Paying Family Without Payroll Taxes: A SharpCFO-Level Strategy Most Advisors Miss

Precision at speed. This is one of those plays that works beautifully… right up until it doesn’t.

The Idea Everyone Knows… and the Part They Miss

Most advisors stop at the obvious:

“Put your kid on payroll.”

Fine. Basic. Safe. Boring.

That works great if:

• You’re a Schedule C
• Your child is under 18
• You’re okay running full payroll

But here’s the part almost nobody leans into:

You can often pay family members — including older children — without payroll taxes at all… if structured correctly.

And that’s where things go from “tax tip” to strategic tax engineering.