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5 Ways a Transactional Tax Planner Can Help You

According to a CNBC and Acorns Invest in You Savings Survey, 75% of Americans manage their savings without any help from a professional. With debt increasing and living expenses rising, it’s never been more critical for the average person to set realistic financial goals and stick to them. On top of this, financial literacy cost Americans nearly $1,400 in 2021 alone, making help from an investment professional paramount. But where to start if you’ve never worked with a transactional tax planner? The problem isn’t that there isn’t enough information – in fact, there’s an abundance of it. Instead, you need to cut through the noise and find the best solution for your family or business. Here are five ways a transactional tax planner can help you and why you need one.

What is a Transactional Tax Planner?

A transactional tax planner is someone who counsels clients on their wealth management needs and adds value while minimizing their financial risk. A transactional tax planner might outline a plan or plans for you to follow, or they might recommend that you go with specific products and investment vehicles.

You might turn to a transactional tax planner if you’re looking to put together a retirement savings plan, or you might reach out to one for an answer to a question about life insurance or business tax. Considering how broad the job can be, let’s look at five specific things that a transactional tax planner does.

#1 They Work With You to Assess Your Goals

No matter which direction you’re looking to go with your money, an excellent transactional tax planner will start by assessing your current financial situation and talking with you about your future goals and tax burdens. By setting up this framework at the start, your advisor will start tailoring the approach to fit you.

#2 Creating a Customized Plan

According to a recent report from the Stanford Center on Longevity, people are saving about half of what they should be for retirement. Whether you’re looking to save for retirement or optimize your tax benefits, a professional transactional tax planner will have the tools, skills, and experience needed to help you achieve your financial goals.

#3 They Advise You When Unexpected Events Occur

It’s impossible to predict where life will take you next or what unexpected changes and expenses might appear. Here are just a few situations a professional could help you through:

Inherited money and are looking for investment advice and planning
Have recently gotten divorced and need to adjust your finances
Want to help your parents with their finances as they reach their twilight years.

A transactional tax planner will help you through any life transitions for you or your business.

#4 Accurately Setup and Monitor Accounts

If the thought of manually setting up a brokerage account and figuring out how to invest your money has you breaking out in a sweat, it might be time to start a conversation with a transactional tax planner. Beyond assessing your goals, developing a plan, and advising you in hard times, they’ll also be able to do the heavy-lifting when it comes to managing your money. They’ll do this, too, while ensuring that your tax burden is minimal.

#5 Keep an Eye Out for Opportunities

Chances are you don’t know the ins and outs of insurance policies and mortgages, and that’s okay. A professional will and they’ll be able to find investment vehicles that make sense given the unique goals of you or your business.

Why Do You Need a Transactional Tax Planner?

Even though three-quarters of Americans manage their savings, their interest in professional help is straightforward. As an example, according to Google, mobile searches for “financial advisors” grew by 75% in the space of two years. Let’s look at some tangible reasons to hire a transactional tax planner.

The way that most people find their way into the office of a transactional tax planner comes down to a lack of time. Many wonder whether they should use a transactional tax planner or handle things independently, but a busy schedule quickly answers the question for them. Managing your money and taxes isn’t an easy thing to do, and it can be challenging to devote the kind of time it takes to do this right.

As you grow older, gain more wealth, and experience life changes, your priorities will adjust accordingly. Maybe you’re looking to combine finances with your partner after getting married, or perhaps you’re due to have a baby soon and need to work on your budget before the little one arrives. You could even be looking to incorporate your first business. Whatever it is, the right advisor will have years (if not decades) of experience handling situations just like these.

We Assist with Transactional Tax Planning

At Norman Spencer Law Group, our team is committed to advancing transactions that meet your objectives. We collaborate with internal tax and accounting departments and outside firms to design a plan that will yield optimal after-tax results. At the Norman Spencer Law Group, our transactional tax planning attorneys deliver valuable tax and business services covering the full spectrum of laws. We collaborate with your advisors and affiliates, including any underwriters, accountants, lenders, investors, and financial advisors. We have the expertise to provide concrete, tangible solutions that will work for you.

