DREAMS SCORE
RESULTS
First Name: Jamie
Last Name: Chen
Email: [email protected]
Phone: (469) 555-9643
Title: CFO
Business Name: Redline Freight Systems
DREAMS Score Summary
D - Debt (additional funding): $1,000,000
R - Retirement (balances): $12,700,000
E - Expenses: $896,000
A - Assets: $4,377,000
M - Money: $756,000
S - Security: $75,000
Total Est. Annual Savings (E, A, M, S,): $6,104,600
Total Est. Annual Savings
(E, A, M, S,): $6,104,600
This represents an estimate of the potential savings you could achieve by working with the Dreams service providers. These savings reflect opportunities to optimize your business operations and profitability.
Why Choose Dreams Business Resources?
- No Cost for Reports: Dreams Business Resources does not charge a fee to provide reports on potential areas for improvement in your profitability.
- Trusted Providers: All Dreams service providers are third-party companies carefully screened and selected to be part of the Dreams Team.
- Expert Support: By meeting with these industry experts, you gain access to strategies and solutions that offer competitive advantages for running a successful business.
Take the next step and connect with the experts who can help you unlock your business’s full potential.
Debt Management
Additional Funding Desired: $1,000,000
Businesses like yours often need funding for reasons such as:
Managing Cash Flow: Keeping daily operations smooth and stress-free.
Covering Unexpected Costs: Addressing emergencies or unplanned expenses.
Seizing Growth Opportunities: Investing in expansion or launching new initiatives.
Building a Strong Team: Hiring and training employees for better productivity.
Purchasing Inventory or Equipment: Staying ready to meet customer demand.
That’s where Bank Breezy comes in—offering fast, flexible funding designed for businesses like yours.
Why Choose Bank Breezy?
- Quick and Easy Approvals: Same-day decisions keep the process simple.
- Fast Access to Cash: Receive funds in your account within 24 hours.
- Flexible Loan Amounts: Borrow from $1,000 to $2,000,000 to cover immediate needs.
- Minimal Paperwork: No collateral or complicated requirements—just a streamlined process.
- High Approval Rates: Designed to work for small businesses, even with credit challenges.
- Unrestricted Use of Funds: Use the money for payroll, marketing, equipment, or even to pay down existing debt.
- No Prepayment Penalties: Pay off your loan early and save on interest.
- Business Stability & Growth: Immediate funding helps you stay resilient and capitalize on opportunities.
We know how important your time is, and we’re here to make this as easy as possible... Take the next step toward securing the funding your business needs.
Click below to explore your options with Bank Breezy:
👉 Access Funding Now If you have any questions or would like guidance on the process, don’t hesitate to reach out—I’m here to help.
Retirement
Total Retirement Account Balances: $12,700,000
- Retirement Account Balance (owner): $4,200,000
- Retirement Account Balance (employees): $8,500,000
How Can You Achieve Growth Without Risk?
As a business owner, minimizing retirement asset volatility while maintaining access to cash when needed is essential.
Indexed annuities and indexed universal life policies offer solutions that combine market-linked growth with principal protection and tailored benefits for financial security.
How Indexed Annuities Provide Growth Without Risk:
1. Market-Linked Growth:
- Participate in market gains tied to indices like the S&P 500, while ensuring your principal is fully protected from downturns.
2. Locking in Gains:
- Once credited, your gains are locked in and protected from future market losses.
Key Features of Indexed Annuities
- Lifetime Income: Guaranteed income for life ensures you never outlive your
savings.
- Death Benefits: Pass on your remaining balance or income stream to your beneficiaries.
- Automatic Resets: Annual portfolio rebalancing ensures your investments stay aligned with your goals and capitalize on growth opportunities.
- Tax-Deferred Growth: Allow your earnings to compound faster by deferring taxes until withdrawal.
Example Portfolio Allocation Inside an Indexed Annuity
- 50% Equity-Indexed Accounts: Market growth with capped gains and full principal protection.
- 30% Fixed-Interest Account: Stable, guaranteed returns for reliability.
- 20% Bond-Linked Accounts: Conservative, lower-risk growth tied to bond market performance.
Why Choose an Indexed Annuity?
