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Get the help you need in your financial future. More than just a plan, you need a guide.

"Our passion goes far beyond strategy and numbers, we want more than anything to help people find the peace available in their finances and hope in their future!"
- Linda Rose Jensen

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Our goal is to increase your profits and business value.

We can help you double your profits in two years if you implement all of our strategies.

Lower Your Taxes
Lower Business Expenses
Exit Planning

Lower FICA Taxes

Reducing FICA taxes by $500 per employee would alleviate financial burdens, fostering economic relief for both employers and workers alike.

Savings on Medical Insurance Premiums

Our customized solutions are tailored to bring you 15%-20% savings on your medical insurance premiums.

Savings on Workers Comp Premiums

Unlock substantial savings on Workers' Compensation premiums, up to 20-50%, through our expert strategies tailored to your business.

Lower Income Taxes

We can help lower your taxes by 80% if you own a privately held company, the owners are paying a minimum of $500K annually, and you have a minimum of a dozen non-related employees!

Lower Your Estate Taxes

Lowering Federal Estate Taxes by 65% enhances intergenerational wealth, empowers families, and fuels economic growth.

Reduce Your Capital Gains Taxes

We have various strategies.  The cost is as little as 1%.  You keep the proceeds from the sale of a business or highly appreciated real estate.

Research & Development Tax Credit

The R&D tax credit is a strategy that provides an immediate source of cash. Your company may qualify for the credit if you have invested time, money and resources toward developing new products, improving existing products, developing new materials, building and testing prototypes and models, developing new or improved software applications, testing new concepts, experimentation and more. The credit is not a deduction—it is an actual dollar-for-dollar credit against taxes owed or paid.

Lifo Inventory Accounting

For businesses that carry inventory of $3 million or more, implementing the LIFO inventory method can generate much-needed cash. LIFO subtracts inflation from inventory costs, reducing ending inventory value, increasing cost of goods sold and decreasing taxable income. As the cost of acquiring or producing inventory grows in subsequent years, so too will the cash savings generated from LIFO.

Cost Segregation Studies

If you own or lease a building, cost segregation is a powerful strategy that uses a detailed engineering-based analysis to reduce federal taxes. Cost segregation provides accelerated depreciation benefits, improved cash flow and reduction of tax liability. Any building that has been constructed, acquired or renovated in the last 15 years, by a tax-paying company that does not show an operating loss or that will be profitable in the near future may qualify. For assets placed in service in the last few years, there may be special bonus depreciation for shorter life property.

State and Local Tax

Understanding your state and local taxes (SALT) is key to ensuring compliance and reducing costly penalties. Whether you’re running an e-commerce business, expanding across state lines, or hiring remote employees, you need to be certain of your state and local tax obligations. Multi-state companies should be preforming business nexus studies to determine what states they have to file sales and income tax returns. Companies that haven't complied the past need to understand the benefits of voluntary disclosure agreements and how they can mitigate your liability. Larger companies may have opportunities for savings through tax exemptions, credits, or deductions, thus reducing the overall tax burden.

20–50% Savings on Workers Comp Premiums

Unlock substantial savings on Workers' Compensation premiums, up to 20–50%, through our expert strategies tailored to your business.

15–20% Savings on Medical Insurance Premiums

Our customized solutions are tailored to bring you 15–20% savings on your medical insurance premiums.

The focus of exit planning is on increasing the value of the business. Increasing the value of your business will increase your profits.

Less than 30% of businesses actually sell.
78% of business owners have no formal transition team of advisors
83% of business owners do not have a plan or have not communicated their plan
67% of business owners do not understand their available exit planning options

Exit Planning is a team sport. The most successful business transitions occur with a solid team of trusted advisors.

