Thepremiumadvantage

Self-employed, or running a business without employer health coverage?

Mark your calendar: Open Enrollment for 2027 health plans starts November 1st.

— November 1st: first day to enroll, renew or change a Marketplace plan.

— December 15th: last day to enroll for coverage that starts January 1st.

— January 15th: Open Enrollment ends.

Use October to get ready. Who needs to be on the plan? Which doctors and prescriptions matter to your family? What changed in your household or your income this year?

Health insurance protects you, your family and your business from the situations nobody plans for.

Just to be clear — there's no quote in a post. Every household is different. That's what the appointment is for.

Book your complimentary health insurance appointment. The link is right below.

https://get.thepremiumadvantage.com/healthappt1

Construction business owners — do you have a bookkeeper, or an accountant?

They're not the same thing.

Bookkeeping is the daily work: recording every transaction, sorting it into the right category, matching it to your bank and credit card statements, keeping payroll records.

Accounting is what's done with those records: analyzing them, reporting from them — CPA-level work.

Without clean bookkeeping, there's nothing solid to work from — not for your taxes, not for your decisions.

That's what the Design Membership sets up. $497 — streamlined processes, QuickBooks setup, payroll setup, and starting your bookkeeping. Stay ahead of your taxes and lower your costs. Your tax prep is included.

Just to be clear — this is bookkeeping and process setup, not accounting. We're not a CPA firm.

Built for construction owners growing their business — 1 bank account, 1 credit card, up to $1,000,000 in annual revenue.

Learn more about the memberships. The link is right below.

https://thepremiumadvantage.com/membership/

Octubre es el Mes de la Ciberseguridad. ¿Dónde están tus documentos de impuestos ahora mismo?

¿En un correo? ¿En un chat? ¿En una foto en tu teléfono?

El IRS recomienda proteger tu información: contraseñas diferentes para tus cuentas importantes, verificación en dos pasos, cuidado con mensajes que te piden actuar “ya”, y evitar el Wi-Fi público para tus cuentas financieras.

Con nosotros, tus documentos van a un portal seguro:

— Agendas tu cita en línea — sin costo.

— Subes fotos o PDF de tus documentos al portal, 24/7.

— Firmas en línea, sin papeles.

— Una revisión final en línea con un profesional de impuestos.

Tú descansas mientras nosotros preparamos.

La cita es sin costo. La preparación de impuestos cuesta entre $250 y $2,000, según la complejidad.

Agenda tu cita sin costo. El enlace está aquí abajo.

https://get.thepremiumadvantage.com/taxprep

Insurance agents, loan officers, realtors — how many miles did you drive to clients this year?

And does your log show it?

If you're self-employed, the business use of your car can be a deduction. A few things decide it:

— Business miles count. Your regular commute doesn't.

— Two ways to figure it: the standard mileage rate, or actual expenses (gas, repairs, tires, insurance, registration, depreciation or lease) — the business share only.

— The law requires adequate records. A log written as you go — not rebuilt in April.

October, November and December still count for 2026. Start the log now.

Just to be clear — this is for self-employed (1099) professionals. If you're a W-2 employee, unreimbursed car expenses generally aren't deductible on your federal return.

Strategic deductions like this are the weekly focus for our members. And if you already have a client base, October is training month for the Tax Preparer Membership — $497/month, tax software included, no franchise, no split fees. Your own tax prep is included.

Learn more about the memberships. The link is right below.

https://thepremiumadvantage.com/membership/

Filed an extension? Your 2025 return is due Thursday, October 15th.

That's next week.

Just to be clear — the extension gave you more time to file, not more time to pay.

If your return isn't done yet, this is the week to get it moving.

Didn't file an extension — or you're a year or more behind? You can still file. Catch up before the year is over and start 2027 fresh. Catching up doesn't erase penalties or interest — that's why now beats later.

It's all online. Book, upload your documents to the client portal, and rest while we prep.

The appointment is complimentary. Tax preps run $250–$2,000, depending on complexity. Members don't pay extra — tax prep is included in the membership.

Book your complimentary tax prep appointment. The link is right below.

https://get.thepremiumadvantage.com/taxprep

Thank you, Dr. Laura Murillo and the Houston Hispanic Chamber of Commerce

Saturday's event was a reminder of what this city does best — business owners in one room, sharing what they're building and helping each other grow.

Thank you for hosting us, for the conversations, and for everything the chamber does for Houston's business community.

And to every business owner we met — it was great to connect. See you at the next one.

Gracias por abrir las puertas a nuestra comunidad. ¡Nos vemos pronto!
Roberto Coello

¿Quieres empezar tu negocio — pero no sabes por dónde?

La Membresía Entrepreneur es para ti.

Está diseñada para quienes están empezando: aprende cómo funcionan los ingresos y las deducciones de un negocio, y organiza tu negocio con soluciones simples desde el primer día.

$297 al mes. Tu preparación de impuestos está incluida.

Además, formas parte de una red de miembros — con eventos presenciales en Houston, como en The Ion — donde encuentras soluciones, recursos y nuevos contactos.

¿Te interesa preparar impuestos pero todavía no tienes clientes? También empiezas aquí.

Para que quede claro — si ya tienes una base de clientes, la Membresía Tax Preparer es la indicada.

Conoce las membresías. El enlace está aquí abajo.

https://thepremiumadvantage.com/membership/

If something happened to you tomorrow — who keeps the household running?

That's the question life insurance answers.

Life, health, and accidental insurance protect you, your family, and your business from the situations nobody plans for.

Have a family, children, or a household that depends on your income? This is for you.

Business owners — your business depends on you too.

Just to be clear — there's no quote in a post. Every household is different. That's what the appointment is for.

Book your complimentary life insurance appointment. The link is right below.

https://get.thepremiumadvantage.com/lifeappt1

Got a smaller refund this year and assumed you paid more in taxes?

Not necessarily.

A refund is money you overpaid during the year — coming back to you. It's not a measure of how much tax you paid.

Two separate numbers:
— Your tax liability: what you actually owe for the year.
— Your refund: what you paid in during the year, minus what you owe.

You can pay less total tax and still get a smaller refund — or no refund at all.

Most people were never told this. We explain it. And every tax prep includes a review of other income, deduction and credit opportunities.

Our online tax prep appointment is complimentary. Tax preps run $250–$2,000, depending on complexity.

Book your complimentary tax prep appointment. The link is right below.

https://get.thepremiumadvantage.com/taxprep

Already have a client base? October is the month to add tax prep to what you offer.

The Tax Preparer Membership is built for professionals who already serve clients — life insurance agents, loan officers, P&C insurance agents, real estate agents.

Your clients file taxes every year. Now you can be part of that.

$497/month. The tax software is included. No franchise. No split fees.

October is training month — so you're ready when tax season opens in January. And your own tax prep is included as a member.

Just to be clear — this is for professionals with an existing client base. Starting from zero? The Entrepreneur Membership ($297/month) is the right fit.

Learn more about the memberships. The link is right below.

https://thepremiumadvantage.com/membership/