What if the real tax challenge isn’t the IRS, complexity, or even income but the quiet lack of structure that slowly erodes your wealth over time?

In this episode of the Make Life Less Taxing Podcast, Daniel Hanzelka sits down with Miguel Palma, founder of Palma Financial Services a CPA who shifted from Deloitte and PwC to building a practice centered on proactive, year-round strategy instead of reactive, once-a-year accounting.

Miguel’s story begins far from boardrooms and spreadsheets. From immigrating as a child during conflict, to working three jobs while earning his degree, to eventually becoming the advisor high-income professionals call when they’re tired of overpaying, Miguel brings a grounded, lived-in perspective on taxes, consistency, and stewardship.

You’ll hear real examples of business owners, professionals, and real estate investors who moved from simply filing taxes to actually using the tax code with intention. And you’ll quickly see why Miguel believes the CPA is the “quarterback” of the advisory team and why the right cadence, structure, and mindset often matter more than any single strategy.

💡 In This Episode, You’ll Discover:

• Why mindset—not math—is the first barrier to reducing unnecessary taxes

• The hidden danger of reactive accounting and “April-only” thinking

• How consistency becomes the engine of long-term wealth building

• Why real estate, structure, and team coordination change everything

• What most high earners misunderstand about tax planning

👤 About Miguel A. Palma

Miguel A. Palma is a CPA and founder of Palma Financial Services. Known for his proactive approach to tax strategy, Miguel helps business owners, professionals, and real estate investors build wealth with clarity, structure, and year-round planning.

📍 Location: San Ramon, California

🌐 Website: https://mpalma.com/

🔗 LinkedIn: https://www.linkedin.com/in/palmafinancialservicesinc/

📞 Contact: (408) 708-9330

📸 Instagram: @mpalmafinancial

📅 Booking Link: https://calendly.com/palma-financial/initial-session-with-miguel

🎧 About the Make Life Less Taxing Podcast

Make Life Less Taxing is a show dedicated to helping people build freedom, clarity, and purpose in every part of their financial life. No hype. No product talk. Just real conversations that help you think differently and live more intentionally.

🌐 More Episodes: https://makelifelesstaxingpodcast.com

📥 Be a Guest: https://makelifelesstaxingpodcast.com/apply

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