Our Team
Maciek Spadlo
Every great business starts with a simple idea — help people grow smarter.
For Maciek Spadlo, that idea became the foundation of Wise Financial Solutions.
With years of hands-on experience in finance, consulting, and entrepreneurship, Maciek saw how many innovative companies were missing out on opportunities hidden in plain sight — especially when it came to R&D tax credits and government incentive programs. He built Wise Financial Solutions to change that.
Maciek’s approach is deeply personal. He believes in sitting down with business owners, understanding how they work, what they build, and what drives them forward. His goal is to turn complex financial programs into practical advantages that fuel real growth — not just on paper, but in the daily lives of the people behind each company.
Clients know Maciek for his honesty, clarity, and sense of humor — a rare combination in the world of finance. Whether he’s guiding a local manufacturer, a tech start-up, or a growing construction firm, he brings the same energy and commitment: helping good ideas grow stronger through smart financial strategy.
“Innovation deserves a return,” Maciek says. “Our job is to make sure you get it.”
Angela Batchelor
Life Insurance Agent | Education-Focused Advisor | Client-Centered Professional
Angela Batchelor is a dedicated life insurance agent and protection specialist committed to helping individuals and families safeguard what matters most. She brings a personalized, education-first approach to every client conversation — ensuring people understand their options clearly and feel confident in the decisions they make.
Angela believes financial protection should never feel confusing. She takes the time to listen, explain, and tailor solutions that truly fit each client’s life, whether they are planning for the future, securing family stability, or building long-term financial confidence.
Her clients know her for her honesty, patience, and genuine care — qualities that make her a trusted guide during some of life’s most important planning moments.
“For me, it’s simple,” Angela says. “The better I understand your story, the better I can protect it.”
Agata Van Vranken
Top Agent | ERTC & R&D Tax Credit Specialist | Life Insurance Expert
Agata Van Vranken is one of the top specialists at Wise Financial Solutions, recognized for her deep expertise in ERTC programs, R&D tax credits, advanced tax strategies, and life insurance planning. With a reputation built on precision, dedication, and genuine care, Agata has earned the trust of countless business owners and families who rely on her insight and professionalism.
Her philosophy is simple — every client deserves excellence. A true perfectionist in customer relations, Agata takes time to understand each client’s unique goals and designs personalized strategies that deliver real results. Whether she’s uncovering hidden value through R&D credits, maximizing ERTC benefits, or building secure financial protection through life insurance, her approach is always thorough, transparent, and client-focused.
Agata combines financial intelligence with empathy — translating complex tax and insurance concepts into clear, actionable plans. Her clients appreciate her honesty, follow-through, and relentless commitment to their success.
“Behind every strategy,” Agata says, “there’s a person, a family, and a dream worth protecting.”
Agnes Mizera
Accounting & Bookkeeping Professional | Detail-Driven | Highly Organized
Agnes Mizera is the newest addition to the Wise Financial Solutions team, bringing years of experience in accounting and bookkeeping. With a sharp eye for detail, exceptional organizational skills, and a calm, focused work style, Agnes strengthens our ability to deliver precise, reliable, and efficient financial support to every client.
Her background in accounting gives her a deep understanding of numbers, structure, and compliance — qualities that play a key role in supporting our R&D, ERTC, and tax strategy processes. Agnes approaches every project with accuracy, responsibility, and a commitment to getting things done the right way.
Known for her steady focus and dependability, she helps keep our workflows smooth and ensures clients receive meticulous, well-organized service from start to finish.
“Clear numbers create clear decisions,” Agnes believes — and her work reflects that standard every day.
Callie Adams
Senior Life Insurance Specialist | 46 Years of Experience | Trusted Advisor
Callie Adams brings over 46 years of dedicated experience in the life insurance industry, making her one of the most seasoned and respected professionals on the Wise Financial Solutions team. Throughout her career, Callie has guided thousands of individuals, families, and business owners through some of the most important financial decisions of their lives.
Her strength lies in her ability to simplify complex concepts and create clear, reliable protection plans tailored to each client’s needs. With nearly five decades of hands-on experience, Callie has seen every scenario — and she uses that deep knowledge to ensure her clients are always prepared, protected, and confident in their financial future.
Callie is known for her professionalism, compassion, and unwavering commitment to doing what’s best for the client. Her long-standing reputation is built on trust, integrity, and consistent results.
“Life insurance is more than a policy,” Callie says. “It’s peace of mind — and everyone deserves that.”
What We Offer
Take control of your finances, and you can become your own banker. Sounds great, but what does it mean?
Well, as more and more Americans get wise to the reality that working until you’re 65 is a thing of the past, we’re left with two options: continue being pawns in the game created for us, or opt-out and start your own game.
R&D Tax Credits — Done the Wise Way
At Wise Financial Solutions, we’ve spent years helping innovative companies unlock the full potential of R&D tax credits. Our team combines deep financial expertise with technical insight to identify, document, and maximize every qualifying activity. We make the complex simple — ensuring accuracy, compliance, and the highest possible return for your business.
Elevate Your Employee Benefits
Champion Health curates innovative and impactful health benefits that compliment and integrate with your current health strategies.
Champion Health fills all the gaps in your health plan while bringing you the most innovative health technology and strategies in the market today.
What's more, Champion Health provides this all in a tax advantage plan that saves you money and puts more money in your employees’ pockets.
