top of page

Your Employee Benefit Concierge

Simplify your experience. Maximize your savings.

DUB Financial offers services that help you optimize your employee benefits with the expertise, resources, and services you need to simplify, save, and grow.

DUB Services

DUB Financial Services

Employee Retention Credit (ERC)

The ERC program was created under the Coronavirus Aid, Relief and Economic Security Act (CARES Act) as part of the federal government’s relief program to encourage and reward business owners that retain employees during the COVID-19 pandemic.

LINQQS Health Maintenance Plan (LHMP)

This ACA (Affordable Care Act) inspired Section 125 plan creates a guaranteed payroll tax savings of over $573/year per W2 employee, a net pay increase in an employee’s pay averaging $1500 per year and provides $0 co-pay health benefits at zero net cost to the employer.

Retirement Plans—401(k), SEP, IRA, Simple IRA

Retirement can be pivotal in helping companies retain and recruit employees. These plans include employer-sponsored plans, individual retirement accounts, and plans for self-employed individuals and small business owners.

Executive Bonus Plans

Executive Bonus Plans—also referred to as Section 162 Plans—are non-qualified vehicles used by employers to provide special compensation to key executives and company managers.

Premium Finance

A proactive strategy, premium financing is designed to help you maintain your lifestyle in retirement by protecting your future income without draining current funds. A fusion of financing and life insurance, it offers more protection and retirement income potential than you could obtain without leverage.

R&D Tax Credit

The R&D Tax Credit Program is a valuable incentive that encourages innovation and investment in research and development activities by reducing federal income tax liabilities for eligible businesses. It plays a vital role in fostering technological advancement and economic growth in the United States.

Cost Segregation

Cost segregation is a powerful tax strategy that can supercharge your real estate investments. By reclassifying components of your commercial or residential property, you can accelerate depreciation and significantly reduce your tax liability.

Estate Planning

Only you should decide how your affairs are managed—not the courts. Estate planning for you and your employees equals company-wide peace of mind that children, assets, pets, medical wishes, and legacies will be decided upon by them.

Key Person Insurance

This insurance acts as a financial cushion if the sudden loss of a key individual would profoundly affect the company's operations. It can buy the company time to find a replacement or to save (or shut down) the business.

Voluntary Benefits

Employees capture group rates for benefits that include life, disability, critical illness, and accident insurance—as well as pet coverage, identity theft protection, legal services, and financial counseling—offered through the employer but paid for partially or solely by workers through payroll deferral.

Employee Debt Solutions

Debt prevents millions from the opportunities and freedoms that wealth provides. A number of effective, innovative services can help employees reduce and eliminate debt, so they can pursue new possibilities and a brighter future.

Partner with DUB Financial

Are you a CPA, Tax Preparer, or know business owners with W2 employees? Partner with DUB Financial and help the businesses you know maximize benefits available to them.

Are you interested but want to learn more?

THE OLD WAY

Challenges Multiplied

Screenshot 2023-10-06 at 1.13.14 PM.png

-Juggle multiple providers 
-Rely on your own knowledge and research
-Vet providers, costs, and chase account reps
-Manage contract and compliance complexity

OUR WAY

Connections Simplified

Screenshot 2023-10-06 at 1.13.52 PM.png

-Collaborate with one Business Concierge​
-Gain an experienced partner that takes initiative
-Discover savings and new offerings for your business
-Simplify contracts, services, and compliance

DUB (4).png

Susan Holt

sholt@appreciationfinancial.com

314-974-7929

Scott Holt

scottholt@appreciationfinancial.com

513-504-4006

Sydney Holt

sydholt@appreciationfinancial.com

314-420-9161

bottom of page