- Questions to consider -

  • What does success mean to you?
  • Who are the people that matter the most to you?
  • What are your main business, personal and financial concerns?
  • What is the one thing that keeps you up at night?
  • How do you plan to achieve your life’s vision?
  • Do you want to keep growing or do you want to shift focus to exiting?
  • Have you integrated risk management into your business model?
  • What is your wealth gap?
  • What is the strength of your intangible capital?
  • What is your biggest pain point and biggest desire?
  • Do you understand the value of your business today?
  • Is your business ready to transition?
  • What deal structure are you looking for when selling?
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Linda Rose Jensen

CFF, CLU, ChFC, LUTCF, CLTC, CSA, CFEd, Certified Financial Fiduciary, Financial Services & Insurance Professional, Certified Financial Educator, SOFA Financial Literacy Instructor

Linda Jensen is the principal and owner of Heart Financial Group. Linda began her career with Prudential Preferred in 1994 where she was an agency leader. She earned the credentials of Chartered Financial Consultant and Chartered and Chartered Life Underwriter. Linda is a Certified Financial Fiduciary. She has been in practice as a financial services and insurance professional since then. Linda started her own practice in 1997.

"I have been helping people with their finances for nearly three decades, and along with my passion to teach, is my passion and drive to learn! I've taken 33 exams over the course of my career because I believe the more I know, the more I can help somebody, and that is really what it's all about."
– Linda Rose Jensen

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Heart Financial Group Team

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- The Scary truth -

If you are approaching retirement or already in retirement, the majority of my clients face several major concerns:

Not having a written plan
Taking too many risks
Not knowing when to draw Social Security Benefits
The next market correction and potential losses
Who to call if a partner dies or is incapacitated
Not understanding how long their savings will last in retirement
How much income to take from retirement accounts
Overcome These Concerns!
Schedule a Call Today!

How We help You

"My passion to help people with their finances comes from the fact that I grew up really poor. When I was a little girl my dad worked for the Campbell soup company in Philadelphia and would bring dented cans of soup home for us to eat... My parents were always in debt, and always fighting about their finances." – Linda Jensen

There were so many money problems and we really get to see that close up. We never want to see anyone go through the financial stress Linda saw her family live through. Our passion comes from wanting to help people. From the start of our business, we have had a simple prayer, “God please send us people we can help.”

Heart Financial Group Services

  • Retirement Income Planning
  • Retirement Planning
  • Tax Planning
  • Estate Planning
  • Safe Money Strategies
  • Volatility Protection Strategies
  • Roth Conversion Strategies
  • Optimizing Investment Strategies
  • Maximizing Social Security
  • Managing Investment Risk
  • Reviewing Life Insurance Coverage
  • Optimize Asset Planning
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Linda Rose Jensen

CFF, CLU, ChFC, LUTCF, CLTC, CSA, CFEd, CERTIFIED EXIT PLANNING ADVISOR, Financial Fiduciary, WEALTH MANAGEMENT FOR BUSINESS OWNERS & INDIVIDUALS, Certified Financial Educator, SOFA Financial Literacy Instructor

Linda Jensen is the principal and owner of Heart Financial Group. Linda began her career with Prudential Preferred in 1994 where she was an agency leader. She earned the credentials of Chartered Financial Consultant and Chartered and Chartered Life Underwriter. Linda is a Certified Financial Fiduciary. She has been in practice as a financial services and insurance professional since then. Linda started her own practice in 1997.

"I have been helping people with their finances for nearly three decades, and along with my passion to teach, is my passion and drive to learn! I've taken 33 exams over the course of my career because I believe the more I know, the more I can help somebody, and that is really what it's all about."
– Linda Rose Jensen

Certified Financial Fiduciary LogoSchedule a Call

Heart Financial Group Team

Click Here to View Full Team

My independence creates choices and great flexibility in partners

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Security Benefit LogoAmerico LogoNationwide LogoAthene LogoAmeritas LogoAllianz LogoUnited Healthcare LogoSymetra LogoF&G LogoSilverScript LogoAIG LogoAmerican Equity LogoLincoln Financial Group LogoWellcare LogoAetna Logo