The Eiduk Cash Allocation System™ — Choose Your Configuration
Your cash is sitting in a checking account earning 0%.
Most practice owners keep $50K-$150K in a business checking account that pays nothing. No system tells them how much to keep, how much to reserve for taxes, or how much should be building wealth. They get surprised every April, hoard cash out of fear, and their bank profits from the float.
$0
What your bank pays you on idle cash
???
What you should be reserving for taxes
2-4%
What your cash could earn with the right architecture
Enter your numbers below to see what you're leaving on the table. ↓
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Find Your Configuration
Enter your numbers and we'll show you how much yield and cashback you're missing, then recommend the right setup.
Recommended Configuration
Stop leaving money on the table.
The Eiduk Cash Allocation System™ (Managed) gives every dollar a job. We set up your accounts, design custom allocation percentages based on your financials, and review quarterly to adjust as your practice grows. No more guessing how much to reserve for taxes or how much is safe to keep.
Something has to allocate. Every configuration below needs a platform that auto-splits each deposit by percentage into named reserves — tax, profit, owner pay, operating. Mercury and Relay are interchangeable in that slot. They do the same job; they just charge for it differently.
Something has to control the spending. That is Ramp: real card limits, receipt capture, accounting sync — plus ~2% on the operating balance itself and up to ~4% on surplus in the Investment Account. It is the only platform here that pays you to leave money sitting in it.
Picking the allocator
Want financingMercury. Capital access and a $5M FDIC sweep are the reason to accept 0% below $250K.
Want yieldRelay. Same bucketing, up to 20 accounts, and it earns from the first dollar.
Big enough for RampRamp. Best rates and the only real spend controls — if you will actually make the transfers by hand.
Show the diagrams withEvery diagram below follows this choice. Ramp, Schwab and your bank are unaffected.
Mercury
Relay
Ramp
Operating balance
0%
0%
~2%
Savings / treasury
up to ~3.8%
~1.1–3.0%
up to ~4.3%
Minimum to earn it
$250K
$0
$0
Monthly fee
$0
$0–90
$0
Auto-allocation
Yes
Yes, 20 buckets
Manual
FDIC coverage
$5M
$3M
Pass-through
Published rates as of July 2026. All of these are variable and move with the Fed — treat the ordering as durable and the decimals as perishable.
Notice what the whole table comes down to: Ramp wins every row except one. It pays the most, costs nothing, and is the only platform with real spend controls — and it still cannot auto-split a deposit. That single missing feature is why these configurations exist at all. The day Ramp ships automatic transfers, this becomes a one-platform decision and the allocator column stops mattering. Until then you are choosing which tool to bolt on, and why.
Simple
Mercury or Relay + Schwab
Core
Bank + Mercury/Relay + Schwab
Streamlined
Bank + Ramp + Schwab
Recommended
Full Stack
Bank + Ramp + Mercury/Relay + Schwab
Personal
Where Wealth Gets Built
Simple: Mercury + Schwab
Mercury runs the whole business — revenue, operations, and Profit First reserves in one place, with the Mercury IO card handling spend at 1.5% cashback.Relay runs the whole business — revenue, operations, and Profit First reserves across up to 20 named checking accounts, and those reserves earn from the first dollar. Sub-accounts separate every dollar by purpose; surplus sweeps to Schwab quarterly. The right-sized setup for most small practices that don’t need Ramp’s heavier expense stack.
Mercury — Banking, Reserves & SpendSchwab — Wealth Building
Revenue Sources
Client PaymentsInsuranceCollections
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Mercury
Your Only Bank — Revenue, Operations & Reserves
Revenue Inbox
All deposits land here
Operating
Rent, vendors, supplies
Owner’s Pay
Salary & distributions
👤 Payroll
Gusto pulls from Operating
💳 Expenses
Mercury IO card — 1.5% cashback, set limits (or debit)
Weekly Allocations Within Mercury
Tax + Profit %
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Mercury Reserves
Separated Sub-Accounts
Tax ReserveNo yieldEarns from dollar one • Quarterly est. payments
Profit HoldNo yieldEarns from dollar one • Accumulates for investing
Keep your existing bank for revenue and daily operations. Mercury handles reserves with dedicated sub-accounts. Surplus sweeps to Schwab for wealth building.
