🛡️ Tax Planning & Tax Reduction Services

Reduce Taxes. Protect Wealth. Build with Strategy.

At The C & R Group, LLC, we don’t just prepare taxes—we design strategies to legally and permanently reduce them. Our veteran-led firm leverages over 40 distinct tax-saving strategies to help individuals, professionals, and business owners keep more of what they earn, while building sustainable, tax-efficient wealth.

Led by Dr. Jose Gustavo Cardenas, a retired U.S. Army Finance Officer and tax strategist, we bring military discipline, precision, and long-term thinking to your tax plan—so you can stop overpaying and start maximizing.

💼 What We Do

• Comprehensive Tax Strategy Review
  Every plan starts with a deep-dive analysis of your income, deductions, business entities, assets, and future goals. We evaluate your situation using our proven 40-strategy tax framework, identifying exactly where you're losing money—and how to stop it.
• Entity Optimization & Income Structuring
  Whether you're operating as a sole proprietor, LLC, S-Corp, or partnership, we’ll restructure your business or investment model to reduce self-employment tax, shift income to lower brackets, and take advantage of overlooked credits.
• Tax-Integrated Financial Planning
  Your tax plan is only effective when aligned with retirement, insurance, and estate strategies. We build plans that integrate IULs, annuities, Roth IRAs, and more—all tailored to your lifestyle and risk tolerance.
• Implementation & Monitoring
  We don’t just hand you a binder—we stay with you. Our premium clients receive year-round guidance, quarterly reviews, and implementation assistance to ensure that every strategy is in motion and fully compliant.
• IRS Defense & Audit Preparedness
  We reduce audit risk through accurate structuring, documentation coaching, and defensible tax positions—all rooted in legal code and professional due diligence.

⚙️ Examples of the 40+ Strategies We Implement

• Income shifting through family employment
• S-Corp election and reasonable salary balancing
• Augusta Rule (Section 280A) utilization
• 105 medical reimbursement plans
• Accelerated depreciation on real estate & equipment
• Charitable remainder trusts & donor-advised funds
• Roth conversion optimization
• IUL as a tax-free retirement income engine
• Executive bonus plans for small business owners
• Deductible fringe benefit stacking
• …and over 30 more powerful, IRS-compliant strategies

🎯 Who We Serve

• Small Business Owners
• Medical Professionals & Private Practice Operators
• Real Estate Investors & Developers
• Retired Military & Veterans with layered income
• High-Earning W-2 Professionals with investment assets
• Self-Employed Entrepreneurs

🚀 Why Strategic Tax Planning Matters

Most people overpay taxes year after year—not because they have to, but because no one has ever shown them a better way. At The C & R Group, we don’t believe in generic advice. We build battle-ready strategies tailored to your unique situation—designed to save tens of thousands over time.

✅ Legally reduce or eliminate your tax liability
✅ Reinvest those savings into wealth-building vehicles
✅ Stop dreading tax season
✅ Gain clarity, control, and confidence

📞 Book Your Tax Strategy Session Today
Discover how much you're currently losing to unnecessary taxes—and what you can do about it. Your mission to protect your wealth starts here.