Who This Is For

This program is for licensed real estate agents who've crossed into real income but haven't built the financial structure underneath. Specifically:

Agents grossing $150K+ in commissions who are still filing as sole proprietors
Producers with commingled accounts and "I'll sort it out at tax time" bookkeeping
High earners getting surprise tax bills every April
Agents whose CPA only sees them once a year
Producers ready to start investing but not sure what their actual net is

The "$300K and broke" producer. If that description hits home — you're crossed into real income, have no entity, no real P&L, and a tax bill that always feels like a punch — this is where we start. Highest pain, highest leverage, lowest-friction wins.

The CFO Layer

What MREA Starts. What We Finish.

The MREA Economic Model teaches the concept of margin — the Cost of Sales / Operating Expense / Profit split. It's a great start. But it stops there. Coaching completes the financial side of the business.

Module 1

Structure & Protection

Entity status (sole prop / LLC / S-corp), business-vs-personal account separation, and basic liability protection. We figure out when sole-prop → S-corp actually pays off (usually ~$80K+ net income), the reasonable comp question, payroll setup, and what your CPA needs to file the election. I teach the framework; your CPA renders the advice.

Module 2

Visibility & Numbers

Installing a real P&L you can read like an owner. QuickBooks / Wave / Xero setup, monthly review rhythm, the small set of numbers that actually matter (net income, gross margin, owner pay, cash position). You stop guessing and start managing.

Module 3

Commission Cash-Flow System

Profit First-style account architecture: every commission gets split automatically into Taxes, Profit, Owner Pay, and Operating — with fixed percentages, fixed accounts, no willpower required. This is usually the single highest-ROI module. Most agents recover $10K-$30K of "leaked" income per year just from this one move.

Module 4

Tax Strategy Frameworks

Bonus depreciation. Cost segregation. 1031 exchanges. REPS (Real Estate Professional Status). Retirement contributions. Section 199A. I teach you the framework so you understand what's available; your CPA (or my CPA partner) renders the personalized advice and signs the return. See how the partnership works →

Module 5

CPA Relationship Restructure

Stop treating your accountant as a once-a-year tax preparer. We restructure the relationship: what to ask for, what to bring, when to call, what a quarterly check-in looks like. You arrive at your CPA's office organized — they thank you for it, and they can actually do strategy with you.

The MREA Connection

MREA Still Powers the Business Side

Gary Keller's MREA framework still drives production and team-building. We use it. We just complete what it doesn't teach. Here's how it fits.

Economic Model

Work backward from net income goal → GCI → transactions → leads. MREA teaches the math; coaching ensures it actually drives your daily activity and connects to your real-world numbers.

Budget Model

Operating budget, marketing spend, hire decisions. MREA gives the structure; we wire it to your real P&L so the budget reflects what's actually happening, not what's idealized.

Lead Generation Model

8x8, 33-touch, 12 direct, modern digital — adapted to your personality, market, and capital. Still essential. Coaching makes sure you're spending lead-gen dollars from a budgeted, profitable business — not from desperation.

Organizational Model

R/T/C/K stages — when to hire your first TC, ISA, buyer's agent. We use MREA's criteria but tie each hire to the financial impact on your P&L. Hires happen when they make sense financially, not when you're burned out.

What You Get

Element	What's Included
Monthly 1:1 Call	60 minutes, video, every month. CFO-style review of your numbers.
Async Access Between Sessions	Voxer/email/text — quick decisions don't wait for a calendar slot.
Quarterly Financial Review	Every 90 days: P&L review, cash flow check, tax planning, goal recalibration. Optional: include your CPA on the call.
Frameworks & Templates	Entity Decision Guide, Commission Cash-Flow System setup, P&L review checklist, CPA-meeting prep worksheet.
CPA Partner Introduction	If you need one, I'll introduce you to a CPA familiar with the agent business. No referral fees; you hire them directly. Learn more.
Investor Calculator Access	All 9 calculators on the site, used during sessions to model investment moves once Phase 1 is solid.
AI Integration Track	Practical AI guidance integrated into every engagement — ChatGPT, Claude, automation tools that I personally use in my own broker work.
Pricing	$500/month, no contracts, cancel anytime. Phase 2 (Investor track) included once foundation is ready.

The Sequencing

This isn't "do everything at once." There's a deliberate order. The first 90 days look roughly like:

Days 1–30: Diagnostic. Where are you actually? Entity status, accounts, P&L, last year's tax return. I find the holes.
Days 30–60: Stabilize. Set up business banking if needed, install the commission cash-flow system, get bookkeeping current, schedule the first real CPA meeting.
Days 60–90: Structure. Entity election decision with your CPA (if it makes sense), payroll setup if S-corp, quarterly tax planning rhythm, P&L review cadence locked in.
Day 90 onward: Optimize. Tax strategy frameworks layered in. Begin the bridge into Niche B (investing).

After ~90 days, you have a financially strong business. The next 90 are where the real money starts to compound — partly through better tax outcomes, partly through actually keeping what you earn, and partly through directing profit into investment property.

Build a Financially Strong Real Estate Business.