Your Bank — Revenue & OperationsMercury — ReservesSchwab — Wealth Building
Revenue Sources
Client PaymentsInsuranceCollections
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Your Primary Bank
Revenue Collection & Day-to-Day Operations
Revenue
All income deposits here
Operating
Rent, payroll, vendors
Owner’s Pay
Salary & distributions
👤 Payroll
Gusto pulls from bank
💳 Expenses
Bank checks, ACH, card
Weekly / Biweekly Allocations
Tax + Profit %
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Mercury
Reserves & Separation
Tax ReserveNo yieldEarns from dollar one • Quarterly est. payments
Profit HoldNo yieldEarns from dollar one • Accumulates for investing
Automatic Profit First allocation — Tax Reserve and Profit Hold funded on every deposit, not when you remember
Surplus still sweeps to Schwab — Solo 401(k), Cash Balance and brokerage keep getting funded on schedule
SBA loans or an LOC tied to your current bank — nothing about that relationship changes
Fastest to implement: revenue and daily operations stay exactly where they are today
"Don’t change anything, just add discipline"
Tradeoffs
No cashback on spending
No automated expense categorization
Manual transfers between bank and Mercury
Nothing earns — operating cash sits at your bank and Mercury reserves pay 0% until $250K unlocks Treasury. Relay buckets the same way and pays from dollar one.
Only your reserves earn — operating cash still sits at your bank doing nothing, and the top of Relay’s yield range needs a paid plan ($0–90/mo).
Two platforms instead of one
Tax Strategy + Investment Management = Real Results
We do both — so every investment decision is tax-aware, and every tax strategy builds toward your Freedom Number.
Every dollar earns yield through Ramp. Two Business Accounts separate operating and payroll (both earning ~2%), with surplus swept to the Investment Account at ~4%. Add more Business Accounts for tax and profit reserves if you want — allocations are manual but every bucket earns. Schwab builds wealth.
Your Bank — RevenueRamp — Spending, Payroll & YieldSchwab — Wealth Building
Revenue Sources
Client PaymentsInsuranceCollections
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Your Primary Bank
Revenue Collection & Payroll
Revenue
All income deposits
Owner’s Pay
Salary & distributions
👤 Payroll
Gusto pulls from bank
Weekly / Biweekly Allocations
OpEx + Reserve %
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Ramp Treasury
Spending, Payroll & Yield
Acct 1: OperatingEarns ~2% • Bill Pay • Cards
Acct 2: PayrollEarns ~2% • Gusto/ADP pulls
Investment Acct~4% money market • Surplus
Ramp Card1.5% cashback on all spend
✓ Auto-categorizes to QBO
✓ Receipt capture & AI coding
✓ Yield on idle cash + payroll float
Surplus Sweep
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Schwab
Wealth Building & AUM
Solo 401(k)Up to $70K/year
Cash Balance Plan$100K-$350K+/year
Taxable BrokerageLong-term growth
✓ Managed by Eiduk Tax & Wealth
✓ Tax-coordinated investing
✓ Quarterly reviews
Ramp Investment Acct (~4%)
Schwab
Quarterly Profit Sweep — Surplus from Ramp Investment Account moves to long-term investment accounts
Best For
Maximum yield — every dollar earning 2-4% across all accounts
Practices with $5K+ monthly card spend (1.5% cashback)
Owners who want fewer platforms than Full Stack
Payroll funds earn 2% until processor pulls
Tradeoffs
No auto-allocation — revenue deposits land in one account; you move funds to reserve accounts manually (weekly or per deposit)
Can create additional Ramp Business Accounts for Tax Reserve, Profit, and Owner Pay — they all earn ~2%, but you manage the splits
Requires discipline: without an allocator’s auto-split, it’s easy to skip allocations when cash is tight
Ramp Investment Account not FDIC insured
Tax Strategy + Investment Management = Real Results
We do both — so every investment decision is tax-aware, and every tax strategy builds toward your Freedom Number.
The complete business cash flow system. Every dollar has a destination, every flow has a purpose. Revenue enters, gets allocated, and deploys into reserves and wealth-building vehicles. Ramp handles spending AND payroll funding — earning yield on both until the money leaves.
Your Bank — Revenue HubRamp — Spending + Payroll + YieldMercury — ReservesSchwab — Wealth
Why not keep reserves in Ramp too? That’s the Streamlined approach — and it works. You can create Ramp Business Accounts for Tax Reserve, Profit, and Owner Pay, and they’ll all earn ~2%. The tradeoff is one feature: Ramp cannot auto-split a deposit. Every allocation is a manual transfer, and manual transfers get skipped exactly when cash is tight — which is exactly when the tax reserve matters. Named sub-accounts also create behavioral guardrails — “Tax Reserve: $47,000” hits differently than “Account 3.” Be clear about the price of that discipline, though: a Mercury balance earns 0% until you are holding $250K across your accounts and can open Treasury. On $50K in reserves, parking them at Mercury instead of a Ramp Business Account costs about $1,000/yr. That is the fee for automatic allocation — and for most owners who would otherwise skip the transfer, it is worth paying. If it is not worth it to you, Relay does the same bucketing and pays from the first dollar — put reserves there instead and you give up nothing.The price of that discipline is smaller here than it looks: Relay pays on reserves from the first dollar, so you are not trading yield for allocation the way you would at Mercury. What you pay is a subscription rather than forgone interest — $0 to $90/mo depending on plan tier. Swap to Mercury only if you want financing and the $5M FDIC sweep more than you want that yield. Either way, once reserves grow past $150K+, the excess above target sweeps to Ramp’s Investment Account for ~4%.