Securities Fraud and Alternative Data Enforcement

Blog, Securities Fraud

Recent enforcement actions by the SEC, or U.S. Securities and Exchange Commission, have spotlighted things like crypto and other alternative data. In 2021 alone, the SEC reported a 7% increase in enforcement actions, totaling $1 billion in awards. Along with that, there’s been a massive explosion in the alternative data industry. In 2020, the industry was valued at $1.72 billion and may climb to a shocking $70 billion by 2028. With these kinds of seismic shifts in the industry, it’s no wonder that there’s been a noticeable impact on securities fraud and alternative data enforcement.

Crypto Regulation

With the recent public interest in cryptocurrency, blockchain technology, and NFTs, the SEC has adjusted its enforcement strategies. These new technologies are prone to scams, fraud, and other types of misconduct. In just one recent high-profile case, scammers stole more than $1.7 million in NFTs in an apparent phishing attack.

Another way that crypto has been on the radar of the SEC is in Ponzi schemes. Investment scams are nothing new and have been going on for years. It’s common for scam artists to lure investors into investing their money with “little to no risk,” only for that money to be diverted into the scammer’s account. What’s new here is crypto and other virtual currency.

Securities Fraud and Alternative Data Excitement is Exploited

For many new investors, cryptocurrency can seem like an exciting new prospect. It’s that same excitement that is then used by fraudsters to encourage investors to put money in before the window of opportunity closes. Those who would not fall for a traditional Ponzi scheme might still be at risk of being victimized in a crypto Ponzi scheme. Investors are less skeptical of an opportunity when it involves something new or cutting-edge.

In one recent case, the organizer of a Ponzi scheme advertised a “Bitcoin investment opportunity” in an online forum. Investors were promised that they would receive up to 7% interest per week and that their investments would be used to generate returns. Instead, Bitcoins invested were used to pay investors and exchanged into dollars to pay the organizer’s expenses.

What is Alternative Data?

Alternative data is becoming increasingly popular in investment decision-making. Simply put, this is when a company incorporates large volumes of data that are found outside their public filings. This has been expected as data itself has only increased in availability. Typically, data analysts working on investment funds will pull from a variety of data sources. This could range from data on commercial transactions to information about human behavior, and all used to inform investment decisions in trading securities.

Along with crypto Ponzi schemes and related enforcement actions, there’s been an uptick in SEC interest regarding alternative data. The SEC had shown interest in alternative data before, but it wasn’t until very recently that it had taken its first enforcement action in that field.

Securities Fraud and Alternative Data Issues

The use of alternative data itself isn’t illegal, but it’s become quite common for it to be used during the commission of other crimes. It often occurs when companies and executives misrepresent their data sources. Another similar issue comes when executives misrepresent how data is collected or how that data is provided to subscribers.

Along with misrepresentations with alternative data and fraud schemes with crypto, the SEC has several other charges it prosecutes, including:

Filing False Quarterly Or Annual Reports
Investment Advisor Misconduct
Insider Trading
Improper Investments
Misrepresentation To Investors
Stock Embezzlement
Manipulations With Stock Options To Executives
Making False Promises Of Exaggerated Returns On Investments
Inappropriate Use Of Offshore Accounts
Making False Press Releases
Inflating Reported Assets

As you might expect, this list is by no means exhaustive but instead represents some of the most common charges the SEC tends to pursue.

What Could Happen if I’m Faced With Charges?

Long-term consequences include fines or jail time for a securities fraud conviction. There are also some more immediate effects as well. You could face severe monetary penalties and fines, injunctive relief, and the confiscation of any illegal funds. You could also be prohibited from serving as an officer in a public company. These consequences by themselves can be severe, and that’s before considering the prison sentencing that could come along with that.

The sobering fact here is that there are no limits to who can be tried and convicted of securities fraud. There are some common categories of people who will tend to be charged. Some of those individuals include executives accused of insider trading, investment brokers who are being investigated for misrepresenting financial products, executives suspected of making false accounting entries, and people who give some type of investment advice or sell securities without a license.

Most Investigations Aren’t Criminal at First

The critical thing to keep in mind is that most SEC investigations are not criminal from the outset, and they often begin as civil cases that then progress as evidence is collected. Another essential thing to note is that the SEC isn’t the only body investigating or enforcing these charges. It’s common for the SEC to pass cases to the Department of Justice, so defendants must get the proper legal representation to help with their issues.

Guidance on Securities Fraud and Alternative Data

With decades of combined experience in the field of securities fraud and enforcement, the Norman Spencer Law Group is just the legal firm for you. No issue is too big or small for us, too complex or straightforward. We’re available whenever and wherever we’re needed, and our dedicated and skilled team is just a click or call away.

