“It brings clarity to big ideas and turns them into practical next steps. The work never ceases to amaze me with its creativity and builder mindset.”
Tax Planning for Business Owners, High-Net-Worth Individuals & Real Estate Investors
Build the strategy before you make the move.
We focus on the decisions most advisors treat as a side conversation: rental real estate and build-to-rent, cost segregation, and how you fund the purchase in the first place.
Ryan D. Eldridge is an author, advisor, and outsourced CFO serving businesses, high-net-worth individuals, and nonprofit organizations with practical financial guidance and proactive planning.
What clients say
“Simple, practical, and easy to follow. It gives people a clear path they can use to move forward with confidence.”
“It brings clarity to business life. The program helps me feel prepared, confident, and ready to move forward.”
Where we go deep
A narrow specialty, carefully separated.
The property, the depreciation, and the capital behind the purchase are usually discussed as one blurry idea. They are three separate decisions with three different rulebooks. We work them individually, then show how they fit together.
Build-to-rent and rental property
New-construction rental inventory and long-term rentals evaluated as an investment first: cash flow, financing, management, and the hold period. The tax treatment follows the structure you actually use.
Real estate strategyCost segregation on property you own
For personally or entity-owned property, we evaluate whether an engineering-based study fits: the projected benefit, your ability to use the deductions, recapture on sale, and the cost of the study itself.
Cost segregationFunding the move
Borrowing against eligible non-retirement investments can create liquidity without an immediate sale. It is still debt: variable rates, collateral requirements, and the risk of a maintenance call or forced liquidation.
Credit Access LineNumbers & Company is a planning and advisory firm—not a lender, broker, or investment advisor—and coordinates with independent professionals for execution. Tax treatment depends on your specific facts; no outcome is guaranteed.
Advisor-Led, Not Automated
Clarity from someone who understands the whole decision.
Ryan D. Eldridge founded Numbers & Company to help people connect their financial decisions to the bigger picture. As an advisor and outsourced CFO, he works with businesses, high-net-worth individuals, and nonprofit organizations on cash flow, financial strategy, and long-term planning.
The author of The Margin Method, The Profit Way, and The Living Margin, Ryan brings a practical, human-led approach: understand the numbers, document the strategy, and help coordinate the next steps.
Client experiences are personal to their circumstances and do not promise a particular tax, financial, or business outcome.The Primary Next Step
The Tax Planning Report
Tax preparation records what already happened. The Tax Planning Report looks forward—identifying potential opportunities, tradeoffs, timing, and the priorities worth discussing before you act.
We review the request
Tell us about the business and the decision that matters most.
We confirm the fit
We review each request before defining scope, timing, and fees.
We build the plan
Accepted engagements move into secure document review, written findings, and consultation.
From questions to a written strategy
What should this look like for you?
You want to know what you can do—and how to structure it well. These are a few of the decisions we help you work through, not a complete checklist. Your plan starts with your business, your goals, and the opportunities that fit your circumstances.
- Entity & owner compensation
How should I structure my business and owner pay as income, responsibilities, and goals change?
- Business expenses
How should I structure and document home rental arrangements under the Augusta Rule and reimbursements through an accountable plan, where appropriate?
- Retirement planning
How should I design retirement contributions around my income, employees, and cash-flow needs?
- Real estate & cost segregation
Who should own the next rental—me, an entity, or a retirement account—and when might cost segregation make sense?
- Access to capital
How should I balance borrowing, available cash, and selling investments to fund my next move?
- Family employment
How should I structure appropriate work, reasonable pay, payroll, and records when employing my children?
A written strategy defines the approach. The right tools help turn it into consistent action and clear records.
See the process at work
Proprietary tools and frameworks.
The strategy comes first; our purpose-built software helps document and carry it forward.
Built for the real estate pathway
Real Estate Professional
In developmentHelp document participation records to support active loss planning.
Planned use: organize property participation records for review with your tax professional.
Short-Term Rental Apps
In developmentSupport clearer tracking and documentation for short-term rental operations.
Planned use: keep rental activity records together for planning conversations.
Credit Access Line
Review borrowing capacity against eligible non-retirement investments as part of a capital plan.
In practice: weigh available credit, repayment capacity, and collateral risk before funding a purchase.
Additional tools, when they fit your situation
Owner Comp
Help document S corporation reasonable compensation to support compliance.
In practice: document an owner’s duties and compensation rationale before setting payroll.
Owner Event
Help document qualified business meetings and events for potential deductions.
In practice: organize a business meeting’s agenda, attendance, and rental documentation.
Kids Wage
Help document a family employment strategy to support reasonable pay and clear records.
In practice: keep a record of a child’s actual work, hours, and pay.
Legacy Ally
Organize estate and succession materials into a single point of truth.
In practice: give your family an organized reference for accounts, key contacts, and wishes.
Independent specialist coordination
When a plan requires outside execution, Numbers & Company can coordinate with independent professionals for entity formation, build-to-rent strategy, cost-segregation studies, business valuations, and related legal, lending, or investment needs. Providers remain independent, and recommendations depend on each client’s facts.
Books by Ryan D. Eldridge
Short, practical frameworks for business, money, and life.
Frequently Asked Questions
Clarity before we start.
What if my CPA already does this?
We frequently work alongside CPAs who focus on historical reporting and compliance. Our process is forward-looking planning informed by past returns—identifying structural opportunities so your CPA has a clear plan to review and file.
How is this different from a bookkeeper?
A bookkeeper organizes your historical transactions. We analyze your broader financial picture to evaluate structural tax opportunities, reasonable compensation, and entity strategies before the year ends.
What does the process actually look like?
It begins with a Tax Planning Report request. If accepted, we conduct a secure document review, provide written findings detailing specific opportunities and tradeoffs, and sit down for a consultation to coordinate execution.
Do I need to switch accountants?
No. Our tax planning and advisory services are designed to collaborate with your existing tax preparer or CPA. We provide the strategic blueprint; they continue to handle your filings.
Can my self-directed IRA and my personal real estate be part of the same plan?
They can both appear in one plan, but they are separate structures with separate rules. When a self-directed IRA owns a property, the IRA owns it—not you—so depreciation and cost segregation generally do not produce a personal deduction, and prohibited-transaction, custodian, non-recourse financing, and UBIT or UDFI questions apply. Personally owned property is where depreciation and cost segregation are evaluated for your return. We keep the two clearly separated rather than blending them.
Where does a brokerage line of credit fit?
A securities-backed line of credit is borrowing against eligible non-retirement investments—retirement accounts cannot be pledged as collateral. It is one way to consider funding a purchase without an immediate sale, and it carries real risk: the debt must be repaid, rates are typically variable, and a decline in portfolio value can trigger a maintenance call or forced liquidation. We help evaluate whether it belongs in your plan alongside your licensed lending and investment professionals.
Make the Next Decision With a Plan