Cinder Wealth Advisors

Cinder Wealth Advisors At Cinder Wealth, you’re not just building wealth—you’re building momentum. Let’s turn your spark into something lasting. Let’s rise together.

Securities and advisory services offered through Lion Street Financial, member FINRA, SIPC, and a Registered Investment Advisor. Investment Advisory Services offered through Csenge Advisory
Group, LLC, a registered investment advisor not affiliated with Lion Street Financial. Cinder Wealth Advisors, LLC is not affiliated with Csenge Advisory Group, LLC or Lion Street Financial.

07/21/2026

Most business owners judge a tax strategy by one thing: what it does to this year's return. That is the wrong scoreboard.

A move that saves you money today can quietly create a bigger bill later. Something that looks brilliant on this year's return can cause real problems for your estate down the line. These are not always the same conversation, and treating them like they are is how people leave money on the table over decades.

The goal was never paying less this year. It is paying less over your entire life.

Schedule a call: https://app.greminders.com/c/mattlosanno/tax-strategy-review

07/20/2026

A big deduction feels like a win. You cut this year's tax bill by six figures and move on. But most people stop thinking one step too early.

The question that actually matters is what happens next. If those deferred dollars get taxed down the road at the same rate, or a higher one, did you really save anything? Or did you just move the bill to a future where it might be bigger?

Deferring taxes and eliminating taxes are not the same thing. Confusing the two is one of the most common and expensive mistakes I see.

Schedule a call: https://app.greminders.com/c/mattlosanno/tax-strategy-review

07/17/2026

A few years ago we put a cash balance plan in place for a client. It was the right strategy at the right moment, and it worked exactly as intended.

Recently I sat back down with him and asked two simple questions.

Do you expect to ever be below the highest tax bracket? He said no.

Do you expect to ever earn less than a million dollars a year? Again, no.

And just like that, the plan needed to change.

Here is why those answers mattered so much. A cash balance plan is often built around the idea that you are deferring income now, at a high rate, to pull it out later at a lower one. That logic depends on your future looking different from your present. When someone tells me their income and their tax bracket are never realistically coming down, the entire premise shifts. The deferral math stops working the way it did on day one.

None of this means the original strategy was a mistake. It was correct for the person he was when we built it. But goals move. Income grows. Circumstances settle into something more permanent than anyone expected. The best strategy in the world becomes the wrong one the moment the assumptions underneath it quietly change.

That is why I keep going back to the same question with clients. Not what did we decide back then, but does it still fit who you are now.

Two questions were all it took to find out this one no longer did.

If it has been a while since anyone revisited the thinking behind your plan, it might be worth a conversation.

Watch the full video -> https://www.youtube.com/watch?v=KWKNYFffjFY
Book a Tax Strategy Review: https://app.greminders.com/c/mattlosanno/tax-strategy-review

07/14/2026

It is easy to build a plan around everything going right. The business keeps growing, the sale happens on schedule, the valuation holds. That plan feels good in a meeting.

I want to know what happens on the other side. What if your biggest customer walks? What if a health issue keeps you out of the business for a year? What if the company turns out to be worth a lot less than you were counting on?

A plan that only survives the good outcome is not really a plan. It is a hope with a spreadsheet attached.

Matt Losanno | Cinder Wealth Advisors | Cu***ng, Georgia
Serving business owners across North Georgia including Alpharetta, Milton, Johns Creek, Roswell, Gainesville, Canton, Jasper, Dawsonville, Dahlonega, and surrounding areas in Forsyth, Cherokee, Hall, Pickens, Dawson, and Lumpkin counties.

Investment Advisory Services offered through Csenge Advisory Group, LLC. Cinder Wealth Advisors is not affiliated with Csenge Advisory Group, LLC. Cinder Wealth is not a licensed tax professional. Content is educational and informational only and does not constitute personalized tax, legal, or investment advice. Consult a qualified professional for guidance specific to your situation.

***ngGA

07/10/2026

I was reviewing a client's plan with a new employee recently. Larger business owner, a lot of moving parts. And I was walking him through two very different scenarios we were preparing for.

In the first, the business takes off and becomes dramatically more valuable than anyone is currently expecting. In the second, the business gets disrupted and the value we are counting on today does not hold.

