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Sound familiar?
“The plateau is a planning problem.”
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Revenue keeps climbing, but what you take home hasn't kept pace.
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Payroll is your biggest line item, and every dollar of margin is a fight.
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Cash sits in the operating account because you're not sure where else it should go.
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Your CPA files your taxes. Nobody is planning them.
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Most of your net worth is tied up in the agency. For many owners, that's roughly 80%, based on Exit Planning Institute estimates.
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You don't know what the agency is worth today, or what a sale would actually put in your pocket.
Many agencies stall somewhere between $2 and $4 million. Owners usually look for the fix in operations: more referrals, more caregivers, more hours. Often the bigger lever is how the money moves once it's earned. That means how the business is structured, how profit leaves the company, and how much of it you keep.
What we build
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Structuring. The right entity and compensation setup, so you're not paying more tax than you need to on what you earn.
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Your financial ecosystem. A plan to move a share of profit, often around 25%, off the company balance sheet and into assets you control, on a schedule.
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Tax strategy. Planning that happens all year, not just in April.
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Retirement plans that fit a home care workforce. Plan designs that make sense with a large hourly team, not just copied from a template.
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Exit planning. For many owners, retirement comes in two stages: a sale, then a gap before traditional retirement age. We plan for both, starting with what the sale actually nets you.
Why Phelix
“The conversation every owner deserves.”
Jason grew up watching his mother run a day care. Nobody ever sat down with her to talk about making the business profitable. He built Phelix to be the person who has that conversation.
Today Jason and Daniel bring over 10 years in home care, home health and healthcare-adjacent industries. Together they've served well over 500 families, and they show up at the rooms you're in: HCAOA, CAHSAH, HOMECAREceo, Home Care Evolution and more.
How it works
“Bring your questions. We'll tell you what we see.”
1. A free 30-minute call. You bring your questions, and we tell you what we see.
2. We look at the numbers. That means the agency and your personal finances together.
3. We build the plan. It covers your business, your taxes and your exit, as one plan.
4. We stay with you. As the agency grows, the plan grows with it.
