The CPA firm independent insurance agencies trust nationwide.
For more than 30 years we've supported 140+ independent agencies with profitability analysis, quarterly tax planning, carrier-level revenue clarity, and a dedicated CPA who actually knows the industry.
You don't need an accountant who has to learn your industry on your dime. You need a CPA who already understands carrier statements, commission cycles, contingencies, and multi-state complexity.
How we support independent agency owners.
Carrier-level profitability
See exactly which carriers and lines of business are driving the agency — and which are quietly hurting it.
Quarterly tax strategy
Year-round planning that anticipates contingency bonuses and big swings, not just an April tax bill.
Multi-state familiarity
Comfortable with the filings and nuances of agencies operating across multiple states.
Owner and perpetuation planning
Structuring, ownership transitions, and succession planning grounded in real agency economics.
Dedicated CPA/tax advisor
You'll work directly with Ryan or Mike — not a rotating bench of associates.
Clean, agency-ready reporting
Monthly financials and dashboards designed around how agency owners actually run the business.
Why agency principals trust our team.
"We have been clients of Schumacher Sama for 37 years. They are professional, great to work with, always doing their best for their clients. We highly recommend their firm for all your accounting needs!"
Insurance agency questions we hear most
How many independent insurance agencies do you work with?
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We currently support more than 140 independent insurance agencies across the country, with more than 30 years of focused experience in the industry.
Do you work with agencies outside Wisconsin?
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Yes. Our insurance agency practice is nationwide. We're comfortable with multi-state filings and the operational realities of agencies running across state lines.
What does 'carrier-level revenue clarity' actually mean?
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It means breaking down revenue and profitability by carrier and line of business — so you can see exactly which relationships are driving the agency and which ones are quietly costing you money.
Can you help with agency acquisitions, mergers, or perpetuation?
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Yes. We routinely advise on buy-side and sell-side agency transactions, owner buy-ins and buy-outs, and long-term perpetuation planning — grounded in real agency economics, not generic small-business templates.
How do you handle contingency and bonus income for tax planning?
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Contingency income is one of the biggest sources of surprise tax bills for agency owners. We model it into your quarterly tax projections so you're never blindsided by an April balance due, and we plan distributions and owner comp around it.
Who would I be working with day-to-day?
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Our insurance agency clients are served directly by Mike and Ryan, our partners leading the insurance practice. You'll have a dedicated CPA — not a rotating cast of associates.
Let's talk about your agency.
A short call with Ryan or Mike is the fastest way to see how a specialized CPA team changes the picture.