Too good to be true? We thought so too... until we tried it. .
The Champ Plan is not going to be taking over your existing primary healthcare plan.
What makes our position so unique is we are an complement or even a front line of
defense to your existing primary healthcare plan. Our plan pairs perfectly with any plan
you might have now. Whether that be an HMO, PPO, or another self-funded plan. The
Champ Plan is a self-funded, self-insured limited schedule of benefits plan that is
offered at a net savings to the employer and most employees will see an increase in
take-home pay along with some pretty cool health benefits.
R&D Tax Credit
Turning Innovation Into Financial Advantage
At Wise Financial Solutions, we help U.S. businesses unlock one of the most valuable yet underused financial incentives — the Research & Development (R&D) Tax Credit. This government-sponsored program rewards companies for developing, improving, or innovating products, processes, technologies, or software within the United States.
Who Qualifies
Most U.S.-based businesses across a wide range of industries may qualify — not just tech or labs. If your company invests time, people, and resources into improving how things are made or delivered, you likely meet the IRS criteria.
Examples of qualifying industries include:
Manufacturing, Construction, Architecture, Agriculture, Automotive, Food Production, Biotech, Engineering, Tool & Die, Software Development, Energy, Breweries/Wineries, Electronics, and more.
Qualified Research Activities (QRAs)
The R&D Tax Credit is based on specific Qualified Research Activities, such as:
- Designing or improving products, processes, or formulas
- Developing prototypes, software, or internal tools
- Testing materials, methods, or systems
- Streamlining manufacturing or production processes
- Performing environmental upgrades or certification testing
To qualify, activities must meet the IRS Four-Part Test:
- Elimination of Uncertainty — aimed at discovering something not known at the start
- Process of Experimentation — involves trial, testing, or evaluation
- Technological in Nature — relies on engineering, physical, or computer sciences
- Qualified Purpose — seeks to improve functionality, performance, or reliability
Qualified Research Expenses (QREs)
The credit is calculated from specific eligible expenses, including:
- Wages for U.S.-based employees directly involved in R&D
- Supplies and materials used in the development process
- Contractor costs for domestic research services
- Software and cloud computing expenses used for experimentation or development
The Wise Financial Solutions R&D Process
We simplify the entire process — from discovery to filing — ensuring accuracy, compliance, and maximum benefit.
- Discovery & Interviews: We learn about your projects and innovations.
- Expense Analysis: We review payroll, materials, and contractor costs tied to qualified research.
- Technical Documentation: We prepare an IRS-ready report supporting every qualified activity.
- Credit Calculation & Filing Support: We work directly with your CPA to ensure a seamless claim submission.
Common Questions
- Can my business be audited for claiming the credit?
No — the IRS does not trigger audits solely for R&D credit claims. Working with R&D specialists like us ensures accurate, defensible filings.
- How far back can we claim?
Businesses can amend returns up to three prior tax years, and startups may apply the credit against payroll taxes if not yet profitable.
- How much can we save?
Typical savings range from 10% to 20% of qualified R&D expenses. Many companies recover tens or hundreds of thousands of dollars annually.
Why Work with Wise Financial Solutions
Our team of R&D specialists, financial analysts, and tax partners combine years of hands-on experience with a proven methodology. We deliver results that are accurate, audit-ready, and fully compliant — turning innovation into tangible financial return.
Wise Financial Solutions — Experience You Can Trust. Results You Can Measure.
Take control of your financial Future
It sucks to think about taxes. It really, really does.
Retirement is certainly a turning point in many people's lives, but it's also an important time for setting up some financial groundwork. An easy way people overlook to reduce taxes in retirement is by shifting their retirement accounts into tax-free vehicles like life insurance. This goes beyond just the tax savings, though! Not only will this help you avoid taxes when you withdraw your money, but it will also help it grow at a faster rate than if it remained in a taxable account.
- It's important to remember that while saving for retirement is great and all, you want to make sure those savings actually last. The compounding effect of the money growing tax-free means that what you save now could increase exponentially over time, which means more for you later on!
- There are a lot of great investment options out there, but not all tax-free growth is created equal. Some of them treat you differently when it's time to withdraw your money (like penalizing or denying withdrawals). We've partnered with a company called "Tax-Free Growth" that helps us get around these barriers, and they've got great products and services available to people like you.
- You might not even be worried about them right now—after all, you're still young and raring to go in your career, and that means you can actually save up some money! But let's say you do get to an age where you start thinking about retirement. You've got a 401(k) plan and maybe even a pension plan from work; that's nice, but what if Uncle Sam decides he wants a little piece of the pie? And then your heirs get a chunk of their inheritance whittled away by taxes when you die? Not cool.
- Your money should be working for you—not for the government. So when it comes time to retire, don't let that happen to you: open a cash value life insurance policy with tax-free growth on your investment so your money can compound. You can even withdraw from it at any age without having to pay any income tax—which is pretty game-changing if your goal includes traveling around the world, donating to charity, or otherwise living life on the wild side.
- tax-free payout on death benefits to your heirs can be an extra added benefit as well. When you take all of these factors into account, moving your retirement money into a tax-free vehicle can make a lot of sense.
- If you are ready to take charge of your financial future, we have the solutions for you. Becoming your own bank is considered one of the safest ways to invest and grow your money. Educate yourself on this valuable opportunity and become empowered to make wise decisions that will help you meet your goals!