Civil Tax Controversies and Trials FAQs

Blog, Tax Fraud

It’s no secret that tax law is complicated, complex, and often downright confusing. It’s why more people than ever are going with professionals when it comes to filing their taxes, and it’s also why it’s vitally important to understand what civil tax controversies are and what these trials look like. These civil tax controversies and trials FAQs will cover:

What tax controversies are
Civil vs. criminal tax controversies
How trials get brought up
The shortcomings of audit protection
Reasons for a controversy going to court
The importance of hiring a competent tax law attorney

Put simply, you can’t afford to have tax liability. Whether you haven’t filed in the past or your filings have been inaccurate, you could be on the radar of the Internal Revenue Service or IRS. With all of that in mind, let’s look at what civil tax controversies are and how you can avoid liability.

What is a Civil Tax Controversy?

Civil tax controversy is its own area of legal practice that covers any disputes between a tax collecting entity such as the IRS and a taxpayer. This can come as a direct result of an audit, and it often does, but this is not a requirement.

Is There Another Type of Tax Controversy?

Tax controversies can be broken up into two categories: civil and criminal. In a criminal tax controversy, a ruling against a defendant could result in either probation or jail time (loss of freedom). In contrast, a civil tax controversy will typically result in penalties against the defendant (loss of assets). While civil tax controversies are less severe than criminal tax controversies, penalties should be avoided at all costs.

How Might Civil Tax Controversy and Trials Occur?

One of the most common charges pursued in a civil case is civil tax fraud. This could result in penalties that get brought up due to a taxpayer not filing their taxes or willfully filing information that they know is fraudulent. It’s important to remember that even not filing your taxes is fraud. The way this is justified is that since there is a minimum income requirement for taxpayers to have to pay their taxes, not filing yours at all even though you make the minimum income requirement qualifies as fraudulent activity.

What if I Filed My Taxes With a Service That Has Audit Protection?

It’s common to see tax filing services that offer some degree of audit protection, often for a small fee. While there is some protection here, this isn’t going to prevent the IRS from conducting an audit or discovering discrepancies somewhere along the way. There is no surefire way to prevent the IRS from finding an instance of civil or criminal tax fraud short of ensuring that your taxes are filed correctly so that there is no fraud being committed at all.

Will This Go to Court?

Not necessarily. There are only two tax controversies that tend to be prosecuted: a deficiency action or a refund action.

Deficiency Action: In a deficiency action, the U.S. Tax Court will file a lawsuit to contest what they see as a deficiency. In other words, they believe that you have not paid the total amount you are supposed to pay, so they’re bringing up a suit to settle the matter.

Refund Action: A refund action is a little different. In a typical refund action, the taxpayer brings up the suit. These are commonly brought up when a taxpayer believes that they have overpaid their taxes and wants a refund.

Civil tax controversies that don’t fall under these actions tend not to go to trial. Instead, they are handled between the Internal Revenue Service and the taxpayer themselves, without court. It’s important to remember, though, that a civil tax controversy is a serious thing to deal with, whether or not you’re going to court over it. No matter what your specific situation is, you should seek out the services of a competent civil tax attorney.

What Type of Lawyer Handles Civil Tax Controversies and Trials?

The sad reality is that not all attorneys represent all aspects of law or even tax law. Along with that, some attorneys and firms will have far more experience and skill than others. When you consider the fact that an adverse finding or ruling could result in the forfeiture of assets and financial strain, not to mention the stress of being under investigation by the Internal Revenue Service, it’s clear that you should seek out the best legal counsel possible.

Civil tax law is complicated, but the important thing here is that you’re not handling this alone. While we’ve covered the basics of civil tax controversies and trials, the point is that your tax attorney will be able to cover the ins and outs of your specific case so that you can rest easy and not be forced to represent yourself. You must pick the right civil tax attorney for the job.

Ask Norman Spencer Law Group About Civil Tax Controversies and Trials

With so many civil tax attorneys and firms out there, some of them with high ratings and good reviews, it can be tough to find the one that can help with your case. You need a firm that has decades of experience handling tax controversies like yours and experience with handling the Internal Revenue Service. A firm like the Norman Spencer Law Group.

