FOR ROOFING BUSINESS OWNERS DOING $1M–$5M+ A YEAR
YOU BUILT THE BUSINESS. NOW BUILD YOUR WEALTH.
Growing a roofing company and building personal wealth are two different jobs. I'm Nick Schumacher — CFP® and Enrolled Agent. I'm the money guy for roofers: smarter tax decisions, finances under control, and real wealth outside the business.
Fee-only advisory · CFP® professional · Tax expertise
READ THIS PART SLOWLY
YOUR BUSINESS IS NOT A RETIREMENT PLAN.
You had a monster year. Crews ran flat out. More money moved through your account in twelve months than your dad made in twenty years.
Then April came. Your CPA sent a number you weren't ready for. You paid it and told yourself next year would be different.
Here's the truth: everything you own is the business. One bad back, one bad hire, one slow season — and twenty years of work is gone.
You don't have a money problem. You have a nobody-is-driving problem.
FREE DOWNLOAD
THAT'S EXACTLY WHY WE WROTE THIS PLAYBOOK.
Free — enter your info and I'll send the ebook to you right now.
Your business isn't a retirement plan — this is the first step to fixing that. These are my secrets: how I pay the least amount you LEGALLY can. We'll find deductions like you wouldn't believe! Keep that money, invest it right, and actually retire someday. Free.
01
THE TAX BOMB
Nobody planned for it, so it hits like a debt collector every spring. You pay the number because you don't know what else to do.
02
THE VANISHING MONEY
$3M through the business. Where did $200K go? Trucks, toys, gas station lunches at 2pm.
03
NOTHING OUTSIDE THE BUSINESS
No real account outside the business. If you stopped working Monday, how long does the family have?
04
NO ONE SPEAKS YOUR LANGUAGE
The bank advisor never met a payroll. He puts you in the same nine funds he puts the dentist in.
THE GUY IN YOUR CORNER
I'M NICK. I'M THE MONEY GUY FOR ROOFERS.
I'm a CERTIFIED FINANCIAL PLANNER™ and a federally authorized Enrolled Agent. That second one matters.
As an EA, I can plan your taxes and represent you before the IRS. I work right alongside your CPA — he files, I plan.
I am the Business Expense King. I go line by line so you pay the least amount you LEGALLY can — and you can be one too.
I built Steel Toe Wealth for one kind of client: the contractor winning at the work and losing at the money. I'm fee-only — my advisory pay comes from you, not commissions on products.
- CFP® · CERTIFIED FINANCIAL PLANNER™
- EA · IRS ENROLLED AGENT
- FEE-ONLY FIDUCIARY
THE STEEL TOE PLAN
ONE PLAN FOR YOUR MONEY, YOUR TAXES, AND YOUR FUTURE.
Most advisors hand you a PDF and disappear. I actually do the work with you.
We plan your taxes, invest your money, and build a real plan for your family — outside the business.
Here's the map.
STEP 1
THE FULL PICTURE
Every account, debt, and dollar, clear at a glance. We see where the money goes and where it should go.
STEP 2
CUT THE TAX BILL
Line-by-line tax planning with your CPA. Pay the least you legally can — and set money aside so April isn't a surprise.
STEP 3
BUILD AND PROTECT WEALTH
Money moves out of the business and into your name. Invest it, protect it, and cover retirement, college, and family. Then, if you want: Fractional CFO and Exit Strategy. $$$
The ticks — what gets checked off
- Net worth and cash flow, clear at a glance
- Monthly budget that fits a contractor's income
- Cash reserve that survives a slow winter
- Year-round tax plan
- Deduction sweep, line by line, fully documented
- S-corp salary vs. distribution set right
- Tax planning so April stops being an ambush
- Retirement plans that move serious money out
- Portfolio built and managed at Altruist
- Regular rebalancing — no calls needed
- Life and disability coverage checked
- College savings plan for the kids
- Will, trust, and beneficiaries reviewed
- A clear retirement date and number
- Regular reviews to keep the plan on track
What you get
Investment Management
A portfolio built and managed in an Altruist account in your name. Log in anytime.
Included
Tax Planning
Year-round planning alongside your CPA so you pay the least you legally can.
Included
Cash Flow and Budgeting
Know where every dollar goes and build a cushion for slow months.
Included
Insurance Planning
Make sure your family and income are protected if something goes wrong.
Included
College Planning
A plan to pay for the kids' school without wrecking your retirement.
Included
Retirement Planning
A real number and a real date — and a plan to hit both.
Included
Estate Planning
Wills, trusts, and beneficiaries lined up so your family is taken care of.
Included
$4,995
One-time fee. You get the full plan built — then six months of working it with me, starting the day you pay. Pay in full, or split into 3 monthly payments of $1,665. Founding rate — exclusively for the first 5 clients, then $7,995.
Optional add-ons — when you need them
Fractional CFO
A monthly call on the business numbers — cash, margins, and what the next hire is worth.
Exit Strategy
Get the company ready to sell — to private equity or anyone else.
Not part of the core plan. Priced separately, only if and when you want them.
After those six months, the Maintenance Plan keeps tax planning, financial planning, and investment management going. It's $997/month or 1% of managed assets per year, whichever is greater (1% only becomes the bigger number above about $1.2M invested). Month to month. Cancel anytime with 30 days' notice. Fractional CFO and Exit Strategy are scoped and priced separately.
The shortcut
SKIP THE FUNNEL. JUST BOOK THE CALL.
No download required. Thirty minutes, no cost, no pitch. Tell me the numbers and what's keeping you up — I'll tell you what I'd do.
And yes, you still get the Playbook. It's on the confirmation page when you book, and I'll walk you through it on the call.
Free. No obligation. Nothing gets sold to you on this call.
01
PICK A TIME
Thirty minutes on my calendar. Two clicks.
02
WE TALK
I'll tell you what I see and what I'd do. If I'm not the right fit, I'll say so.
03
WE BUILD IT
Money under control, taxes planned, and real wealth outside the business.
STOP TIPPING THE IRS.
Keep more of what you earn. Build wealth beyond your business. Protect the future you've worked so hard to earn.
Two minutes. Then we talk.
Your information stays with Steel Toe Wealth. We don't sell or share it.