Employee Retention Tax
Credits
Life as we know it has change significantly since COVID-19 shut-downs first started in March 2020.
The Federal Government recognized this and introduced relief funding for small to medium businesses initially in the CARES Act of 2020, then expanded further in 2021.
This program is called the Employee Retention Credit (ERC) and it paid to businesses who continued to pay W-2 employees during qualifying periods as a Tax Refund.

Who Qualifies For The Employee Retention Credit?
To qualify businesses must have between 1 and 500 W-2 employees (who are not direct family members) and have been impacted by COVID-19.
The credit refund amounts available are:
- 2020 up to $5,000 per W-2 employee.
- 2021 up to $21,000 per W-2 employee.
The funding is issued as a tax refund check from the IRS directly to the business. It is not required to be repaid.
Eligibility Criteria
For Existing Businesses (started prior to covid):
- You have between 1 and 500 W-2 employees who are not direct family members of the business owner; AND
- You were required to shut down or modify your operations for any period; OR
- You lost at least 50% revenue in any quarter in 2020 (10% while subject to Govt. order); OR
- You lost at least 20% revenue in any quarter in 2021 (10% while subject to Govt. order).
For Start-up Businesses:
- The business started operations on or after February 15th 2020; AND
- You have between 1 and 500 W-2 employees who are not direct family members of the business owner; AND
- Average annual revenue is no more than $1,000,000 per year.

Meet Your Employee Retention Credit Expert
Tracey Lipnicki has more than 20 years experience in corporate finance, in wealth and money education, and as an insurance consultant and advisor to business owners, individuals and families.
She is owner of The Lipnicki Agency, a national agency within the Quility & Symmetry Financial Group of companies specializing in solutions for tax free income, building generational wealth, mortgage protection, life insurance, mortgage acceleration, debt reduction, tax minimization, retirement and income planning.
If you become my client, I will treat you like you are family, and I would do anything for my family.
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