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Is your family missing a massive wealth building opportunity?

You:

  • Pay too much in taxes

  • Have no real system to build multi-generational wealth

  • Give your kids an allowance that does nothing for their future

 

Meanwhile, the tax code literally allows you to:

  • Hire your minor children in your business

  • Deduct their wages from your business income

  • Keep those wages tax-free in their hands (within standard deduction limits)

  • And use that earned income to fund a Roth IRA in their name

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Most people just don’t know how to do it correctly.

Introducing: The Kid Payroll Playbook

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A practical, no-fluff “how-to” manual that shows California business owners:

  • What the strategy is

  • Why it’s legal and powerful

  • Exactly how to implement it step-by-step

  • How to turn kid wages into a Roth IRA that can grow to seven figures

 

What’s Inside

Inside the Playbook, you’ll learn:

  • ✅ The exact entity structures that unlock the family-employee tax benefits

  • ✅ The federal rules that make your child’s wages FICA/FUTA-exempt in the right setup

  • ✅ The California rules around EDD, UI/ETT/SDI, and PIT wages for family employees

  • ✅ How to design an age-appropriate job for your child

  • ✅ How to set a reasonable wage you can defend if the IRS ever asks

  • ✅ How to onboard your child like a real employee

  • ✅ How to register with CA EDD and what to click

  • ✅ A simple breakdown of quarterly and annual federal + state filings

  • ✅ How to open and fund a custodial Roth IRA and stay within the rules

  • ✅ How $5,000/year of “kid wages” can realistically reach $1M+ by age 40 with an 8% assumed return

  • ✅ Exactly what to keep in your “audit defense” binder

 

Plus:

  • A one-page annual checklist you can print and keep on your desk.

 

The Math

One example from the guide:

  • $5,000/year into a child’s Roth IRA

  • Contributed from ages 1–18 (18 years, $90k total)

  • That single 18-year funding window can grow to over $1,000,000 on its own – and that’s all tax-free Roth money if distribution rules are met.

 

There are no guarantees and returns vary. But the power of early, tax-free compounding is very real.

 

Who This Is For

This playbook is designed for:

  • ✅ California business owners

  • ✅ Running a sole proprietorship, single-member LLC taxed as a sole prop, or parents-only partnership

  • ✅ With at least one minor child who can do real, age-appropriate work

 

If that’s you, this guide will show you exactly how to deploy this strategy.

 

If you’re an S-corp/C-corp owner or have more complex structures, the concepts still apply, but you’ll need more customization with your CPA.

 

What You Get

When you buy The Kid Payroll Playbook, you get:

  • 📘 A detailed, step-by-step PDF manual 

  • 📄 A printable Annual Checklist (one-page reference)

  • 🗂 Suggested “Audit Defense File” structure so you know what to store and where

  • ⚙️ Clear explanations of:

    • Federal rules (family employment, standard deduction, Roth IRA)

    • California specifics

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