TRS Family Office

Home
United States
Stillwater, MN
TRS Family Office

Retirement Peace of
Mind Includes, Guaranteed Income for Life, and Diversifying Your Tax Liability

Unfortunately most people spend more time planning a vacation than they do planning their retirement, and your retirement is a lifetime of vacations... Spend some time checking out the video on our website, it will give you some great details on how a tax free retirement compares to your typical plan. Also some eye opening short videos on 401k & IRA fees on this page for you to take a look at.

09/29/2026

The fourth quarter begins in two days.

Many business owners won’t think about year-end tax planning until November or December. By then, time is limited, and some strategies become harder to evaluate and implement.

Starting before Q4 gives you a full quarter to:

✅ Complete a financial diagnostic
✅ Compare income and expense strategies
✅ Review compensation and distributions
✅ Evaluate retirement contributions and liquidity
✅ Determine whether your entity structure fits
✅ Identify gaps between your tax, legal, retirement, and business strategies
✅ Implement changes thoughtfully, not frantically

Starting early provides more than time. Your entity structure affects compensation and taxes. Retirement decisions affect liquidity. A strategy that appears beneficial in one area can create an unintended problem elsewhere.

Some strategies require analysis, documentation, and coordination before they can be implemented. Waiting until December can mean missing an opportunity with too little time left to act.

Fourth-quarter planning should begin before the fourth quarter does.

🎓Learn more at TRSFamilyOffice.com.

09/24/2026

You built a business that supports your family, your employees, and your community. That’s an incredible accomplishment.

But here’s something many successful business owners don’t consider until it becomes a problem: Your biggest asset may also be your greatest concentration of risk.

When most of your wealth is tied to your business, nearly everything depends on it, including your income, tax exposure, retirement, and family legacy. One difficult year, regulatory change, or missed planning opportunity can have consequences far beyond the business itself.

As we approach Q4, these are important questions to address:
→ Is your business structured to minimize unnecessary tax exposure?
→ Is your compensation & distribution strategy appropriate before 12/31?
→ Is your retirement strategy tax-efficient while preserving enough liquidity?
→ Are you giving up access to capital simply to defer taxes?
→ Are you creating an even bigger tax problem in retirement?
→ Are there any other changes this year that should be addressed before year-end?
→ Are your business and personal financial strategies working together?

Tax deferral can be valuable, but saving taxes should not automatically require locking away capital that could otherwise support business expansion, unexpected needs, or new investment opportunities.

The right strategy should balance tax efficiency, retirement security, and access to capital.

These decisions extend beyond any one area of expertise. They require a coordinated team working alongside your CPA and looking at the complete picture.

That’s what we do at TRS Family Office. And year-end is when many of these planning opportunities must be addressed.

📖 Learn more: https://loom.ly/5vVIbNI

09/22/2026

I sat down with a business owner, let’s call him James.

James had done well. Great revenue. Solid group of advisors. A CPA he’d used for years, a financial advisor managing his investments, and an attorney who had established his LLC.

But when we completed a full diagnostic of his financial picture, we uncovered something that made his stomach drop.
James had been paying substantially more in taxes than necessary.

The problem wasn’t that any of his advisors lacked expertise. Each was working from only one part of the picture. No one was reviewing how his entity structure, compensation, investments, retirement strategy, and legal planning worked together, or where a decision in one area created consequences in another.

Every year, James left money on the table, not because any one advisor was bad, but because nobody was connecting the dots.

That is the cost of siloed advice. It isn’t theoretical. It shows up in real dollars.

The fourth quarter is when these gaps need to be identified, while there is still time to act before December 31.

If this sounds familiar, I wrote a book about a different approach: The Virtual Family Office Advantage.

📖 Get your copy at TRSFamilyOffice.com.

09/18/2026

In 1882, John D. Rockefeller created one of America’s first family offices.

His idea was simple but revolutionary: building a successful business was only part of the challenge. Protecting what he had built, continuing to grow it, and carrying it forward required more than a collection of advisors working independently.

Rockefeller brought the different areas of his business and financial life into one coordinated structure. Investments, taxes, legal planning, risk management, and estate planning were all considered together.

For generations, that level of coordinated planning was largely reserved for America’s wealthiest families.

Not anymore.

The Virtual Family Office brings that same principle to today’s business owners: one coordinated team, one integrated strategy, and proactive planning across every area of their financial lives.

You don’t need Rockefeller’s fortune to benefit from Rockefeller’s approach.

As we approach the fourth quarter, TRS Family Office is helping clients review decisions involving taxes, retirement, liquidity, business growth, and legacy before the year ends.

Because when those decisions are made independently, important opportunities can fall through the cracks.
Curious what this looks like?

