For seven- and eight-figure business owners, success brings more than just wealth, it brings complexity. And if you’re still handing over 45%, 48%, or even 51% of your income to the IRS, you’re not alone. According to Angie Grainger, CPA/PFS CFP® and Family Office Director, this isn’t just unfortunate, it’s avoidable.
Angie Grainger has spent over two decades transforming the way high-net-worth entrepreneurs approach wealth and taxes. As the founder of Prosperent Co, Angie has built a reputation for uncovering millions of dollars in “money found” moments, strategic tax savings and overlooked opportunities that traditional advisors routinely miss.
Unique Blend of Education and Expertise
With a master’s in taxation and a rare blend of expertise across accounting, investments, and business strategy, she has become the go-to strategist for 7- and 8-figure business owners who want more than cookie-cutter advice. Prosperent operates on the principle that true financial success requires oversight of the entire financial ecosystem— tax, legal, insurance, and business structure— working together under a single, unified strategy.
“You work hard, you win—and then you’re punished for it,” Grainger says. “But the truth is, the Success Penalty is optional. You’re not the problem. The advice you’ve been getting is.”
Through her firm and platform Prosperent Co., Grainger is leading a quiet revolution among America’s top business owners, those tired of conventional financial guidance that simply doesn’t work at their level. Her message is simple and sharp: if you’re still relying on standard tax, insurance, or investment advice, you’re almost certainly overpaying. And you’re missing the one thing that actually works, a Family Office perspective.
The Myth of “Having a Good Team”
Grainger routinely meets clients who already have a recognizable CPA, a seasoned insurance rep, and a trusted investment advisor. Yet when she takes a closer look, the numbers tell a different story. Unfortunately, it’s often one of fragmentation, missed strategies, and silent financial hemorrhaging.
“Everyone’s got a piece of the puzzle, but no one’s overseeing the whole picture,” she explains. “You wouldn’t run your business this way. So why treat your personal finances like an afterthought?”
The Family Office Director model offers a radically different approach—one traditionally reserved for billionaires. It’s not about selling a product or filing a tax return. It’s about providing strategic leadership across your entire financial life: tax, legal, insurance, business structure, investments, and estate planning—fully integrated and aligned to your long-term goals.
Why Traditional Advice Falls Short
Grainger pulls no punches when it comes to industry norms. “The financial market is full of canned advice that doesn’t work once you hit a certain income level,” she says. “It was designed for the middle class—and that’s where it belongs.”
She points to common recommendations: max out your 401(k), buy a life insurance policy for tax-free growth, convert your IRA to a Roth when the market dips. While those strategies may be fine for W-2 earners or small investors, they’re painfully inadequate—and often counterproductive—for business owners managing multiple entities, dynamic cash flow, and complex tax exposure.
“Most advisors are trained to look at products or returns. I’m trained to look at alignment,” Grainger explains. “Your investments, insurance, tax strategy, and business entities should all be working together, not competing with each other.”
The “Money Found” Effect
The difference is more than philosophical, it’s measurable. Here are some actual client stories that Grainger shared:
One CEO paying a 48% effective tax rate saw a $204,000 annual reduction after Grainger restructured his income, optimized his entity structure, and implemented a defined benefit plan. That’s $2 million over ten years that was found, not earned.
Another client preparing for a business exit walked away with $15 million liquid to reinvest and $7 million in tax savings, achieved through entity restructuring, deferred tax strategies, and meticulous oversight.
A couple with over $30 million in real estate assets, who thought they had things under control, saw hundreds of thousands of dollars in tax savings once Grainger’s team uncovered overlooked deductions and reorganized their property structures.
“What’s really going on,” she says, “is that fragmented advice is costing you a fortune. No one’s asking the right questions.”
Reframing the Conversation: Peace of Mind, Not Just Lower Taxes
While tax savings are a major focus, Grainger says that true wealth planning is about something more enduring: peace of mind.
“Behind every business is a person—and that person is trying to create a future for their family,” she says. “That’s where we start. Then we build the strategy around it—with the least taxes, the highest returns, and the least risk possible.”
Even tools like annuities—often dismissed in high-net-worth circles—can be powerful when used correctly. But that’s the key: strategy over product. In the Family Office model, nothing is used off-the-shelf. Everything is tailored.
Control Is the Real Currency
Ultimately, Grainger wants her clients to stop feeling like passengers in their own financial lives.
“The IRS wrote the code. But you get to choose how to play the game,” she says. “Once you step into the Family Office perspective, you stop reacting—and you start architecting.”
Her message is unapologetic: If you’re relying on the same advice as everyone else, you’re getting the same (overpriced) results. The reason you still feel financially exposed isn’t because you’ve failed, it’s because your advisors aren’t seeing the full picture.
The answer isn’t another product. It’s a new lens.
Learn more at angie.cpa
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