If you’re facing an investigation by the IRS or even if your case has progressed further and is facing trial, we’re here to help. Feel free to reach out with the particulars of your situation, and someone from our dedicated team will get back to you as soon as possible to help you out.

How Do Government Investigations Work?

Blog, Government Investigations

You’d perhaps be justified in not knowing the ins and outs of government investigations. Most don’t think they’ll be on the receiving end of one. Many even assume that it couldn’t happen to them. The reality is that there are a variety of offenses or activities that could lead to an investigation. You might not be aware of an investigation even while it’s being carried out. Let’s take a look at what government investigations are, what you can be investigated for, and how to protect yourself.

What is a Government Investigation?

It might seem like a simple question, but there’s a lot more to it than you might expect. Besides criminal investigations, the government can also carry out civil investigations. In civil cases, this will typically be related to tax matters. In cases like these, you’ll typically be under investigation by the Internal Revenue Service, or IRS.

The distinction between civil and criminal investigations is that a finding against you in a civil case will result in penalties that amount to loss of assets. In a criminal investigation, a finding against you would result in prison time or probation, or loss of freedom.

It’s important to remember that there are many agencies at play, and the nature of your investigation will depend on the particulars of your case. With that said, here are a few activities that could result in a government investigation:

Consumer rights violations
Insurance fraud
Tax fraud
Narcotics trafficking
Medicaid fraud
Racketeering
Loan sharking
Other assorted tax crimes

Will I Be Able to Tell I’m Involved in Government Investigations?

Not necessarily. While there are certain times when you might be tipped off or even times when an agency might alert you, it’s more likely that you won’t know you’re being investigated. The important thing is that if you even suspect you’re under investigation, you should consult with an attorney immediately. You’re much better off retaining counsel and having the situation amount to nothing than getting blindsided by an advanced investigation.

Along with this, an experienced attorney or firm will be able to look into your affairs and see whether you’re at risk of liability. Especially in tax matters, it literally pays to have an attorney on board who can ensure you’re on the level.

Will I Get Arrested?

Again, an arrest is not necessarily going to be the outcome. Many don’t know this, but the majority of government investigations are not criminal, at least at first. It could happen that in the course of looking into a case, though, things will move in that direction.

One of the most important things to remember is that these things follow a set procedure. In the early stages of an investigation, this will all closely resemble standard police work. Authorities and investigators will conduct interviews where appropriate, collect evidence, and build their case in any way they can. In such a situation, you might be tipped off to a potential investigation should one of your associates be interviewed. You could also hear from a firm you work with, letting you know that evidence has been collected. No matter what the particular situation looks like for you, there might be things that clue you in to the fact that you’re being investigated.

Again, at the first hint that you might be under investigation, you should enlist the help of an experienced and skilled attorney right away.

What to Do During a Government Investigation

Along with hiring an attorney, one of the best things you can do for yourself would be to not speak with investigators at all. Some amount of cooperation is required of you, but you can and should only do this under the advice of your lawyer.

Investigators have years of experience at getting information out of those they’re looking into. This could come in the form of threats and intimidation, but it could also be what seems like a simple phone call or polite visit. Everything you say to an investigator can and will be used against you, so your best bet is to speak with a lawyer before saying a word to investigators.

Choosing a Qualified Attorney

This is where things can get a bit tricky. With the large number of review sites that are out there, it can be difficult to know that the attorney or firm you’ve chosen is as qualified as they claim. Many of the review sites are reputable, but some are not, and attorneys prey on this by buying fake reviews.

So how can you be sure that the attorney you’ve chosen is legitimate? It’s best to look at their Google reviews, their overall experience, and their track record. Google reviews are a trustworthy source and will give you a more realistic idea of performance than some other sites that are out there.

Along with reviews, look at how long the firm has been in operation. Dig into some of their past cases and results, especially in the area of your investigation. The sad reality is that not all firms are equal, and your choice of firm could be the difference between a dropped investigation and jail time.

How Norman Spencer Law Group Can Help

The dedicated and skilled attorneys at the Norman Spencer Law Group have literal decades of combined experience in government investigations. We have what it takes to make sure that you get the results you both need and deserve. We’ve represented people from all walks of life, and there really is no case that’s too big or small for us, too complex or direct. We have a proven track record of success at both the state and federal level.

