TAX STRATEGIES THAT WE CAN HELP YOU WITH

Are You Missing Out? 13 Tax Moves That Transform Wealth

A truly high-impact tax plan involves much more than just filing—it means leveraging advanced moves year-round to lower taxes and accelerate wealth. Here are 13 tactics our team uses to maximize client outcomes:

1. Cash Balance Plans: Next-Level Retirement Deferral

Cash balance pension plans can allow you to stash away six figures annually—often as much as $150,000 to $341,000, depending on your age. These contributions are above what’s allowed in a standard 401(k). Funds grow until retirement, then roll tax-deferred into your IRA, with the chance to convert to Roth during low-income years for lifelong tax-free growth.emparion+2

2. Passive Income Supercharge: Owning Your Business Real Estate

Buy the space where your business operates, and you unlock powerful tax advantages. Cost segregation lets you accelerate depreciation, creating large losses to offset business income in high-tax years. The more of the property your business uses, the greater the potential benefit.

3. S Corp Smarts

With the right structure, S corporations allow you to reduce self-employment taxes by shifting some profit to owner distributions. PTET elections and QBID (qualified business income deduction) can add even more value—often dramatically lowering your combined federal and state tax.

4. Mega Backdoor Roth IRAs & 401(k)s

After maxing pre-tax contributions, we help clients stack tax-free wealth with “backdoor” Roth strategies, letting you put away significantly more each year into tax-free growth accounts than the typical approach allows.

5. 529 Plans: Superfund for Education

By front-loading a 529 with up to five years of gifts at once, you can build a tax-free nest egg for college—potentially saving tens of thousands in capital gains taxes while preparing for tuition early.

6. Maxed-Out Solo 401(k)s

A solo 401(k) allows self-employed clients to contribute up to $70,000 pre-tax for 2025, potentially doubling the opportunity when employing a spouse. Employee deferral means you can maximize at lower profits than with a SEP IRA, and “mega backdoor Roth” features make it even more.

7. Strategic Roth Conversions

We help high earners defer at top brackets and then convert to Roth at low brackets, driving down lifetime effective tax rates for you and your heirs.

8. QBID Fine-Tuning

The 20% QBID can be a moving target—sometimes it’s best to tweak W-2 wages, sometimes to maximize profit. We analyze wage/profit mixes every year to lock in the biggest deduction possible.

9. Profit Share in 401(k)s

Profit sharing lets you boost retirement contributions even further. The less staff you have and the higher your own wages, the more you keep—ideal for owner-only or tightly held businesses.

10. Charitable Giving—Amplified

Don’t just give—strategize. Lump gifts in high-earning years, fund Donor-Advised Funds or Charitable Remainder Trusts, or make gifts before a business or property sale to avoid capital gains taxes.

11. PTET (Pass-Through Entity Tax) Mastery

Clients in high-tax states save big by shifting state tax payments to the entity, bypassing the personal SALT deduction cap for significant extra write-offs.

12. R&D Credits: Subtract While You Grow

Businesses investing in research or innovation can see major tax offsets through R&D credits—an essential tool for start-ups and established firms alike.

13. C Corps & QSBS: The Big Exit Play

Build your next venture as a C corp and, if QSBS-qualified, you could exclude up to $15 million in gains tax-free—and potentially much more by layering trusts.

The Bottom Line:
Every client deserves a team executing at this level—customizing, recalculating, and anticipating where new opportunities lie. Are you sure your current “planner” isn’t just filing and forgetting? Let’s get you the strategies that actually build wealth.

Want a custom review? Reach out for a tax strategy session tailored to your goals.

Contact us to build your own tax-smart, future-focused strategy. You need a team who thinks ahead—let’s get started.

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