The Short Answer19th Hole Financial is a tax strategy and advanced life insurance practice in Moorpark, California. Tyler Ostrovsky, a former professional golfer from Simi Valley, plans for business owners, physicians, executives and athletes earning $500,000 or more across Ventura County, from Thousand Oaks and Simi Valley to Camarillo, Oxnard and Ventura.
Who Does Tyler Work With In Ventura County?
Owners and professionals whose income puts them in the top federal and California brackets:
- Business owners with a profitable company, a family business or a practice they plan to sell one day.
- Physicians and dentists, both practice owners and employed specialists.
- Executives with bonuses, RSUs and stock options vesting each year.
- Professional and retired athletes managing a short, top-bracket career.
Most earn $500,000 or more a year, the level where these strategies start to pay for themselves.
What Do Ventura County High Earners Pay In Tax?
A Ventura County household at the top of the scale can face a 37% federal rate, California's 12.3% top rate and a further 1% on income over $1 million. California also taxes capital gains as ordinary income, so selling a business, a building or a concentrated stock position here costs more than it would in most states.
That is the first bill. The second arrives later, when money in pensions, cash balance plans and pre-tax 401(k)s comes out and is taxed again as income. The Second Bill guide explains how it works, and the Tax Scorecard puts your own numbers on both.
How Does Planning Work, And Can We Meet In Person?
The first call is 30 minutes on Zoom: your income, your goals and what you already have. From there, planning runs through five meetings named after a round of golf, held in person around Ventura County or on Zoom, whichever suits you. By the third meeting you have a Tax Advantage Scorecard and a written game plan.
Your CPA, attorney and advisors keep their seats. Tyler briefs them on every move before anything is filed or signed, and every decision stays yours.
Which Strategies Come Up Most For Local Owners?
- Cash balance plans for practice and business owners who want a far larger deduction than a 401(k) allows.
- Retirement tax planning for the pre-tax balance that will be taxed on the way out.
- Advanced tax mitigation strategies for appreciated real estate, stock or a business headed for sale.
- Premium finance for estates heading toward the $15 million exemption.
Where In Ventura County Does Tyler Work?
The practice serves all of Ventura County, including Moorpark, Thousand Oaks, Newbury Park, Westlake Village, Simi Valley, Camarillo, Oxnard, Ventura, Ojai, Santa Paula, Fillmore and Port Hueneme, plus neighboring Calabasas, Agoura Hills and Malibu. Clients elsewhere in California meet on Zoom.
Common Questions
Do I need to live in Ventura County to work with Tyler?
Ventura County clients can meet in person; clients elsewhere in California meet on Zoom. Tyler is a licensed insurance agent in California, CA License #4102745.
How does Tyler work with my CPA?
Alongside them. Your CPA files the return; Tyler brings planning ideas to them months earlier and walks them through each one before anything is filed or signed. See the planning calendar.
What does the first call cost?
Nothing. It is a 30-minute Zoom call to see whether the planning fits. Pick a time.
