facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search brokercheck brokercheck

It All Starts With A Proactive Tax Planning Team

The CPA Team Based Model unites tax and business planning specialists to create better results for everyone involved.

It’s that simple.

Are You a CPA?

Our Mission:  To Impact and Improve the Financial Lives of others.


Through team-based proactive planning with CPAs who are looking to increase their impact in the lives of their clients.

As soon as you start to pursue a dream, your life wakes up and everything has meaning.

- Barbara Sher

Business Owners

Are you a successful business owner and totally frustrated by the amount of taxes you pay every year?

The truth is, the world is full of accountants who do little more than record history, putting the “right” numbers in the “right” boxes on the “right” forms by the “right” deadlines to keep you out of trouble. But then they call it a day.



Want to see what real tax planning can do for your situation?


Are you confident you’re taking advantage of every tax break you deserve?

Tax preparation and doing the company's financials (compliance work) is not a substitute for tax planning.


Strategies included in Simplicit Financial’s team-based model focus include:


  • Tax Efficiency
  • Key Employee Retention
  • Private Reserve Programs
  • Restricted Property Trusts
  • Buy-Sell and Business Continuity Solutions
  • Succession Planning
  • Retirement Cash Flow Maximization
  • Premium Financed Life Insurance
  • College Funding
  • Efficient Savings and Independent Investment Services

As soon as you start to pursue a dream, your life wakes up and everything has meaning.

- Barbara Sher

Tax Professionals

Are you looking to...


Create more value and impact for your clients?


Increase organic growth by giving clients a story worth sharing?

Reduce the risks that come from referring clients to third parties?


There’s Been A Dramatic Shift

As the AICPA put it, CPAs are now expected to be their clients' “most trusted business advisors", and as CPA Horizons 2025 pointed out, a CPA is no longer defined by “traditional services such as tax preparation, audits, and financial statements.”

72% of Business Owners Left Their CPA Because They Only Received
“Reactive Services”

In this shifting landscape, firms that will thrive in the future will learn how to use this trend to their advantage, rather than struggle against it. 


The CPA Team Based Model, is designed to help accountants:

  • Reduce the risk of losing clients by being more proactive.

  • Increase organic growth by giving clients a story worth sharing with friends and other business owners.

  • Provide more value and increase client satisfaction.

  • Expand the 'brain trust' by working with some of the country's best specialists.


I love what you guys are doing. Keep up the great work!”

Ronald Baker, Author of six best-selling books, including, Measure What Matters to Customers and Firm of the Future

You’ve hit the nail on the head! This is a great opportunity for CPAs, and I look forward to working with you.”

Salim Omar, Author of The Ultimate CPA Practice in the New Economy


Learn more about the CPA Team Based Model:

Creating a path for the Accounting Professional to become
the Proactive Tax-Planning Master you were meant to be.


Case Studies

Real Success Stories of Actual Clients

The cases presented are based on actual clients. The challenges, situation and recommendations are all real. The names and industries have been changed for confidentiality reasons.

By: Kate Seastone, MBA, CFP®, Financial Strategist
(Expert at recommending visionary strategies and plans)


My Business Partner is Great... What If?


  • Buy-Sell with Owner Benefits



Learn More

Keeping Top
Employees 


  • Key Employee Retention



Learn More

Buying Out my Older Partner, Dad


  • Owner Buyout


Learn More


You don’t have to see the whole staircase, just take the first step

Martin Luther King, Jr.

Who We Are - Your Planning Team

WE'VE BEEN FEATURED ON:


From the simplest of account roll-overs to the most complex tax mitigation and business planning scenarios, the CPA Team Based Model can help. The following list of our planning specialists is representative of the variety and depth of the team across multiple disciplines such as:

Advanced Income Tax Mitigation
Asset Protection
Succession Planning
Qualified Retirement Plans
Non-qualified Retirement Plans
Financial Planning
Captive Insurance Companies
Cost Segregation
Business Exit Planning
Cost Remediation

Simplicit Financial Core Values:


  Freedom

    Live the dream

  Integrity

   Align with your best interests

  Impact

   Enhance lives

  Excellence

    Quality, always do our best


Kate Seastone, MBA, Certified Financial Planner® Photo

Kate Seastone, MBA, Certified Financial Planner®

Financial Consultant, Team Lead
Read Bio

Kate Seastone is a CERTIFIED FINANCIAL PLANNER® and an MBA who works primarily with CPAs and Successful Business Owners  to help them create the life and lifestyle they deserve.  As the Team Based model consultant, Kate leads the team of experts from across the USA to provide the absolute best strategies and solutions for their clients.

After earning her bachelor’s degrees in computer science, math and business from the University of Nebraska-Lincoln, Kate started her career in software development but quickly realized that her heart was drawn to making businesses better. She earned her MBA from Western International University and pivoted her career to consulting. She worked as a Senior Consultant at KPMG Peat Marwick, then pivoted her knowledge towards helping high tech companies launch new products in the international market, motivate employees and find ways to become more profitable. The fast-paced environment of the successful entrepreneurial minded business owner made her realize one valuable lesson – she loved working with successful business owners and their key employees.  As Kate pondered her next career move into finance, she knew she wanted to work continue to work with successful business owners.

