No.420 決算期の社長さまへ

話していると
思わず夢を語りたくなる相手と
評判の竹内美紀です。

漠然とした将来への不安を
明確な課題に変え、
最初の一歩をいっしょに踏み出します。

法人ではありますが
役員ひとりの企業様の
コンサルでした。

決算期にあたり
なんとか税金は払いたくない。

何か、対策はないか。
そんなご要望です。

まず、お金がかからず
償却(損金に計上)できるものは
ないか。

2点ありました。

1.繰越利益剰余金

創業して間もないので
マイナス分が繰り越されています。

2.開業費

開業の時にかかった費用を
計上しています。

創業時期は利益がないので
損金に計上しても
意味がないので
資産計上しているかと
思います。

任意に償却できます。

それでも利益がでます。

やっぱり税金は
払いたくないようです。

案は2つ。

1.税金を払う
払ったあとのお金は
自由に使えます。
すっきり払ってしまいましょう。

2.退職金の準備をする

もともとのご要望で
退職金を用意したいとの
ことでしたので、損金に
計上できる共済や保険で
用意をします。

すると、利益は圧縮し
将来へお金をもって
いくことができます。

退職時期と
共済や保険の解約時期を
きちんと計算することが
大切ですよ。

ブロック図で
確認すると・・・

現状の場合は、キャッシュアウトは
12万円の税金です。

共済(保険)に加入した場合は
10万円の保険料と9万円の税金で
19万円の出費です。
将来、手元に戻ってくるお金では
ありますが、

現在出ていく現金は
対策を講じると増えることに
なります。
つまり、お金は減る。

 

 

 

さて、税金を払いたくない

その理由を
確認する必要があります。

現金を残したい。

とりあえず、次期のお金を
残したいのであれば
下手な対策を講じるよりは
税金を払った方が
いいこともあります。

7年、10年後に向けて
繰り延べしたいので
あれば、
方策はいくつかあります。

ただし、現在、現金は
使うことになります。

将来を見据えるのか
目の前のキャッシュフローか。

そこが社長さんの
ご判断ですよ。

そうそう、所得として
所得税、社会保険料も
計上されることと
比較して

その分を退職金として
蓄えることもひとつの
手段です。

詳しくは
お問い合わせください。

さて、月末まで
あとわずか。
ご判断の一助に
なれば☆

お忙しいところ
最後まで読んでいただきまして
ありがとうございました。

良い1日を♪

 

Since 2017.9.1(80.81/240)

思わず夢を語りたくなる ライフプラン実現の専門家 竹内 美紀

mail:info@takeuchifp.com  URL:http://takeuchifp.com
〒3440064 埼玉県春日部市南1-1-7
東部地域ふれあい拠点施設 5F C-3
春日部駅 西口 徒歩3分(ララガーデン隣)

 

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