A firm built on a contrarian thesis.
That the way most owner-operators currently receive tax help is structurally broken — not because the people doing it are bad at their jobs, but because the model itself is built backward.
The work nobody is paid to do.
After 26 years inside this industry, the pattern was impossible to miss. The CPA isn’t paid to plan — they’re paid by the return, so the economics of their practice push them toward filing as many returns as possible, as efficiently as possible. The financial advisor isn’t paid to think about taxes — they’re paid on assets under management, so the economics of their practice push them toward gathering assets and keeping them invested.
Neither of those people is doing anything wrong. They’re both doing exactly what their business model rewards. The problem is what gets left in the middle: the strategic work that lives between filing returns and managing accounts. Entity design. Compensation methodology. Benefits architecture. Multi-year tax planning. Exit and transition. The decisions that, for an owner-operator, are by far the highest-dollar leverage in their financial life.
That gap doesn’t exist because nobody noticed it. It exists because the economics of the existing models don’t reward closing it.
We built CACIV to do the work that doesn’t fit either model — and to charge for it directly, so the incentive is aligned with the outcome.
That’s what tax consulting means here. It’s a fee for strategy. The filing and the asset management exist downstream as services for clients who need them — but they’re not the product. The strategy is the product.
Two decades of proactive practice.
Chad Centorbi
Founder of CACIV Consulting and Tax. Practitioner of proactive tax strategy for owner-operators and pre-retirees for 26+ years.
Chad built CACIV after watching the same pattern play out year after year with clients who came to him: smart, successful operators who had done everything right — chosen good professionals, paid them fairly, followed reasonable advice — and were still leaving meaningful tax dollars on the table because the strategic work nobody owned wasn’t being done.
His work has been featured on FOX Business, ABC, CBS, Fortune, and Nasdaq, primarily focused on retirement tax planning, the tax-implications of business transitions, and the structural problems with the way most households currently receive financial advice. He holds the Certified Funds Specialist (CFS®) and Certified Estate & Trust Specialist (CES™) designations.
CACIV and Centorbi Financial Group.
CACIV Consulting and Tax operates as a separate entity from Centorbi Financial Group, Inc. — the wealth management firm Chad has built and operated for decades. The separation is intentional, not cosmetic.
Centorbi Financial Group serves clients whose primary need is investment advisory and household financial planning. CACIV serves clients whose primary need is proactive tax strategy. Some clients work with both firms; many do not. Keeping them structurally separate allows each to focus on what it does best, and ensures that the tax consulting work is never compromised by an investment-advisory incentive.
In practice: when a CACIV client needs investment advisory services as the execution layer of their tax strategy, those services can be provided through the affiliated entity — with full disclosure, separate engagement, and separate fee structure. The tax strategy never depends on the investment relationship, and the investment relationship is never the entry point to the tax work.
Independent coverage and commentary.
The story’s on the page. The work is on the call.
If the thesis resonates and you’re an owner-operator working through the kind of decisions we focus on, the next step is a 30-minute conversation. No pitch. No prep. We’ll talk about whether it’s a fit.