1. Secure Growth Without Risk: Protect your principal while benefiting from market growth.
2. Lock in Gains: Prevent future market downturns from eroding your hard-earned growth.
3. Lifetime Income Options: Turn your savings into a reliable paycheck for life.
4. Legacy Protection: Ensure financial security for your loved ones through death benefits.
5. Annual Portfolio Adjustments: Align your investments with market conditions to maximize growth.
Complimentary Report and Expert Meeting I can prepare a personalized report that includes:
- Growth projections, including caps and participation rates.
- Lifetime income estimates and legacy benefits.
Schedule a Zoom meeting with a retirement planning expert to discuss your financial goals and explore customized strategies.
Expense Management
Total Est. Annual Expense Savings: $1,221,000
Benefits
Total Est. Annual Health Savings: $800,000
Total Est. Annual Health
Savings: $800,000
- Annual Savings Per Employee: $500
- Total Monthly Savings : $125,000
- Total Monthly Premiums: $187,500
- Total Est. Monthly Savings Through Benefits Audit (30%): $56,250
By introducing a Health Efficiency Section 125 Plan, your business could save approximately $500 per employee annually. Bigger Benefits for Your Team, a Health Efficiency Plan doesn’t just reduce costs—it’s an investment in your employees’ health and productivity.
Here’s how it can help:
- Cut Emergency Room Visits by Over 40%: Preventative care leads to fewer costly ER trips.
- Reduce Urgent Care Visits by More Than 50%: On-demand services handle common health issues efficiently.
- Lower Unnecessary Specialist Visits: Treat many conditions without costly specialist appointments.
- Enjoy Hundreds of Additional Benefits: Lower absenteeism, reduced stress, and improved overall wellness for your team.
- Complimentary Benefits Audit: Our free benefits audit could uncover even more savings—up to 30% on your health insurance premiums.
Book a Call with Our Trumark Expert!
Energy
Total Est. Annual Energy Savings: $96,000
- Monthly Energy Expense: $20,000
Key Reasons for Installing a Solar Program:
1. Cost Savings:
- Reduces electricity bills by 25%-60%.
- Provides energy independence and stabilizes long-term costs.
2. Tax Incentives:
- 22% Federal Investment Tax Credit (ITC).
- State & local incentives like rebates, grants, and additional tax credits vary by location.
3. Long-Term ROI:
- Low maintenance costs and long system lifespan.
4. Environmental Benefits:
- Reduces carbon footprint and supports sustainability efforts.
- Qualifies for green certifications like LEED.
5. Energy Security:
- Provides backup power in case of grid failure.
- Participate in net metering programs to earn credits.
6. Reputation & Marketing:
- Enhances brand image as a sustainable business.
- Attracts tenants and customers who prioritize eco-friendly practices.
Asset Management
Total Est. Annual Profit: $4,377,600
- Number of Units or Services Sold Per Month: 3,200
- Average Revenue Per Unit or service Sold: $950
- Number of Monthly Positive Customer Reviews: 10
Website:
Websites are one of a business’s most valuable assets, serving as a 24/7 storefront that drives sales, builds customer trust, and enhances profitability.
Optimizing your website’s performance and leveraging customer reviews can significantly impact your bottom line.
Here we calculate how much extra profit your business could generate by improving customer engagement and attracting new clients through positive reviews.
Our Website Profit Calculator evaluates key factors to reveal untapped opportunities for growth.
How It Works:
We ask three simple questions to analyze your website's current performance and calculate the potential increase in monthly profit:
1. How many online purchases do you get each month?
2. What is your average profit per sale?
3. How many good customer reviews does your business receive monthly?
Using these answers, we estimate how a review service could: Encourage 20% of your existing customers to leave positive reviews.
Use each positive review to attract an average of 5 new clients per month.
Translate these new clients into additional profit, based on your average profit per sale.
Money Management
Total Est. Annual R&D Tax Credit: $756,000
- Total Monthly Payroll: $1,200,000
- Total Monthly Expenses: $600,000
- Combined Monthly Total: $1,800,000
The Research & Development (R&D) Tax Credit was established in 1981 under the Economic Recovery Act to encourage American businesses to innovate and grow.
This credit provides a dollar-for-dollar reduction in federal income tax liability, potentially resulting in substantial savings for your business.
Fast Facts About the R&D Tax Credit:
- Retroactive Claims: File amended returns for the past three years to receive cash back.
- State Benefits: 36 states offer additional R&D tax credit programs to reduce state tax liability.