He stopped me partway through. He said it was kind of crazy that we were building for both ends of the spectrum at the same time.

I told him that is the job.

Good planning is not about predicting which future shows up. Nobody can do that reliably. It is about making sure the person you are working for is in a strong position regardless of which one does. If the business soars, are we prepared for the tax and liquidity questions that come with it? If it stumbles, is enough wealth built outside the company that the owner's life does not stumble with it?

Most people plan for the outcome they are hoping for. The real work is respecting the one they are not.
That is the difference between optimism and a plan.

If you have never looked at your own situation from both ends, it might be worth a conversation.
Book a Tax Strategy Review: https://app.greminders.com/c/mattlosanno/tax-strategy-review

07/09/2026

Every business owner who sits down with me wants the same thing at first. Lower taxes. And I understand the instinct. But it is the wrong place to start, and I usually stop the conversation before it gets going.
Because the first real question is not about taxes at all. It is this: what are you actually trying to accomplish?

Do you want to keep growing the business for another ten years? Are you looking to sell in the next three? Do you want to hand it to your kids and keep it in the family?

Those are three completely different roads. A strategy that sets you up beautifully for a sale can quietly undermine a plan to pass the business down. The right move for an owner in growth mode can be the wrong move for someone eyeing the exit.

This is where preparation and planning part ways. Preparation reacts to what already happened. Planning starts with where you are trying to end up and works backward from there. The tax strategy is not the goal. It is a tool, and a tool only makes sense once you know what you are building.

So before we talk about a single deduction, entity structure, or retirement plan, I want to understand the destination. Everything else follows from that.

If you have never had someone ask you that question first, it might be worth a conversation.
Book a Tax Strategy Review: https://app.greminders.com/c/mattlosanno/tax-strategy-review

07/08/2026

Most business owners bring me a strategy they picked up somewhere else. A conference session, a friend's CPA, a video like this one. And the question is always the same: should I do this?

Before I answer, there are six things I want to understand first. None of them have anything to do with how much tax you paid last year.

What are you actually trying to build? How profitable is the business, not just how much it brings in? Do you think you'll ever sell it? Who else is depending on the outcome? What happens if everything goes wrong? And just as important, what happens if everything goes right?

The same strategy can be the right call for one owner and a mistake for another. The strategy was never the problem. Nobody had asked what it was supposed to accomplish.

I made a full video walking through all six, in the order I actually ask them.

Watch it below.

Or if you'd rather walk through your own six answers directly, schedule an introductory meeting: https://app.greminders.com/c/mattlosanno/tax-strategy-review

General education only. Not tax, legal, or investment advice.

07/03/2026

People use two words like they mean the same thing. Preparation and planning. They do not.

Tax preparation happens during tax season. It reports what already happened. Tax planning happens all year long, and it shapes what happens next. Both matter. They are just different jobs, often done by different people.

Here is the part that catches owners off guard. Most of the real opportunities show up before the return is ever prepared, not after. By the time you are filing, the year is mostly written.

Short below. If nobody has looked at your situation from the planning side, the link to schedule a call is there.

General education, not tax or investment advice.

07/02/2026

Most tax strategies expire when the calendar flips to January. This one sometimes does not.

A cash balance plan may allow certain eligible, highly profitable business owners to make deductible contributions after year-end that apply to the prior tax year. That surprises a lot of owners who assumed the door had already closed.

It is not right for everyone. There are eligibility requirements, actuarial calculations, and ongoing obligations, and every situation has to be evaluated on its own. But it is worth knowing the door is not always shut on December 31st.

If you want to know whether it fits your situation, there is a link to schedule a call.

General education, not tax or investment advice.

07/01/2026

Every spring I get a version of the same call. "Matt, I just got a $150,000 tax bill. Is there anything I can still do?"

The honest answer is usually: maybe, but not as much as you would like.

Most planning opportunities live before year-end. A few survive into the new year. Very few are left once the return is filed. It works like a funnel, and by April you are near the narrow end.

That is not meant to discourage anyone. It is the reason I would rather have the conversation early, while the options are still wide open.

If you want a second opinion on your own situation, the link to schedule a call is below.

General education, not tax or investment advice.

Address

5290 Matt Highway
Cumming, GA
30028

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

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

Shortcuts

Share

Category