0B69340

Agent for: Midland National

Allen is family man and believes in secure planning for his client’s future financial needs. He is committed to helping families secure their futures assisting as a licensed tax preparer and insurance agent. He has providing retirement planning and tax strategy seminars throughout the San Joaquin Valley to help educated his community.

His education and licenses in tax preparation, insurance, and annuity planning, has giving him the knowledge to develop a unique program and eBook that helps his clients to:

1. Save more money to put away for their–“golden years”,

2. Immediately lower their taxes… putting more money back into their household.

This program is directly responsible for saving his clients on average, $3265.92 in taxes every using tax exemptions.

Allen Stewart the owner of this site teamed up with a group of ghost writers to offer you articles filled with Tax-Friendly Information and Advice, Cash-Rich Opportunities and Strategies, Honest-to-God News and Stories from the people living it.

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What is The “Tax Ratio Formula”?

"Tax Ratio Formula"

"Saves Retirement Money"
"Without Cutting Into Your take Home Pay?"

Everybody knows that a tax refunds starts with having to much money in payroll taxes taken out of your check each payday right?

"The Tax Ratio Formula" is a simple financial calculation used to calculate what happens when a person gets their payroll tax withholdings adjusted so their only overpaying their taxes by $150.00 and the rest of the money from the overpayment is contributed into their retirement account.

What's interesting to me is explaining to people how this works. Many times it's hard for a person to understand how you can take the same money you're already paying out in the form of a tax overpayment and place it in your retirement account without causing yourself any kind of tax problem.

What makes this so interesting is they know I'm have licenses in good standing to prepare taxes and I'm a licensed life and annuity agent for the past 15 years.

So when I'm setting with a client and I'm explaining how this all works it's still makes me wonder how they could think I would give them bad information and put myself at risk.

What A Tax Refund Really Means

A tax refund is a white hot sign pointing out the fact an over-payment of a tax liability was made and money plus interest was lost needlessly.

Your personal tax preparer and annuity agent can verify my statement if you do not believe me and please tell your friends on Facebook and Google about us after they tell you this is rock solid advice.

Get your personal numbers so you can see how much more money you have available when you apply the formula to your tax refund.

Here's The Formula

First add your tax brackets together state and federal.

Next subtract your total tax percentage (which is your federal and state tax brackets added together) from 100%.

Exp. 100%- 36% = 64%

Next Divide 100 by the amount left over.

Exp. 100 ÷ 64% = 1.56

Multiply 1.56 by the amount of your tax refund. This is the estimated amount you can demand back in your hands.

Exp. $3,500.00 ( Last Years Tax Return amount ) Multiplied by1.56 (Your Tax Ratio)=
$5,460.00 available to go into your retirement plan.

The formula is applied to all your paychecks throughout the year and not at the end of the year. The formula figures out what your payroll tax withholding can be when taken from taxes and placed into a retirement account .

This is an estimate of how much the withholdings can be after being contribute into a retirement account… and before interest is gained or any annuity bonuses are added"

We Can Demand your payroll department to... put your "Payroll Tax Dollars" Into your retirement account.

Why would anyone with a retirement plan not want to learn how to Change their payroll tax withholding into a monthly contribution to their retirement account Especially when...

This money gets contributed while maintaining a persons current take home income, meaning there is no changes to the persons lifestyle or cut backs to the things this person likes to spend money on every month after saving a truck load of cash!

Why would anyone not want to see how to change their "Cash Going Down the Drain" payroll tax withholding to a "Money Rich Stock Pile of Cash" in their retirement account?!

Payroll tax withholdings when contributed into a retirement plan will also increase a persons deductible allowances giving them a tax write-off which lowers their taxable income.

So they pay less taxes every year and have more cash in their hands during the year... why would anyone not want to save money so easily?

Why given the chance would anyone not use the cash to start a retirement plan if they don't have one... and they don't have the extra cash to start saving without this method.

