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  • Who We Serve
  • The Math
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    • The 2026 ACA Subsidy Cliff: Why Your $130k Income Just Became a Liability
    • Is S-Corp Health Insurance Really Tax-Deductible? The W-2 Box 1 Trap
    • Why the IRA Limits Don’t Matter (And What Schwab’s Article Doesn’t Show You)
  • How it works
  • Pricing
  • Who We Serve
  • The Math
  • More
    • The 2026 ACA Subsidy Cliff: Why Your $130k Income Just Became a Liability
    • Is S-Corp Health Insurance Really Tax-Deductible? The W-2 Box 1 Trap
    • Why the IRA Limits Don’t Matter (And What Schwab’s Article Doesn’t Show You)
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Author: David Martinez

David Martinez is a tax attorney with 14 years of experience specializing in business structure optimization and tax-efficient PEO implementation for high-earning solo professionals and small business owners. David holds a Juris Doctor from the University of Michigan Law School and is licensed to practice law in seven states. He has contributed articles to Tax Advisor Magazine and The American Bar Association Journal, and regularly speaks at business owner conferences on S-Corp optimization and alternative benefit structures. His specialty is identifying structural inefficiencies that mainstream financial advisors overlook the gaps between standard business advice and the actual mechanics of tax law that create opportunities for high-income owners.

USA OPS connects high-earning operators to flat-fee access to large-group pre-tax infrastructure.
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Eligibility for any tax treatment, payroll setup, or benefits depends on your business entity, ownership structure, state rules, and specific facts. This material is for general information only and is not tax or legal advice. Consult your CPA or attorney before making any changes. Results are not guaranteed.

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