Mr. Heintz brings over thirty-five years of sales, technical, financial and management experience to Impact Financial Advisors.  After several years in corporate computer sales and sales management Mr. Heintz started a computer systems and software development company that marketed to small and medium size companies, growing to annual revenues of $700,000 within four years.  He then continued independent software development and consulting for a limited number of medium and large clients.

Mr. Heintz started TaxMax in 1994 and developed the proprietary software applications used by TaxMax to implement and expand its ‘tax refund for down payment’ program for used car dealers.  During this time car dealer customers increased from 90 to over 1100 and tax return volume increased to over 7000 per year.  He was the President/CEO of TaxMax from incorporation to the sale of TaxMax to CarBiz Inc. in 2000.

In 2000, TaxMax was purchased by Carbiz, Inc. and was operated as a division of CarBiz until the sale of the division in 2006.  Mr. Heintz was named Chief Operating Officer in 2002.  After the preparation and filing of an SEC registration statement to move the listing of CarBiz stock from the TSX Venture Exchange (Canada) onto a U.S. exchange (OTCBB) he also became Chief Financial Officer in 2006.

During his tenure at Carbiz the company changed from a buy here pay here software and consulting company to the operator of a chain of 26 distribution points across 9 States (car dealerships) in order to originate consumer loans for its wholly owned finance company.  The consulting experience, proprietary underwriting and collection processes created  were proven to be highly successful in the sub-prime auto finance market.  The company grew to more than $60,000,000 in annual sales rate.

Since 2010 Mr. Heintz has provided consulting services to BHPH dealers including assistance in obtaining financing (with over $50MM successfully closed), dealer financial accounting and management, and establishment of reinsurance structures.

Additionally, in January 2013 Mr. Heintz, along with Mr. Smith, purchased CreditMax Auto Group, acting as Co-President and CFO.  The CreditMax portfolio was sold and operations closed in June 2017.


Mr. Smith capitalizes on his career record of success in optimizing operations to effectively manage and overcome every business challenge presented to him. His expertise includes establishing new businesses, turning around struggling operations, and driving immediate and long-term growth for established companies. Skilled in both the strategic design and tactical execution of business solutions, Mr. Smith delivers results by establishing the vision, communicating the mission, and “rallying the troops” to achieve both corporate and customer goals.

Early in his career, Mr. Smith held several roles with National Auto Credit, Inc., including Vice President of Operations, Director, Regional Vice President of Operations, and Regional Director. He was also Branch Operations Manager with Chrysler Credit Corporation.

As Vice President of Strategic Planning and Development with T&J Acceptance (a JD Byrider BHPH) in Amherst, OH, Mr. Smith added $12 million in new annual sales and secured $1.8 million in investment capital. After evaluating new business opportunities and demographics data, he established and opened two new offices to fill gaps in the marketplace. By instituting new processes to improve tracking of loan performance, Mr. Smith improved charge-off rates by 12%. Other achievements in this role include increasing productivity 50%, reducing staff attrition 80%, increasing the bank credit line to $25 million, and boosting profit 12% on a $33 million portfolio.

Mr. Smith was employed by C&S Finance (a JD Byrider BHPH) in Orlando, FL.  As Finance Director, he increased business volume from $2.5 million to $5 million per year, and delivered a 100% gain in net profit. He also instituted business modeling and static pool analysis that was central in doubling the bank credit line.

Mr. Smith was Regional Business Center Manager with Wachovia Dealer Services in Tampa, Florida. There, he held full responsibility for the P&L, business development, operations, and strategic planning for one of the firms’ largest regional business centers. In this role, Mr. Smith transformed one of the lowest-ranked groups into one of the company’s top-performing, award-winning business units. Given full responsibility for managing a merger integration process, he put entirely new management staff in place and grew the portfolio more than 50% to $435 million by zeroing in market opportunities and driving team accountability and productivity.

Mr. Smith joined Creditmax Auto Group (a BHPH dealer) February 2010 and was charged with resurrecting a badly broken operation. At his direction, the Company was transformed into a top tier BHPH operation. He was responsible for all operational aspects of the company including inventory, sales, finance, training and development, marketing, facilities management and vendor relations.

In January 2013 Mr. Smith, along with Mr. Heintz, purchased CreditMax Auto Group, acting as Co-President and COO. The CreditMax portfolio was sold and operations closed in June 2017.