We are a Florida-based practice serving clients statewide. Most consultations are available virtually via phone, video call, or WhatsApp — so you can work with us from anywhere in Florida. In-person appointments may be available by special arrangement.

Nou se yon pratik ki baze ann Florid ki sèvi kliyan nan tout eta a. Pifò konsiltasyon yo disponib vityèlman pa telefòn, apèl vidyo, oswa WhatsApp — pou ou ka travay avèk nou nenpòt kote ann Florid. Randevou an pèsòn ka disponib pa aranjman espesyal.

Absolutely. Bilingual service in English and Haitian Creole is a core part of who we are. You can communicate with us, receive documents, and get explanations entirely in Kreyòl if that's your preference.

Absoliman. Sèvis bileng an Anglè ak Kreyòl Ayisyen se yon pati fondamantal de ki nou ye. Ou ka kominike avèk nou, resevwa dokiman, ak jwenn eksplikasyon nèt an Kreyòl si se preferans ou.

Yes — your first consultation is completely free with no obligation. We want to understand your situation and make sure we're the right fit before you commit to anything.

Wi — premye konsiltasyon ou a gratis nèt san okenn obligasyon. Nou vle konprann sitiyasyon ou epi asire ke nou se bon mach anvan ou angaje nan anyen.

Yes! That's actually one of our biggest advantages. Because insurance, tax, and legal documents are all handled by the same advisor, we can see your full financial picture and give you more coordinated, effective guidance.

Wi! Sa a se youn nan pi gwo avantaj nou yo. Paske asirans, taks, ak dokiman legal yo tout jere pa menm konseye a, nou ka wè tout sitiyasyon finansyè ou epi ba ou konsèy ki pi kòdone ak efikas.

Term life covers you for a set period (10, 20, or 30 years) and is generally the most affordable option. It's ideal for income replacement while raising a family or paying off a mortgage.

Whole life covers you permanently and builds cash value over time — making it a powerful financial tool as well as protection. It's the foundation of the Infinite Banking Concept (IBC).

Lavi tèm kouvri ou pou yon peryòd defini (10, 20, oswa 30 an) epi li se jeneralman opsyon ki pi abòdab la. Li ideal pou ranplasman revni pandan w ap elve yon fanmi oswa peye yon prè kay.

Lavi antye kouvri ou pou tout tan epi li bati valè kach avèk tan — sa ki fè li yon zouti finansyè pisan ansanm ak pwoteksyon. Se fondasyon Konsèp Bank Enfini (IBC) a.

IBC is a strategy where you use a dividend-paying whole life insurance policy as your own personal bank. You build cash value, borrow against it tax-free for purchases or investments, and repay yourself — keeping your money growing while you use it. It's a powerful wealth-building tool used by many business owners.

IBC se yon estrateji kote ou itilize yon polis asirans lavi antye ki peye dividann kòm bank pèsonèl ou pwòp. Ou bati valè kach, priye kont li san taks pou acha oswa envestisman, epi ou ranbouse tèt ou — kenbe lajan ou ap grandi pandan ou itilize li. Se yon zouti pisan pou bati richès ke anpil pwopriyetè biznis itilize.

Yes. Self-employed individuals can enroll in health insurance through the ACA Marketplace. Depending on your income, you may qualify for subsidies that significantly lower your monthly premium. We help you navigate enrollment and find the right plan.

Wi. Moun ki travay pou tèt yo ka enskri nan asirans sante pa Mache ACA a. Depan sou revni ou, ou ka kalifye pou sibvansyon ki bese prèm mansyèl ou konsiderableman. Nou ede ou navige enskripsyon an epi jwenn bon plan an.

No — as an independent agent, we are not tied to any single carrier. This means we shop the market across multiple companies to find the best coverage and price for your specific needs. Our loyalty is to you, not a brand.

Non — kòm ajan endepandan, nou pa mare ak okenn konpayi. Sa vle di nou fouye mache a nan plizyè konpayi pou jwenn pi bon kouvèti ak pri pou bezwen espesifik ou. Fidelite nou se pou ou, pa pou yon mak.

At a minimum, bring: W-2 or 1099 forms, your Social Security Number (or ITIN), your prior-year tax return (if available), and your bank account info for direct deposit. If you're self-employed, also bring records of income and business expenses. We'll guide you through everything in your consultation.

Omwen, pote: fòm W-2 oswa 1099, Nimewo Sekirite Sosyal ou (oswa ITIN), deklarasyon taks ane anvan ou (si disponib), ak enfòmasyon kont bank ou pou depozit dirèk. Si ou travay pou tèt ou, pote tou dosye revni ak depans biznis. Nou pral gide ou nan tout bagay nan konsiltasyon ou.

Yes. We assist clients with ITIN (Individual Taxpayer Identification Number) applications. An ITIN allows you to file taxes, open a bank account, and build financial history — even without a Social Security Number.

Wi. Nou ede kliyan ak aplikasyon ITIN (Nimewo Idantifikasyon Kontribyab Endividyèl). Yon ITIN pèmèt ou deklare taks, louvri yon kont bank, epi bati istwa finansyè — menm san Nimewo Sekirite Sosyal.