- AMT Application: Certain companies can apply the credit against all taxes paid, including Alternative Minimum Tax (AMT).
- Long-Term Benefits: Any unused credits can be carried forward for up to 20 years.
- Supports Innovation: Incentivizes U.S.-based innovation and retains highly skilled personnel.
Example R&D Tax Credit Calculation
- Total R&D Expenses: $6,000,000 (e.g., $4,000,000 payroll + $2,000,000 other expenses)
- Annual Tax Credit: $390,000 (6.5% of total R&D expenses)
Next Steps to Maximize Your Savings
We’d love to help you take full advantage of this opportunity.
Schedule a complimentary Zoom consultation with one of our experts to: Confirm your eligibility for the R&D tax credit.
Learn about the tax study process. Receive a detailed breakdown of costs, timelines, and your potential savings. Get a personalized quote for your tax credit opportunity.
Security Protection
Total Est. Annual PC Security Savings: $75,000
- Number of PCs: 250
- Estimated Savings Per PC: $300
Is your business ready to reduce IT costs, boost security, and embrace the future of work?
StreamPC offers a secure, flexible, and cost-effective IT solution for modern businesses, addressing rising IT expenses, cybersecurity challenges, and the need for seamless remote work.
Why Choose StreamPC?
1. Significant Cost Savings
- No Hardware Investments: Replace expensive desktops and servers with lightweight or existing devices.
- Affordable Plans: Predictable annual costs of $700–$900 per employee, compared to $1,500–$3,000 with traditional setups.
- Managed IT Services: Say goodbye to costly IT teams—StreamPC handles updates, backups, and security for you.
2. Unparalleled Data Protection
- Enterprise-Grade Security: End-to-end encryption, multi-factor authentication, and AI threat detection.
- RansomWall™️ Protection: Defense against ransomware, malware, and phishing attacks.
- Regulatory Compliance: Meets GDPR, HIPAA, and ISO standards.
3. Scalability and Flexibility
- Work Anywhere: Securely access virtual desktops from any device worldwide.
- Dynamic Scaling: Scale resources effortlessly without additional hardware.
- Device Independence: Employees can use laptops, tablets, or smartphones.
4. Simplified IT Management
- Automatic Updates: Systems stay current with the latest software and security patches.
- 99.9% Uptime Guarantee: Reliable performance with minimal disruptions.
- Fast Onboarding: Seamless employee setup with no hardware delays.
5. Enhanced Productivity and Collaboration
- High-Speed Performance: Fast access to apps, files, and resources ensures efficiency.
6. Eco-Friendly Solution
- Energy Efficiency: Centralized cloud servers lower energy consumption compared to traditional systems.
Why StreamPC is Tailored for SMBs?
StreamPC delivers enterprise-grade features at an affordable price, making it the ideal IT solution for small and medium-sized businesses.
With 24/7 customer support, you’re never left in the dark.
What if a 15-minute analysis could reveal hidden savings, increase your profits, and boost employee benefits—all without costing you a dime?
At DREAMS Business Resources, we specialize in uncovering hidden financial opportunities that business owners overlook every day. We’ve partnered with top industry experts to provide proven strategies that drive real business growth without disrupting your operations.
HOW IT WORKS...
The DREAMS Score Analyzer is a cutting-edge tool that pinpoints where you’re overpaying, where you can save, and how to reinvest those savings for explosive growth. In just 10-15 minutes, we’ll help you discover ways to save thousands—potentially even hundreds of thousands—while also maximizing profitability and strengthening employee benefits.
Get your SCORE
in just Three Steps.
1
Take the 15-Minute DREAMS Score Analysis
2
Get a Custom Report on Your Savings & Growth Opportunities
3
Meet With a DREAMS Expert to Unlock Maximum Profitability
Frequently Asked Questions
Is there a cost?
Nope! It’s 100% free. No hidden fees, no obligations.
Do I have to provide detailed business or personal info?
No. We just ask basic business questions—no tax returns, bank statements, or personal financial details required.
What’s the catch?
There isn’t one. If we find savings, we’ll connect you with an expert who can help—only if you want to move forward.
What happens after the DREAMS Score analysis?
You’ll receive a custom report showing potential savings and profit-boosting strategies. If you’re interested, we can connect you with an expert to help—but there’s no obligation.
This keeps it tight, relevant, and focused while addressing time concerns and next steps. Let me know if you want to refine anything further! 🚀