When she called her mother to tell her she decided to become a financial planner, her mother said, “it’s about time.”

Initially joining a traditional financial firm Ms. Seastone soon realized she wanted the freedom to offer the absolute best solutions for her clients, to be their fiduciary, so she launched Simplicit Financial over 10 years ago.
Kate enjoys being with her family, traveling, hiking and even hitting the links occasionally.  She is married with a 9-year-old daughter who is involved with all that life has to offer.  The family loves their Australian Shepherds and you might even find Kate on an agility course with her dogs.

Ric Fradera Photo

Ric Fradera

Director, Operations
Read Bio

Ric is a Yankees fan, but we're okay with that. What you need to know is if the Yankees are playing, Ric is not available and he'll most likely be horse the following day.
When at the office, we lean on Mr. Fradera's vast expertise in advanced planning and creating ideas for executive compensation, plan design and administration. He brings a wealth of experience garnered while heading up Advanced Planning departments within major Financial Service organizations to working with some of the best in the industry at Executive Compensation.  His passion for helping all clients whether the business owner or the front line employee is what makes him a great fit for Simplicit Financial.
Ric’s love for his family, a wonderful son and daughter, meshes well with our business motto of ‘Family First’.  And of course, he is also an avid dog lover which is mandatory for all Simplicit Financial employees.

Andrew Argue, CPA Photo

Andrew Argue, CPA

Accounting Marketing & Sales Consultant
Read Bio

Mr. Argue is a CPA and owner of The Argue Company, which is one of the nation’s leading consulting companies for accountants. Andrew has personally coached over 300 accountants in 5 countries, and helped them understand how to start and grow hyper profitable accounting practices. Prior to starting The Argue Company, he was a senior accountant at Price Waterhouse Coopers.  Andrew believes that the number one problem of most accountants is that they think incredibly small, and they have accepted limits for themselves based on the industry norms. His goal is to help his clients produce results far beyond their competitors.

Michael Frost Photo

Michael Frost

Heritage Advisors LLC – RIA
Read Bio

Mr. Frost is the co-founder of Heritage Advisors, and has spent his career as a wealth manager and investment banker for many of the most prestigious financial institutions in the country. In 2011 Michael opened his own Registered Investment Advisor Firm and aligned himself with the sophisticated planners at Nelson Law Firm. With an emphasis on true independent non-bias financial services, Michael brings his experience in investment management, financial planning, private banking, investment banking, insurance plan design, and special financing needs to the Heritage team.

Joel Grushkin Photo

Joel Grushkin

Cost Segregation Initiatives (CSI)
Read Bio

Mr. Grushkin is Regional Director of Cost Segregation Initiatives (CSI).  Joel brings nearly 40 years of executive experience to the CSI organization. His background includes 11 years with Arthur Young & Company (now Ernst & Young) as a Principal and director of the firm’s Management Services Practice. He was also a member of AY’s National Real Estate Industry Specialty Practice Group. His cost segregation experience has encompassed studies for developers and owners of commercial real estate, including but not limited to, office buildings, shopping centers, manufacturing and distribution centers, specialty medical facilities, automotive dealerships, hotels, restaurants, financial institutions, multi-family residential, and senior living communities.

Ami Kassar Photo

Ami Kassar

MultiFunding
Read Bio

Mr. Kassar, CEO and Founder of MultiFunding, is a nationally renowned small business advocate and leader. Ami has been featured in publications including the New York Times, The Huffington Post, The Wall Street Journal, Entrepreneur, and Forbes, and has appeared as a guest on Fox Business News. Ami is the 2014 and 2013 recipient of the Small Business Influencer Award as well as the 2012 Small Business Advocate Award.

Keith Langlands, CPA Photo

Keith Langlands, CPA

Synergy Captives
Read Bio

Mr. Langlands is President and Managing Partner of Synergy Captive Strategies (SCS). Founded in 2008, SCS provides innovative captive insurance formation, management, and alternative risk transfer strategies for middle market companies, which allows them the ability to reduce insurance costs, increase cash flow, and better leverage every dollar earned. With more than 25 years of experience in the financial sector, Mr. Langlands is a leading expert in the captive arena. His proficiency as a CPA, servicing high net worth clients while providing strategic advice regarding accumulating and protecting wealth, reducing insurance costs, improving cash flow and controlling and managing risks.

