Valley Oak. FINANCIAL START A CONVERSATION

for the business owner —

Keep more of what you build.

Most CPAs report on the past. Ours plan the future. Valley Oak Financial is the CPA arm of the Valley Oak suite — proactive tax strategy, accounting, and payroll for businesses and the families who own them.

THE TAX BLUEPRINT ALL SERVICES ↓

the difference, in one sentence:

A tax return tells you what happened;
a tax plan opens the door to what happens next.

Multi-year modeling · entity optimization · a proactive annual tax projection, with quarterly estimates managed along the way — and the math behind every recommendation.

Planning session with financial documents
every recommendation, validated by the math

Everyday excellence.

Core services

Tax planning & preparation

Business & individual returns, prepared against a plan you've already seen — with a fourth-quarter tax projection so April never surprises you.

Bookkeeping & accounting

Monthly bookkeeping, financial statements, and QuickBooks support that keep your numbers decision-ready, year-round.

Payroll services

Full-service payroll for your team — coordinated with your tax plan, not running parallel to it.

The Tax Blueprint.

How an engagement begins

Our signature process for uncovering missed tax opportunities — built on 25+ years of strategies that are proven, implemented firsthand, and validated by the math.

  1. Step one

    Discovery meeting

    A scheduled conversation about your situation and goals — where you are, where you're headed, and what you suspect is being missed.

  2. Step two

    Discovery deep-dive

    Data collection, financial forecast, and identification of tax-saving opportunities and gaps — delivered as a recorded video analysis.

  3. Step three

    Your Tax Blueprint.

    A customized tax plan: each strategy analyzed, its rate of return quantified, with a guide to implementation.

When the stakes get higher.

Advanced consulting

Engagements for the biggest decisions of a business owner's life. We take no commissions, and every fee — including any performance- or success-based component — is quoted and agreed in writing before work begins. Nothing hidden, nothing that bends our judgment away from your after-tax outcome.

selling in the next 1–3 years?

Business Sale Consulting

Strategic partnership through the most significant transaction of your life — maximizing after-tax proceeds and eliminating due-diligence surprises.

  1. 1Readiness & value optimization — find the value drivers and detractors before buyers do.
  2. 2Financial & tax planning — asset vs. stock scenarios, tax impact modeled before you sign.
  3. 3Transaction strategy — deal structure, earn-outs, and your advisory team, coordinated.
  4. 4Post-sale planning — proceeds integrated into your broader financial plan.

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funding a business with retirement dollars?

ROBS Setup & Support

Rollover-as-Business-Startup structures are a specialty here — we understand the structure, the compliance behind it, and how to use it to put retirement dollars to work in your own business.

  1. 1Setup done right — structure, entity formation, and funding sequence handled with the plan documents in view.
  2. 2Ongoing compliance — the C-corp return, coordination with your third-party administrator, and the bookkeeping and payroll it depends on.
  3. 3Retirement savings, maximized — we use the structure to keep building retirement dollars while you build the business.

TALK TO US ABOUT ROBS

For referring advisors

Bring tax strategy to your best clients.

We partner with wealth advisors to deliver specialized tax strategy for their ultra-affluent clients — a collaborative engagement where you stay at the table and your client gets answers their current CPA hasn't offered. Inquire about advisor partnerships

Looking for Campbell Tersolo & Clyman? You're in the right place.

CAMPBELL TERSOLO & CLYMAN IS NOW VALLEY OAK →

Let's look at your last return together.

Most new clients start with one meeting and one question: "What's being missed?"

BOOK A DISCOVERY MEETING

(269) 492-7220 · 6011 Stadium Drive, Kalamazoo, MI 49009