your future your vintage

You've mastered the palate. Now master the plan. Wine and spirits knowledge is your profession — but when it comes to taxes and retirement, most sommeliers are flying blind. Whether you're a W-2 employee at a restaurant group or a 1099 consultant doing private events and education, the IRS isn't going to remind you about the deductions you're leaving on the table. Does this sound familiar? You're not sure whether you're being taxed correctly for your work. You've heard of SEP-IRAs and solo 401(k)s but don't know which one is right for you. Tax season feels like a surprise every year — and not a good one. Join Joe Stephens, CFP and wine industry veteran, as he breaks down exactly what sommeliers and wine professionals need to know to stop overpaying in taxes and start building a retirement plan that actually fits the way you work and earn. In 45 minutes, you'll learn: ✔ Tax strategies for both W-2 and 1099 sommeliers — including which structure benefits you more ✔ Deductions most wine professionals miss before tax season (education, tools, and more) ✔ Steps you can take right now to reduce your tax bill this year ✔ How to start building your own personalized retirement plan that accounts for your actual income You'll walk away with a clear, actionable plan built specifically for wine and spirits professionals who are ready to stop guessing and start planning. Connect w/ Joe: growwithjoe.wine afplanners.com Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Associated Financial Planners and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.