The tax code is a playbook. We show you how to use it.
Your CPA files the return. We architect the savings.
$2,500, credited in full toward a Taylored Tax engagement signed within 90 days after your session. That's the whole price: no other costs. Refunds and terms. See what each lever could save you, before you decide.
RSUs vesting, a company sale, most of your net worth in one stock, an estate over the federal line. The tax on each depends on choices you make before the money moves.
Two Enrolled Agents
The highest credential the IRS awards, with unlimited rights to represent taxpayers before the IRS.
20 combined years in tax work
Al (BiG Al) Darnell, Jr. and Terrence Taylor.
One system
The Seven Levers™ of Tax Savings. Seven areas of the tax code, checked in the same order every time.
Every move cites its authority
The Code, Treasury Regulations, Revenue Rulings and Tax Court cases.
Harvard MBA
Prior executive experience at Google and Meta. Terrence knows big tech from the inside.
The book
The Million Dollar Tax Problem, out in 2027.
Congress wrote many of the code’s incentives to be used.
The Seven Levers of Tax Savings™
We check your situation against seven areas of the tax code, in the same order every time. Your plan uses only the levers the tax code opens on your facts.
- 1Start or Grow Your Business
- 2Invest in Real Estate
- 3Use Life Insurance Strategically
- 4Maximize Retirement Savings
- 5Plan Your Estate
- 6Practice Strategic Giving
- 7Invest Through Private Equity
Lever 3, Use Life Insurance Strategically. What a policy protects, what it costs, and how the tax code treats it: the death benefit (IRC 101(a)), loans against cash value while the policy stays in force, and an ILIT to keep the benefit outside the taxable estate. Your plan may say this lever fits your facts. Buying a policy is a separate insurance decision, and a policy has real costs.
Taylored Tax doesn't sell insurance, and the Audit fee doesn't pay for insurance advice. Terrence Taylor holds the insurance licenses on our team: licensed life and health insurance agent, Texas license #3134952. He runs a separate agency, GameChanger Wealth Strategies, which serves Texas residents only today. Any insurance recommendation comes only from that agency, and the insurance company pays him a commission if a policy is placed. You're never required to buy anything. Terrence is a licensed insurance producer in 27 states and the District of Columbia.
Start where you are.
Tax Architecture Audit$2,500
For a $1M+ tax bill with a vest, a sale or a deadline coming. One working session with two Enrolled Agents, and a written map within 10 business days after it. Credited in full toward an engagement signed within 90 days after your session. That's the whole price: no other costs. Refunds and terms.
Book the AuditTax Discovery Call
Talk to us before you pay for anything. That call doesn't make us your tax advisers. That starts with a signed engagement.
Book a Tax Discovery CallLive Q&A on IPO and RSU taxTue Nov 24, 6 PM Central
Bring your questions to two Enrolled Agents.
Save my seatOne example: $12 million of old RSU shares, about $2.38 million in federal tax
Based on what our clients tend to experience. Your plan is built on your own numbers.
A tech executive's RSU shares, all held more than a year, were worth $2 million when they vested. That $2 million was taxed as pay back then. Today the shares are worth $12 million. Selling them all in 2026 is a $10 million gain: 20% capital gains tax plus the 3.8% net investment income tax, about $2.38 million in federal tax. State tax comes on top.
The common advice is "just pay it." Fair. Check three things first.
Would you give to charity anyway? Giving long-held shares instead of cash can avoid the capital gains tax on those shares, and the gift has to happen before the sale is locked in.
Would you leave part of it to charity? A charitable remainder trust can sell the shares without tax inside the trust, pay you income for years, and leave what's left to charity. You pay the tax as the income comes out.
Do you want to spread out your risk without selling? A properly built exchange fund can swap one stock for a share of a diversified pool with no tax now. The tax is deferred, not erased, funds limit who can join, and you usually commit for 7 years.
Each one depends on facts that have to be checked before the sale, not after.
Rates: IRC 1(h), 1411. Giving: IRC 170, 664. Exchange funds: IRC 721, 351(e).
What does Taylored Tax do?
Taylored Tax is a boutique tax strategy firm for people facing a million-dollar tax problem. Two Enrolled Agents check your facts against the Seven Levers and show you which moves the tax code opens, each tied to its section of the law.
Who is it for?
People facing a $1M+ tax bill from income, capital gains or an estate: tech workers and executives holding RSUs or options, founders, business sellers and families. We serve US citizens and permanent residents only.
Is this a loophole play?
No. We use the law as Congress wrote it and as the courts apply it.
Do you replace my CPA?
No. Your CPA files, and your CPA can work from our plan. Taylored Tax doesn't prepare or file returns.
Will you tell me whether to sell my stock?
We show you what the tax looks like each way. Whether to buy, hold or sell any investment for market reasons is a question for your investment adviser.
Do you help with state taxes?
Yes. Your state may tax these events differently, so we show the state tax on each choice next to the federal tax. If a state question turns on a legal judgment, such as where you're a resident, we'll say so and work with your attorney.
Do you draft trusts or other legal documents?
No. We don't practice law. Where a lever needs a legal document, your attorney drafts it.
What does the Audit cost?
$2,500, credited in full toward an engagement signed within 90 days after your session. That's the whole price: no other costs. Refunds and terms. Larger engagements are by proposal.
Will you promise a savings number?
No. What you can save depends on your income, your state, your timing and the moves you choose to make.
Subscribe to The Tax Architect, our complimentary newsletter.
Plain-English tax moves for people with a $1M+ tax bill: what to do before a vest, a sale or December 31. We write when there's a move to make. Tax is the door. Wealth is the room behind it.
One email per tax move. Unsubscribe anytime. Privacy