Along with that, we have plenty of experience dealing with prosecutors, Attorneys General, and a variety of other government agencies. So if you’re facing legal trouble, please don’t delay. Get in touch with our team today, and we will get you on your way to where you want and need to be.

What Goes Into Making an Estate Plan?

Blog, Trusts

Making an estate plan can by its very nature be stressful and uncomfortable, but it’s also important and necessary. Unexpected events happen all the time, and it’s better to have a plan in place than none at all should the worst-case scenario occur. When it comes to trusts, estates, and wealth management, there are a few components that you’ll need to address. Let’s take a look at what those are here.

Why You Need a Will

The best place to start with your estate plan is to get a will written. This is a legally binding document that details exactly who will receive your assets and property after your death. Just having a will is not enough, though. A will is only a piece of paper until you have an executor.

What’s an Executor?

The executor is the person in charge of carrying out the directions and directives you’ve put down in your will. If the will is just a piece of paper, the executor is the one who makes it real. Depending on your situation, you might also have a guardian or guardians named, ensuring that your minor children are taken care of in the event of your death or incapacitation.

Beyond being a document that decides where your money and belongings go when you die, a will is a guarantee of your legacy – deciding what that legacy will be is vitally important.

What is a Trust?

Most people have heard about a will, but trusts are where things can get a bit confusing for the average person. Let’s clear up some of that confusion. Put simply, a trust is a legal arrangement where someone (a trustee) holds the legal title of a property or properties on behalf of someone who will eventually receive that property. This person is referred to as a beneficiary.

Benefits of a Trust

One of the main benefits of a trust is that it allows the trustee to determine when the beneficiary will receive the property or asset that’s been set aside for them. This is especially useful in the case of minor beneficiaries and is commonly used as a way to hold onto assets or properties until the beneficiary comes of age or otherwise meets certain criteria that either the writer of the trust, the trustee or both, have determined ahead of time.

Different Types of Trusts

As you might expect, there are a couple of different types of trust depending on the needs of the estate. The two main types of trust are revocable trust and irrevocable trust.

Revocable Trust: In a revocable trust, you retain control over all of the assets in the trust, and you have the right to change the terms or revoke the trust at any time.
Irrevocable Trust: With an irrevocable trust, the assets or properties listed are essentially no longer yours. As you might expect from the name, nothing can be changed here except in cases where the beneficiary themselves gives consent.

Which Trust to Choose When Making an Estate Plan

While this is largely a personal choice and should be made under the guidance of an experienced trust, estate, and wealth management lawyer, one important consideration to make is that, while irrevocable trusts are by their nature very restrictive for the one setting up the trust, their appreciated assets are also not subject to estate taxes.

The Importance of a Power of Attorney

So far, we’ve covered documents and agents that will ensure your legacy is protected and executed in the instance of your death, but what happens if you become ill or incapacitated and are unable to make the necessary financial decisions you’d normally be able to make for yourself?

In this case, you’d want to set up what is known as a power of attorney. Simply put, this is someone you’ve designated to take care of your financial affairs in situations where you’re not able to do this yourself. For married individuals, this will commonly end up being their spouse, which makes it all the more important for those who are single to designate someone as their power of attorney should the worst come to pass. The helpful thing with designating a power of attorney is that you can choose whether this person’s power will be general or specific, allowing you to decide what transactions they can and cannot have a say in while you are either ill or incapacitated.

What is a Medical Directive?

A medical directive, also known as a healthcare directive, has some similarities to a power of attorney in that you’re designating someone to take care of your affairs should you become ill or incapacitated. However, where they differ is that while a power of attorney handles strictly financial issues, a medical directive will focus on making the medical decisions that need to be made for you while you’re ill or incapacitated.

The guiding documents that will come into play here are the living will, which we’ve covered, and also the healthcare proxy. A healthcare proxy is simply an official document that designates who will make your medical decisions for you in the event of your illness.

How About a Beneficiary Designation?

Your beneficiary designation will determine who receives what benefits when you pass. This taken with the contingencies we’ve outlined will set you up for a comprehensive estate plan.

Why Making An Estate Plan is Important

Having an estate plan isn’t just a matter of practicality – it’s a matter of protecting your legacy. Whether you need a will or are looking to set up a trust, you’ll need some help getting your estate in order. With the right estate attorney or firm, you’ll be able to rest easy knowing that your family will be taken care of long after you’re gone. With decades of combined experience handling all aspects of estate planning, the Norman Spencer Law Group is perfectly positioned to help. Get in touch with us today, and we’d be happy to get started.

