What We Actually Do
“We identify where you’re overpaying taxes — and restructure your compensation and payroll systems to stop the waste.”
Here are the service categories you offer without mentioning specific programs:
Tax-Efficient Compensation Planning
We restructure how employers pay wages, benefits, and reimbursements so they legally reduce taxable income and payroll taxes.
Payroll Tax Optimization
We identify unnecessary payroll tax exposure and engineer compliant solutions that lower employer FICA, FUTA, SUTA, and taxable wage calculations.
Employee Tax Savings Strategy
We help employees increase take-home pay through optimized compensation structures, tax-preferred benefit alignment, and smarter pay-based incentives.
Owner Tax Minimization & High-Income Planning
We evaluate owner compensation, entity structure, and retirement alignment to reduce taxable income and maximize deductible opportunities.
Federal & State Tax Incentive Identification
We uncover credits and incentives companies commonly miss — including hiring, innovation, and industry-specific tax savings — and help ensure eligibility and documentation.
Benefit Structure Tax Alignment
We analyze existing health, payroll, and benefit systems to determine where tax inefficiencies exist, then adjust plan design to improve cash flow while maintaining compliance.
Expense Classification & Deduction Timing Strategies
We help businesses properly structure reimbursable, deductible, and depreciable items to maximize allowable deductions and accelerate tax benefits.
Cash-Flow Improvement Through Tax Reallocation
We convert wasted tax outflow into usable capital by reallocating dollars trapped in inefficient payroll, benefits, or compensation systems.
Who We Serve
✔ Employers
Looking to reduce tax burden and increase savings.
✔ CPAs
Who want a compliant partner to help clients capture tax savings outside tax prep.
✔ Brokers
Who need a value-add offering without extra work.
✔ High-Income Professionals
Needing advanced tax optimization and wealth strategies.
Why It Works
Zero Risk. Fully Compliant. Measurable Results.
Everything we implement is grounded in IRS, ERISA, and ACA rules.
We only recommend strategies that create positive, immediate financial impact.
Savings for Employers | Savings for Employees | Savings for Owners
Results That Speak for Themselves
What we average:
$400–$1,000+ saved per employee annually
$10K–$40K payroll tax reduction
$50K–$200K+ owner-level tax savings
20–100% employee participation
15–40× ROI on our advisory fee
How It Works
“Our process is simple, transparent, and designed to uncover savings immediately.”
Step 1 — Tax Efficiency Analysis
We conduct a detailed review of payroll, compensation, benefits, owner wages, entity structure, and tax-related expenses to identify hidden inefficiencies and unnecessary tax outflow.
Goal: Find where you’re overpaying.
Step 2 — Compensation & Payroll Redesign
We restructure how wages, benefits, reimbursements, and incentives flow through the business to legally reduce taxable income and payroll taxes while increasing employee value and maintaining full compliance.
Goal: Build a more efficient, tax-optimized system.
Step 3 — Implementation & Compliance Alignment
We coordinate with payroll, HR, benefits, and accounting to implement the new structure correctly.
We ensure IRS, ACA, and ERISA alignment and prepare all required compliance documentation.
Goal: A smooth, accurate transition with zero disruption.
Step 4 — Capture Credits, Deductions & Incentives
We identify and help document applicable federal and state tax incentives — including hiring credits, innovation credits, and optimized deduction strategies.
Goal: Maximize immediate tax benefit.
Step 5 — Ongoing Monitoring & Optimization
We continue reviewing payroll, tax rules, and compensation structures as your company grows or tax laws change.
Goal: Ensure savings continue year after year.
About Vitality Wealth Advisors
A Different Kind of Advisory Practice
Vitality Wealth Advisors was built on a simple belief:
business owners shouldn’t be losing money to preventable tax inefficiencies.
We specialize in forward-looking tax planning, compensation engineering, and employer savings strategies that reduce waste and create lasting financial impact.