Disclosures

Accounting, payroll and tax services

Bookkeeping, payroll, tax preparation, tax planning, financial statement preparation and accounting consulting are provided by JV Financial Services LLC, a Texas limited liability company owned by Jorge L. Verar. JV Financial Services LLC is not a licensed certified public accounting firm and is not registered with the Texas State Board of Public Accountancy or the Public Company Accounting Oversight Board. It does not perform audits, reviews, compilations, agreed-upon procedures or any other attest service, and it does not issue reports on financial statements. These services are not represented as services of a certified public accountant. Financial statements we prepare are the responsibility of the client's management.

Insurance and annuity products

Insurance and annuity products are offered separately by Jorge L. Verar, doing business as JV Financial Services, a licensed insurance agent in Texas (License #3035260). He is an independent agent, personally appointed with National Life Group, American Equity, Athene and Lafayette Life through Best Financial Partners LLC, an independent marketing organization, and is not an employee of Best Financial Partners LLC or of any insurance company. JV Financial Services LLC is not a licensed insurance agency; it does not sell, solicit or negotiate insurance and does not receive insurance commissions. Products and features vary by carrier and by state.

How we are paid, and the conflicts that creates

JV Financial Services LLC charges fees for accounting, payroll and tax services as set out in each engagement letter. Separately, Jorge L. Verar receives commissions from insurance carriers when you purchase an insurance or annuity product through him, and receives nothing if you keep your current arrangements. Because the same person may prepare your taxes or keep your books and also be able to sell you a product, this is a conflict of interest. It is disclosed to you in writing no later than the time of any recommendation; every comparison includes the option of changing nothing; and you are never required to buy a product to receive accounting or tax services.

Use of tax return information

Information you provide for tax preparation is used only to prepare your return and related tax planning. We do not use or disclose tax return information for any other purpose, including discussing insurance, annuities or retirement products, unless you sign a separate written consent that meets the requirements of Internal Revenue Code §7216 and its regulations. You may refuse or revoke that consent at any time.

Not an investment adviser or broker-dealer

Neither Jorge L. Verar nor JV Financial Services LLC is a registered investment adviser or broker-dealer, and neither offers securities, variable products or investment advice.

Guarantees

Any guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Annuities and life insurance are not bank deposits, are not FDIC insured, are not insured by any federal government agency and are not guaranteed by any bank. Fixed index annuities are not an investment in the stock market or any index. Surrender charges may apply, and withdrawals before age 59½ may be subject to a 10% federal additional tax.

Relationship to JV CPA INC.

JV CPA INC. is winding down its operations. JV Financial Services LLC is a separate company and is not a successor CPA firm. Former JV CPA INC. clients who move non-attest work to JV Financial Services LLC sign a new engagement letter.

General information only

Content on this site, including articles, guides, the planner and calculators, is general educational information. It is not individualized tax, legal, accounting, actuarial or investment advice and does not guarantee any outcome. Calculator results are estimates based on simplified assumptions.

Figures and sources

2026 plan limits are from IRS Notice 2025-67. Tax thresholds are from Rev. Proc. 2025-32. Form 8881 credit details are from the Instructions for Form 8881 (Rev. December 2025). Medicare IRMAA thresholds are from the Centers for Medicare & Medicaid Services. These amounts are indexed and change annually.

Testimonials

Any client testimonial on this site is published with the client's written permission, reflects that client's experience only, and is not a guarantee of future results. No compensation is paid for testimonials.