Civil vs. Criminal Tax Fraud

Tax Fraud

There are two main types you might be charged for when it comes to tax fraud: civil or criminal. Although they have some overlap, there are also some pretty significant differences. Civil tax fraud will typically end with penalties brought against a taxpayer (loss of their money or assets). In contrast, criminal tax fraud usually results in either jail time or probation (loss of their freedom). When it comes to civil vs. criminal tax fraud, it’s important to remember that a taxpayer can be found liable for both, even for the exact activities/charges.

What is Civil Tax Fraud?

Under the Internal Revenue Code, the government can bring up civil penalties on taxpayers for any type of fraudulent conduct. This fraudulent conduct can include a few different things, from either willfully filing a return that doesn’t have correct information or willfully failing to file their tax return at all.

Section 6663(a) of this code generates a penalty if any underpayment of tax due to fraud shows on a tax return. In situations like these, the government is allowed to bring on a penalty equal to 75% of the part of the underpayment resulting from fraud. To prosecute this fraudulent underpayment penalty, the government needs to provide clear and convincing evidence. Suppose the government can meet this requirement. In that case, the entire underpayment will be assumed to be the result of fraud unless the taxpayer can show by a preponderance of the evidence that any part is not because of fraud. If a joint tax return is filed, the fraud penalty will not apply to both spouses unless a portion of the underpayment is actually because of the spouses’ fraudulent conduct.

It’s essential to note that the fraud penalty even survives the taxpayer’s death who committed the fraud. In various cases, the tax court has also held that the fraud penalty applies where a taxpayer files a fraudulent return and then files an amended return trying to correct the fraud.

Another notable section is section 6651(f). This provides authority for the government to bring on a fraudulent failure to file a penalty. Under this code, the government can charge a 75% penalty on the tax shown on a return. This is usually pursued if the taxpayer fails to file their return, specifically with the intent to evade tax. To successfully pursue this, of course, the government has to prove by clear and convincing evidence that the taxpayer’s failure to timely file was intentional on their part and that they were trying to evade the tax that they owed.

What is Criminal Tax Fraud?

Many different provisions have to do with criminal tax fraud in the code. These include tax evasion, willful failure to collect or pay over tax, and even failure to file a return or provide information to pay your taxes.

What About Tax Evasion?

When people think of criminal tax fraud, they’re probably the first to think of tax evasion. It’s a felony for any person to try to evade paying their taxes willfully. The law is pretty broad on purpose to cover the many different ways that defendants might avoid paying their taxes. In legal terminology, a person can only be found guilty of tax evasion if the government can show beyond a reasonable doubt that there was willfulness, there was a tax deficiency, and there was some sort of affirmative action that the person took part in avoid paying taxes. In general, tax evasion falls either under an evasion of an assessment or an evasion of tax payment.

Civil vs. Criminal Tax Fraud Differences

There are some definite similarities in civil and criminal tax fraud, but there are also some crucial differences. The main differences between civil and criminal tax fraud are:

Statute of Limitations: In general, there is no statute of limitations for the government to bring up fraud penalties when it comes to civil tax fraud. With that said, for most criminal tax fraud cases, the government has six years to bring up a criminal case.
Burden of Proof: The burden of proof is a legal term, but it has to do with the obligation that’s brought upon one party in a court proceeding to offer evidence to a judge or jury. For civil tax fraud, the burden of proof is on the government to show clear and convincing evidence of fraud. For criminal tax fraud cases, there’s a constitutional requirement that makes it, so the government needs to prove all the elements of the statute that are at issue beyond a reasonable doubt.

The Importance of Experienced Lawyers

To advise you properly, a lawyer must thoroughly understand the differences between civil and criminal tax fraud. In many cases, if there are allegations of civil tax fraud, there are also going to be allegations of criminal conduct. When a client is exposed to either civil or criminal tax exposure, it’s a good idea to take advantage of all the different programs that the IRS offers to taxpayers to become compliant with little criminal exposure. This is by no means an exhaustive breakdown of civil vs. criminal tax fraud, but it should give you more information on the similarities and differences involved. At Norman Spencer Law Group, we can advise you and represent you in any type of tax fraud. Call for more information today!

Norman Spencer Law Group