Jonathan A. Mintz, JD Photo

Jonathan A. Mintz, JD

Asset Protection & International Taxation
Read Bio

Mr. Mintz has more than 25 years of experience in case design and implementation, helping domestic and international families achieve their asset protection, business and estate planning objectives while minimizing taxes. Before joining MVM Law, Jonathan served as Chief Operating Officer at Wealth Counsel, LLC, overseeing the operations of the nation’s premier estate and business planning attorney membership organization, supporting thousands of attorneys throughout the United States. Jonathan has recently co-authored Wisdom for the Wealthy: Solving the High Net Worth Planning Puzzle, and has contributed articles featured in Estate Planning Journal, The AICPA’s The Tax Adviser, and The Journal of Financial Service Professionals.

Michael Moore, CLU, CHFC Photo

Michael Moore, CLU, CHFC

Complex Financed Life Insurance Solutions
Read Bio

Mr. Moore brings 19 years of insurance experience from retail, wholesale and banking marketplace perspectives. He utilizes product knowledge and capital relationships in helping to design and navigate complex financed life insurance solutions for high net worth clients. Michael ran the processing department of a large brokerage general agency, was Vice President of Sales and Marketing for a national producer group and Vice President of sales for the largest premium finance lender in North America. Michael holds The American College Chartered Life Underwriter and Chartered Financial Consultant designations.

Richard Montellano Photo

Richard Montellano

Cost Remediation
Read Bio

Mr. Montellano is a supply chain executive with more than 25 years of experience in the manufacturing and distribution environments. He is passionate about helping companies create effective solutions that have and continue to create significant savings to their bottom lines. He has experience across industries such as aerospace, hospitality, industrial, consumer goods, medical, and many others. Richard has also led numerous ERP (Enterprise Resource Planning) implementation solutions for organizations around the globe. Above the Standard has over 3 decades of success helping companies and organizations increase profitability globally by tens of billions of dollars at an average of 28.2%, 98% of the time.

Ralph Nelson, JD, CPA Photo

Ralph Nelson, JD, CPA

Advanced Tax Mitigation
Read Bio

Mr. Nelson, an attorney and CPA, is one of the founders of Heritage Advisors, LLC where they combined tax, law, wealth management, and insurance practices to provide a specialized family office experience. Ralph works primarily with small business owners and high-income taxpayers to develop leveraged estate and gifting strategies. Prior to establishing Heritage Advsiors, Ralph was a practicing tax attorney with Deloitte and Touche, LLP in their Mergers and Acquisitions group. He has an expertise in IRS Audit Representation to settle tax controversy, as well as audit field work pursuant to SEC guidelines.

Martin Staubus, Esq. Photo

Martin Staubus, Esq.

Employee Stock Ownership Plans (ESOPs)
Read Bio

Mr. Staubus is the executive director of the Beyster Institute, part of the Rady School of Management at UC San Diego, where he advises business leaders on the design and operation of employee stock ownership programs to build stronger companies and provide liquidity to owners.  Martin has 30 years of experience in business, having served in varied roles as an attorney, consultant, Labor Department policy advisor, corporate executive, and corporate director.  He has served as Associate Director of the ESOP Association in Washington DC and as a director of the National Center for Employee Ownership.

Craig Sullivan Photo

Craig Sullivan

IDEAL Plan/Tax Planning
Read Bio

Mr. Sullivan is an attorney specializing in tax planning, business planning, estate planning and asset protection. In 1999 he created the IDEAL Plan, which is his proprietary tax reduction and financial planning strategy. The IDEAL Plan™ creates tax-free client income and removes assets from the reach of potential creditors, while leaving the client (and family) in complete control of the assets for multiple generations. He has focused on the advanced planning needs of financial service professionals, CPAs, and their clients.

Beth V. Walker Photo

Beth V. Walker

College Specialist for Business Owners
Read Bio

Ms. Walker is the founder of Center for College Solutions and the author of Never Pay Retail for College.  With over 20 years of experience in financial services,  Beth has defined the 12 critical components of a successful college funding strategy.  Regularly quoted in publications like The Wall Street Journal, US New & World Report, and The Washington Post, she is an expert in creating tax efficient and cash flow efficient funding strategies for business owners sending their kids (and grand-kids) to college.

David Wolf, CLTC Photo

David Wolf, CLTC

Long Term Care
Read Bio

Mr. Wolf is the president and owner of Wolf & Associates. Wolf & Associates has specialized solely in Long-Term Care Planning since 1988. David’s expertise in Long-Term Care Insurance planning with business owners and executives has gained him national recognition in his field.  He has been quoted numerous times by the Wall Street Journal, Barron's, and others. His depth of knowledge in creative tax applications for these products has made him a recognized leader and speaker. David has been a top producer for many of the insurance carriers Wolf & Associates represents. His practice niche is offering turn-key Long-Term Care Insurance planning solutions to advisors who wish to offer their clients the highest level of service and expertise.

Our Recent Blog Posts:

Loading Posts...

View All

 In matters of style, swim with the current; in matters of principle, stand like a rock.

Thomas Jefferson

Contact Us

Schedule your complimentary strategy session with Kate and her team.


Schedule Your Meeting Today

Schedule Online

Check the background of this advisor on FINRA’s BrokerCheck.