Wouldn't having more retirement money mean even more freedom, financial peace of mind, and security for anyone during retirement?!

For the people interested in removing this tax advantage blind spot...

It's easy to apply the formula... anyone with a retirement plan can use this formula-- you can too and you can see how too today... FREE

We tracked the average money gain of teachers whom attended our on campus seminars then added payroll tax withholding dollars to their 403(b) contribution.

Their average gain rounds off at $3,500.00 additional dollars added to their savings per year / per person.

And it came from their payroll tax overpayments and did not lowering their monthly pay. The same strategy is used with a 401(k) or IRA too.

Why the formula shows an increase to your refund after being applied

Changing your payroll tax withholdings to monthly contribution has a double digit affect on your money.

The formula is nothing more then a fast and simple way too bring this affect to the light so you can see the money you are losing quickly.

Your withholdings when used as a contribution now becomes a tax write-off.

A Dollar-Per-Dollar tax write-off which means you owe less taxes because you have less taxable income as demonstrated in our video that goes with this explanation.

The formula is the ballpark calculation showing the possible additional money you'll gain when the adjustments are made to your W-4 which gives you the extra cash you see in the calculation. And it's part of this extra money which can provide you a raise too.

Are You still Paying Your Payroll Tax Liability Without Any Benefit to Yourself?

It's causing unbelievable devastation to your future interest gains and comfort... Retirement money and retirement lifestyle... And to your financial peace of mind during your retirement years when all the money you have to live on comes from what you have saved.

Remember during retirement you will be living off of the savings you were able to accumulate while you were working. Unless you go back to work after you retire.

Use the results of the tax ratio formula to create a strategy now to save more money now for your peace of mind and financial security latter!

If you're ready to stop making the over-payment we can help.

Fill out the form in the column to your right at the top of this page to watch the video of how wickedly effective the additional dollars are towards your financial comfort during your retirement years, plus you'll receive our special bonus gifts.

Take control your payroll taxes, to increase your retirement nest egg.

Receive interest on your payroll taxes dollars and lower your taxable income, add extra money to your savings and more money for living on during retirement, stop over-paying taxes and use payroll tax dollars to to save money so you do not change your take home pay when you save.

Watch the video

"Utilizing Tax Advantages
To Create Financial Security"

The demonstration we do for teachers on school campuses in California.

Get your Free Complete "Paycheck Analysis" a $125.00 value, which shows you personally the money you have available and how to access it.

--- This is a limited time offer---

Enter your name and Email address below to receive our newsletter, gain access to the video, plus get your FREE Personal Paycheck Analysis.

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Welcome

"Exemptions Tax.com" Is here to serve you.

We believe in paying taxes... moreover; we believe in everyone paying their exact amount of taxes.

Which means... you'll not overpay taxes... we'll make sure you have more money in hand throughout the year... maybe for a long awaited vacation.

We truly strive in giving all our customers more spendable income in hand to use throughout the tax year to pay for living expenses.

You'll love getting every deduction and exemption you're entitled too, along with the friendly caring service you expect.

When your tax return is under our care...

...it's getting over 15 years of tax preparation accuracy... and excellence in finding all of your deductions... earned trust... and rock solid confidentiality... combined experience of more then 120 years... and our special knowledge of insurance and retirement plans which lower your taxable income by thousands of dollars.

This is the way we believe in doing business... which has given peace of mind to our customers throughout these many years.

Filing your return couldn't be much easier for you with office locations in Fresno, Clovis, Madera, Dos Palos, and Merced to walk into, and mail in, fax in, or E-mail in your information if this would be more convenient.

Then pick it up when it's ready or have us mail it back to you, whichever you choose. Our office staff are all state licensed Professionals with flawless records.

Short on cash?

Come in anyway... you can have the payment taken from your income tax return check plus, we also accept personal checks.

Prices are affordable... after all it wouldn't be right for us to take the money we said we were getting for you.

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