I wrote The Virtual Family Office Advantage to show business owners how coordinated, team-based planning can help them protect what they’ve built and prepare for what comes next.

📖 Learn more and get your copy at TRSFamilyOffice.com.

09/11/2026

Remembering and Honoring this day through acts of service. 🙏☝

#911

09/08/2026

Your CPA is great at what they do.

They prepare your returns, keep you compliant, and accurately report what has already happened.

But here’s the question: Who is looking at this year and the next 12 months to identify opportunities and help you act before important planning windows close?

That’s the difference between your Tax History and your Tax Strategy.

Your Tax History is focused on compliance, accurately reporting what has already happened.

Your Tax Strategy is forward-looking, proactively coordinating your income, deductions, retirement strategies, entity structure, and business decisions to legally reduce unnecessary tax exposure.

Most business owners have someone documenting their tax history. Far fewer have a coordinated team planning what comes next.

That’s where the Virtual Family Office comes in. We work alongside your CPA and coordinate the appropriate tax, legal, wealth, risk, and business specialists around one strategy.

With Q4 approaching, now is the time to identify opportunities before December 31.

📖 Learn more: https://loom.ly/5vVIbNI

📖 https://loom.ly/5vVIbNI

09/04/2026

Labor Day was created to honor the American worker. For business owners, it means something more.

It's the reminder of every early morning, every hard decision, and every risk it took to build something worth protecting.

At TRS Family Office, we see the work behind the work — the planning, the coordination, and the quiet discipline it takes to grow a business into a legacy. This Labor Day, we honor everyone whose hard work has built our businesses, strengthened our communities, supported our families, and created opportunities for others.

Wishing you a restful, well-earned holiday.

09/03/2026

Here's something most business owners don't realize until it's too late: The biggest tax savings opportunities of the year expire on December 31st.

Not April 15th. Not when you file. December 31st.

By the time you sit down with your CPA in the spring, the window has already closed. They're looking backward — tallying up what happened. But the real savings? Those happen when someone is looking forward.

That's the difference between tax compliance and tax planning.

Compliance is about last year. Planning is about this year — and next year.

📽️ In this video, Dale Montgomery breaks down the important distinction between tax deferral and tax free and what that can mean in your retirement. CLICK below to watch, and make sure to TURN UP the volume. 🔊

At TRS Family Office, Q4 is when we roll up our sleeves with our clients. We review the full picture — income, expenses, investments, business structure, and find every opportunity before the clock runs out.

Don't wait until spring to wish you'd planned in fall.
📖 https://loom.ly/5vVIbNI

09/01/2026

The fourth quarter will be here before you know it. And, this is the time of year when effective year-end tax mitigation begins—while there is still time to make decisions that influence this year’s outcome.

📝 Here are some pivotal questions worth answering before December 31:

→ Is your business properly structured for its current revenue and profitability?

→ Is your compensation and distribution strategy tax-efficient?

→ Does your retirement strategy balance tax efficiency with access to capital?

→ Are today’s tax deferrals creating a larger tax liability in retirement?

→ Are there purchases, investments, or charitable contributions that should be completed before December 31?

→ Are you purchasing equipment or reinvesting in your business because it advances your goals, or simply to lower your tax bill?

→ Are your business and personal financial strategies working together?

That is where TRS Family Office shines. 🌟

Fourth-quarter planning is your opportunity to mitigate taxes, protect liquidity, and make great decisions before the year closes.

We work with your CPA to ensure every advanced legal tax mitigation strategy available for your situation is explored and implemented.

Visit TRSFamilyOffice.com to learn more.

08/31/2026

When a surgeon named Marcus sat across from me, he was genuinely worried.

"I can handle any challenge in the OR," he said. Then he paused and looked down at his hands — the same hands that generated over $1.5 million a year. "But if these hands stop working…"

Marcus had conquered every professional challenge. But success itself had become his greatest risk. And the scariest part? His traditional advisors — each working in their own silo — hadn't flagged any of it.

That's the problem with blind spots. You don't know what you don't know.

Most business owners face risks in three categories:

🔹 Operational (what could halt your business tomorrow?)
🔹 Strategic (what's structurally outdated or missing?)
🔹 Personal & Family (what would happen to your loved ones?)

The Virtual Family Office starts with a Client Situation Diagnostic that maps all three (among many other areas) — before recommending anything. Because you can't protect what you can't see. 📖 https://loom.ly/5vVIbNI

Address

Stillwater, MN
55082

Telephone

+16512488042

Website

http://www.trsfamilyoffice.com/

Alerts

Be the first to know and let us send you an email when TRS Family Office posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed accountant in Stillwater?