Yes. We can prepare and file prior-year returns and amendments. If you missed a year or filed incorrectly, it's better to correct it proactively. The IRS generally allows up to 3 years to claim a refund.

Wi. Nou ka prepare epi deklare deklarasyon ak amandman ane anvan. Si ou rate yon ane oswa ou te deklare mal, li pi bon pou korije sa proaktivman. IRS a jeneralman pèmèt jiska 3 an pou reklame yon ranbousman.

Yes. We handle tax returns for sole proprietors, LLCs, and small businesses including Schedule C filings. If you're a small business owner, we can also help identify deductions you may be missing.

Wi. Nou jere deklarasyon taks pou sèl pwopriyetè, LLC, ak ti biznis ki gen ladan deklarasyon Orè C. Si ou se yon pwopriyetè ti biznis, nou ka ede ou tou idantifye dediksyon ou ka rate.

No — we are not attorneys and do not provide legal advice. We provide document preparation services only, helping you accurately complete and organize USCIS forms and other legal documents. For complex legal situations, we will refer you to a licensed immigration attorney.

Non — nou pa avoka epi nou pa bay konsèy legal. Nou bay sèvis preparasyon dokiman sèlman, ede ou konplete ak òganize fòm USCIS ak lòt dokiman legal avèk presizyon. Pou sitiyasyon legal konplèks, nou pral refere ou a yon avoka imigrasyon lisansye.

We commonly assist with: I-485 (Adjustment of Status), I-130 (Petition for Alien Relative), I-765 (Employment Authorization), I-131 (Travel Document), N-400 (Naturalization), I-90 (Green Card Renewal), and DACA renewals. Contact us if you need help with a form not listed.

Nou koumanse ede ak: I-485 (Ajisteman Estati), I-130 (Petisyon pou Relatif Etranje), I-765 (Otorizasyon Travay), I-131 (Dokiman Vwayaj), N-400 (Natiralizasyon), I-90 (Renouvèlman Kat Vèt), ak renouvèlman DACA. Kontakte nou si ou bezwen èd ak yon fòm ki pa nan lis la.

It depends on the complexity of the form and how quickly you provide the required supporting documents. Simple forms may take 3–5 business days; more complex packages may take 1–2 weeks. We will give you a clear timeline at your consultation.

Sa depan sou konpleksite fòm nan ak vitès ou bay dokiman sipò obligatwa yo. Fòm senp ka pran 3–5 jou ouvrab; pakè ki pi konplèks ka pran 1–2 semèn. Nou pral ba ou yon kalandriye klè nan konsiltasyon ou.

Yes — we prepare and file Articles of Organization with the Florida Division of Corporations, along with related paperwork like EIN applications and registered agent designation. We are not attorneys, so we don't advise on which business structure is legally best for you; for that decision, we recommend consulting a licensed attorney or CPA first.

Wi — nou prepare ak depoze Atik Òganizasyon ak Divizyon Konpayi Florid, ansanm ak papye ki gen rapò tankou aplikasyon EIN ak designasyon ajan anrejistre. Nou pa avoka, alò nou pa konseye sou ki estriktire biznis ki pi bon legalman pou ou; pou desizyon sa a, nou rekòmande konsilte yon avoka oswa CPA lisansye anvan.

Document filing means accurately completing and submitting the forms your business needs — Articles of Organization, EIN applications, DBA registration, annual reports. Legal advice means recommending a specific business structure, drafting custom contracts, or resolving disputes — and that requires a licensed attorney. We handle the former and refer out the latter.

Depo dokiman vle di konplete ak soumèt avèk presizyon fòm biznis ou bezwen yo — Atik Òganizasyon, aplikasyon EIN, enskripsyon DBA, rapò anyèl. Konsèy legal vle di rekòmande yon estriktire biznis espesifik, ekri kontra pèsonalize, oswa rezoud konfli — epi sa mande yon avoka lisansye. Nou jere premye a epi nou refere dezyèm la.

Yes — Florida LLCs and corporations must file an Annual Report each year to stay active. We can prepare and submit it for you, and remind you before your deadline so your business doesn't get administratively dissolved.

Wi — LLC ak konpayi Florid yo dwe depoze yon Rapò Anyèl chak ane pou rete aktif. Nou ka prepare ak soumèt li pou ou, epi fè ou sonje anvan dat limit ou pou biznis ou pa dissoud administrativman.

Pricing varies by service and complexity. Insurance premiums depend on your coverage needs and the carrier. Tax preparation is flat-rate based on the complexity of your return. Paralegal services are priced per form/package. Contact us for a precise quote — the initial consultation is always free.

Pri varye selon sèvis ak konpleksite. Prèm asirans depan sou bezwen kouvèti ou ak konpayi a. Preparasyon taks se yon tarif fiks baze sou konpleksite deklarasyon ou. Sèvis paralegal yo gen pri pa fòm/pakè. Kontakte nou pou yon estimasyon presiz — konsiltasyon inisyal la toujou gratis.

We accept cash, Zelle, CashApp, and major credit/debit cards. Payment plans may be available for paralegal services — ask at your consultation.

Nou aksepte lajan kach, Zelle, CashApp, ak kat kredi/debi prensipal. Plan peman ka disponib pou sèvis paralegal — mande nan konsiltasyon ou.