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.

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

  • 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

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

  • 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


From the simplest plans 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:


    Live the dream


   Align with your best interests


   Enhance lives


    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 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 10-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.

Bob Coleman Photo

Bob Coleman

Financial Consultant
Read Bio

With over 15 years of Financial Services experience, Bob brings a wealth of capabilities to his clients.  From working as the director of Investor Relations for a pre-formation community bank to a real estate agent to being a part of Utah’s largest fee-based Financial Planning firms, Bob has ‘been around the block’ bringing lessons learned and the heart of a servant to his clients.

Bob wanted to be a fully independent fiduciary for his clients so in 2020 he made the move to Simplicit Financial.  This enables Bob to follow his passion in creatively providing the best possible opportunities and outcomes for his clients.  

 Bob loves to travel and explore new parts of the world and can be found frequently appreciating sporting events and music productions.  A songbird at heart (ask him for a Happy Birthday song), he can also ‘cut a rug’ having received second place in the inaugural “Dancing With Your Community Stars Event” in Southern Utah.

 Bob is currently one of Southern Utah’s most eligible bachelors and has 3 adult children.


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.

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

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.

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.

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.

Tax and Estate Planning Attorneys Photo

Tax and Estate Planning Attorneys

Vetted members of our professional community
Read Bio

We continually scour the market for the best of the best in Tax Attorneys and CPAs.  By working as a team for you, we look at the  total picture to combine tax, law, wealth management, and insurance practices to provide our clients a 'family office' experience. 

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