Phase one
Tax Flow for Contractors
Plan the tax before it's due.
- Build a tax plan for the year
- Set up the 25/10/65 accounts and your 20–25% tax set-aside
- Put quarterly estimates on the calendar
- Get your books to the point where they answer questions
The program
Twelve months. Three workbooks. One rhythm.
A 12-month coaching program from Padgett & Padgett, PLLC, built around Steve's three books and one weekly habit. You learn your numbers, plan your taxes before they're due, and pay yourself on purpose.
You know how to work your business, but you don't know how your business works.
Tax Flow is about the second half of that sentence. Over twelve months you learn how the money moves through your business, and you build a weekly habit that keeps you watching it.
Three workbook phases
One book per phase.
Each phase works through one of Steve's published books. You do the exercises with your own numbers, and the sessions turn them into decisions.
Phase two
Pay Flow for Contractors
Pay yourself on purpose.
- Decide what you pay yourself, and when
- Learn what each job really costs
- Price so the business keeps what it earns
Phase three
Deduction Flow for Contractors
Recover what the business spends.
- Understand common deductions for contractors
- Keep records that back them up
- Build deductions into your tax plan
The flow
Pay. Cost. Price. Recover. Measure. Improve.
Six steps you'll come back to all year. The workbooks teach them; Tax Flow Friday keeps them moving.
Pay
Pay your taxes and yourself on a plan, not on a guess.
Cost
Know what each job really costs, overhead included.
Price
Bid so the job covers the real cost of running the business.
Recover
Document legitimate deductions so the business recovers what it spends.
Measure
Check your numbers every Friday.
Improve
Fix one thing a week, then check it next Friday.
What's included
What you get for the year
- Weekly Tax Flow emailEvery week, on both paid levels.
- Analysis and review of your numbersOn both paid levels.
- Weekly video or weekly ZoomA weekly video walkthrough on Tax Flow Friday, or a weekly 30-minute Zoom with Steve's team on Tax Flow Friday Live.
- Annual tax return preparationIncluded in both paid levels when you complete the 12-month term, prepared by Padgett & Padgett, PLLC.
- Three workbooksThe program is built on Steve's three books: Tax Flow, Pay Flow and Deduction Flow for Contractors.
- Your tax planBuilt together in the first phase and revisited as you go.
- The Tax Flow Friday scorecardThe weekly checklist, ready to print and fill in.
- The free Skool communityOpen to everyone, paid or not. See pricing.
Investment
Three ways in
Start free, or pick a paid level. Pricing depends on the size and complexity of your business. Larger contractors get a custom quote on the call.
Free
Tax Flow for Contractors community
Free
On Skool
- The Tax Flow for Contractors community on Skool
- Learn the method alongside other contractors
Paid level
Tax Flow Friday
Starting at
$650/month
- Weekly Tax Flow email
- Analysis and review of your numbers
- A weekly video walkthrough
- Annual tax return preparation included with a full 12-month term
Paid level · weekly Zoom
Tax Flow Friday Live
Starting at
$1,150/month
- Everything in Tax Flow Friday, plus:
- A weekly 30-minute Zoom with Steve's team, instead of the videos
- Annual tax return preparation included with a full 12-month term
Paid levels are a 12-month program, billed monthly. Annual tax return preparation is included when you complete the 12 months. If you cancel early, tax preparation isn't included. Cancel anytime with 30 days' notice.
Not sure which level fits? We'll go over it on the call. No cost and no obligation.
Fit
Who it's for, and who it isn't
A good fit if
- You own a contracting business: electrician, builder, landscaper, handyman or another trade.
- You're busy and profitable on paper, but taxes still show up as a surprise.
- You'll spend 15–20 minutes every Friday on your numbers.
- You want to understand your numbers, not just hand them off.
Not a fit if
- You only want a once-a-year tax return and no weekly check-in.
- You want someone else to handle the numbers without your involvement.
- You're looking for promised savings or aggressive tax strategies.
- You aren't ready to look at your numbers every week.
The fine print, up front
Coaching is education and planning.
Tax Flow teaches you to read and plan your own numbers. Both paid levels also include your annual tax return preparation by Padgett & Padgett, PLLC when you complete the 12-month term. Other CPA services, like bookkeeping, payroll and entity work, are quoted separately.
Tax rates, wage bases and figures in the workbooks are general. Verify with your CPA before acting on them.
How it starts
Three steps to your first plan
Book a call
A short conversation about your business, your trade, and what keeps surprising you at tax time.
Bring your numbers
Last year's return and your current books. We look at where the money goes before we change anything.
Start the year
You get the workbooks and your weekly schedule, and we build your tax plan together.
Ready to know your numbers?
Book a call with Steve
Pick a time that works for you. No cost and no obligation.