 You need a tax advisor. You should be getting benefit from it. A financial advisor should be able to let you know that, yeah, we should probably look at a simple IRA in this case. Or we need to look at each individual employee and figure out the contracting. Are they outside of the 1099 rules or are they within it? Look at the cost of this and then start to figure out what is going to be the most efficient way. We will not eliminate everything. There's always going to be risks.