Tax Strategy + Investment Management = Real Results
We do both — so every investment decision is tax-aware, and every tax strategy builds toward your Freedom Number.
Your business cash flow architecture feeds three income streams into your personal accounts. This is where “Pay Less. Keep More. Build Wealth.” becomes real — every dollar of tax savings gets redeployed into wealth-building vehicles.
Business → PersonalTax-Advantaged GrowthWealth Acceleration
Three Income Streams From Your Business
💼 W-2 Salary
Reasonable comp — Strategy #1
Subject to payroll tax
📤 S-Corp Distributions
Profit above salary
No payroll tax — that’s the savings
🎯 Quarterly Profit
Mercury Profit Hold → Owner
The reward for running a profitable business
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Personal Checking
All three income streams converge here — then deploy outward
Personal Wealth Allocations
Foundation — Protect & Cover
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Living Expenses
Mortgage / rent, utilities, groceries, insurance, family expenses
Primary source: W-2 salary
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Personal Emergency
3-6 months personal expenses in HYSA
Separate from business emergency (Mercury)
Tax-Advantaged — Keep More
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HSA
$8,550 family / $4,300 self-only (2025)
Triple tax advantage: deductible in, tax-free growth, tax-free out
Fund via payroll deduction or personal contribution
Strategy #22
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Backdoor Roth IRA
$7,000/each ($8,000 if 50+) — tax-free growth
Bypasses income limits for high earners
Ideal source: quarterly profit distribution
Strategy #23
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529 Education
State tax deduction + tax-free growth for education
$19,000/year per beneficiary (gift exclusion)
Build Wealth — Surplus Deployment
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Schwab Brokerage
Long-term taxable investment account
Managed by Eiduk — tax-loss harvesting, asset location
Pay Off Low-Interest Debt <5%: math favors investing first
Sequence matters. Tax-advantaged first, taxable second, alternatives last. Each step has a tax strategy connection in The Eiduk Pathway™.
Tax Strategy + Investment Management = Real Results
Most CPAs optimize your return. Most advisors manage your portfolio. Neither talks to the other. We do both — so every investment decision is tax-aware, and every tax strategy builds toward your Freedom Number.
✓Tax-loss harvesting coordinated with your return
✓Roth conversion timing optimized to your bracket
✓Asset location: right investments in right accounts
✓Retirement contributions maximized across all plans
✓QSBS, 1031, and exit planning built into portfolio
0.75%-0.35% blended AUM • $250K minimum • Schwab custody • 10% off TAS+CAS with AUM
Pillar 8: Never chase a bad investment for a tax deduction. Sound investments first — then optimize the tax treatment.
How Business & Personal Connect
Business Side (Tabs 1-4)
Your S-Corp pays you a reasonable W-2 salary and distributions. Tax reserves are set aside in Mercury. Retirement contributions (Solo 401k, Cash Balance) go directly to Schwab. Quarterly profit distributions are your reward.
Personal Side (This Tab)
Those three income streams fund your personal life, then surplus deploys into tax-advantaged accounts (HSA, Roth, 529) before flowing to taxable investments. Every dollar of tax savings from The Eiduk Pathway™ gets redeployed — not spent.
The Eiduk Wealth System™ — Systematic deployment from tax savings to lasting wealth
Why Sequence Matters
Tax-advantaged accounts generate 25-40% more wealth than taxable
Employer match is a guaranteed 100% return
HSA is the only triple-tax-free account in the tax code
Roth growth compounds tax-free for decades
Real estate + cost seg creates paper losses against ordinary income
Key Principle
Tax savings aren’t wealth until they’re deployed
Every strategy in The Eiduk Pathway™ creates surplus
The Wealth System shows where that surplus goes
Work the steps in order, don’t skip ahead
Your bank isn't going to build this for you.
They profit from your idle cash. We build the system that puts it to work — earning yield, funding tax reserves automatically, and routing surplus into wealth-building accounts. Every dollar gets a job.