Built for Independent Insurance Agencies

Finally: A CPA Firm That Actually Understands How Independent Insurance Agencies Make Money.

Carrier commissions. Multi-state filings. Profitability by book. We've spent 30+ years inside the books of independent insurance agencies, so you stop translating your business to a generic accountant who treats you like every other client.

WATCH FIRST
Why most CPAs fail insurance agencies (4 min)
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No pitch. Just a real conversation about your books.
30+Years serving independent agencies
140+Agencies currently served
300+Agencies served historically
1960Founded. Built to last.
The Real Problem

Your accountant doesn't speak carrier. And it's costing you.

01

They've never seen a commission statement.

Override structure, profit sharing, contingency bonuses, sub-producer splits — your CPA stares at it like a foreign language. You end up doing the translation.

02

Zero visibility into carrier profitability.

You don't know which carriers are actually making you money once you account for service load, claims pressure, and E&O exposure. So you can't prune the unprofitable ones.

03

Tax planning happens in April.

Which means it's not tax planning. It's tax reporting. You write a check and wonder what could've been different.

04

Multi-state mess.

You're writing in 4, 8, 15 states. Your accountant's compliance footprint is one. Notices pile up. Penalties creep.

05

Different person every time.

You re-explain your business to a new junior every January. Nobody at the firm actually owns the relationship.

Talk To Someone Who Speaks Agency →
Meet The Partner
Michael Sama, CPA, CMA, Partner at Schumacher Sama
MICHAEL SAMA, CPA, CMA / PARTNER

You'll talk to a partner. Not a portal.

Michael Sama built his practice around one type of business: the independent insurance agency. Every conversation starts with someone who already knows what a carrier statement looks like, how producer splits work, and why your effective tax rate is more complicated than your buddy's contracting business.

You get a dedicated CPA. The same one. Year after year. Quarterly planning meetings that aren't optional. Real answers, fast.

CPA CMA IMA Member WI CPA Society AICPA Est. 1960
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The Difference

Generic CPA firms vs. Schumacher Sama.

 
Generic CPA Firm
Schumacher Sama
Industry Focus
× Anyone with a balance sheet
✓ Independent insurance agencies. Period.
Carrier Commission Expertise
× "Send us the totals"
✓ Carrier-level revenue clarity & reporting
Your Point Of Contact
× Whoever picks up the phone
✓ Dedicated CPA & tax professional, assigned
Tax Planning Cadence
× Once a year, in April
✓ Proactive quarterly tax planning meetings
Multi-State Filings
× "We'll figure it out"
✓ Multi-state tax expertise, built in
Strategic Advice
× Compliance only
✓ Year-round tax decision guidance
See What An Agency-Specific CPA Looks Like →
In Their Words

What our agency clients actually say.

We have been clients of Schumacher Sama for 37 years...highly recommend their firm.

Linda

Whenever I have a question they are quick to answer and I can trust it's correct.

Nick

They answer all my questions...find creative ways to deal with tax situations.

John
Is This For You?

We're not for everyone. On purpose.

This is for you if…

  • You own or run an independent insurance agency (P&C, L&H, or both).
  • You're done explaining how commissions work to your accountant.
  • You want carrier-level profitability, not just a P&L.
  • You're writing in multiple states and feel the compliance heat.
  • You'd rather pay for proactive planning than another April surprise.
  • You want one CPA who knows your name, your book, and your goals.

This is not for you if…

  • You're not an independent insurance agency. We respectfully won't be the right fit.
  • You want the cheapest tax return in town. We aren't a discount shop.
  • You only want to talk to your accountant once a year in April.
  • You'd rather DIY in QuickBooks and hope it works out at tax time.
If This Is You, Let's Talk
Top Objections

What agency owners ask before switching.

My current CPA has done my return for years. Is switching really worth it? +

If your current CPA can't explain your carrier-level profitability or walk you through proactive tax moves before year-end, you're not getting CPA value. You're getting a tax preparer. The switch is worth it the first quarter we save you more in tax planning than the engagement costs.

Switching accountants mid-year sounds painful. How does onboarding actually work? +

We've onboarded 140+ agencies. We coordinate directly with your prior firm, pull what we need, and run a structured 30-day intake. You don't manage the handoff. We do.

We're not in Wisconsin. Can you still work with us? +

Yes. We serve agencies across Wisconsin and nationwide. Multi-state tax expertise is one of the core reasons agencies come to us in the first place.

How is this different from just using QuickBooks plus my generalist CPA? +

QuickBooks shows you what happened. We show you what's actually working: which carriers are profitable, where your tax exposure is building, and what decision to make before December 31 instead of after.

Are you going to disappear after tax season like our last firm? +

No. You get a dedicated CPA and tax professional, the same people, year-round. Proactive quarterly tax planning meetings are part of the engagement, not an upsell.

Stop translating your agency to a generalist.

One call. No pitch. A real conversation about your books, your carriers, and what's actually leaking money.

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