What’s the story behind your numbers?

If you don’t know, call us.

People come to us to talk about numbers—taxes, savings plans, financial statements. But we always end up chatting about things like kids in college, plans for retirement, and exciting business ideas.

And that’s exactly how it should be. Whether we’re helping you get the numbers right on your tax plan, or find the right number for your revenue goal, we have you—a person with a story—in mind.

But we always bring it back to the numbers, making sure that your numbers tell the right story about you, and that they drive your story forward in the direction you want to go.

Contact us today.

We can help you with tax planning and preparation, business planning and advice, and HR support for businesses. We’d love to hear your story, and help you build upon it.

Call us at  (209) 527-4220 or send an e-mail to 

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Featured Article

Tax Options Benefitting Young Farmers and Parents
Our ag clients are typically multi-generational, and most of them came into the business as youngsters, often helping grandparents and parents with odd jobs. Farm life offers children many benefits: a strong work ethic, the opportunity for teamwork, important skills — even another language!  “We encourage our clients to take their children’s involvement a step further by properly compensating them and planning ahead for their futures, which can be extraordinarily helpful from both the taxation and college financing perspectives,” mentions Chad Van Houten, Senior Manager and CPA. “The work you do now could help set up generations of success.” PAY YOUR CHILDREN Be sure you pay your children an actual wage so that you can shift some of your business income to a lower tax bracket. Depending on your business structure, you may be exempt from payroll taxes when paying your children under the age of 18. We often recommend that our clients pay their children just below the filing requirement, or be really creative and pay their children higher than a nominal amount – but with a catch! This money should be used to contribute to a savings plan, such as an IRA (including Roth IRA), or to contribute to a 529 college savings plan. Keep in mind Roth IRA and 529 contributions are not pre-tax, which can be tricky. You still want to claim your child as a dependent, so it’s critical to work with your financial advisor to strategically explore other types of education or retirement plans. HEALTH SAVINGS ACCOUNT (HSA) PLAN Enrolling in an HSA plan, with a higher deductible, makes good financial sense for young farmers. The HSA acts as a pre-tax savings account for people who are enrolled in a high-deductible health plan. Funds contributed to an HSA account are excluded from wages or deducted from income and can even be made after year-end for additional planning opportunities. Often times, younger people opt for higher-deducible health plans, but can still find themselves paying a significant amount of money out of pocket due to the higher co-pays and deductibles. This is where HSA accounts come in handy and are especially helpful for a large one-time medical expense in the year, such as the birth of a baby. AVOID THE “KIDDIE” TAX Be sure to work with a member of our accounting team when planning your children’s fair wages to avoid unknowingly creating a filing requirement. You want to be sure and avoid the “kiddie tax,” which according to the IRS occurs “If the child's interest, dividends, and other unearned income total more than $2,100, part of that income may be subject to tax at the parent’s tax rate instead of the child’s tax rate.” PLAN AHEAD! You may want to consider term life or disability insurance policies to cover the period of time when the kids may be too young to farm and earn an income if something were to happen to the parents.  Also, it is almost never too early to start thinking about your trust and estate plan. Creating a living trust to own the farm real estate may help avoid the public governmental probate process in the unfortunate case of the parents passing. BE RESOURCEFUL! Remember, there are many grants and educational resources available through the USDA. Be sure to take advantage of all your options! Specifically, be sure to check out Special financing for new farmers through to the extended Farm Bill. The renewed farm bill allows down payment assistance up to $300,000 at a 1.5% interest rate if you qualify as a new farmer.  Please be sure to give Chad Van Houten or another member of our Ag team a call to discuss any of these suggestions!  

Featured Staff

Karen helps the partners at Grimbleby Coleman with scheduling, coordinating client luncheons, and organizing special events. She's the one you'll want to butter up several weeks before your birthday.

When asked what she enjoys most about working with clients, Karen says, "Before I started working with Grimbleby Coleman, I was afraid of even the initials IRS. Now, I feel comfortable when clients are worried and scared. I can reassure them with confidence that we will assist them in whatever the issue might be."

She's active in several community programs and charities, including the Relay for Life Fundraiser and the children's ministry at First Baptist Church. She also loves swimming and working in her yard.

Karen's favorite number is 7. "For its significance of God's promise to us."

Karen Green Administrative Assistant read more

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