Your CPA files the return.
We architect the savings.

For executives, founders and families facing a $1M+ tax bill
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. We show you which choices the tax code gives you, in writing, with every move tied to a section of the law.
Book a Tax Discovery Call
We don't promise a savings figure. What you can save depends on your income, your state, your timing and the moves you choose to make.
The System
The Seven Levers™ of Tax Savings
Each lever targets a different aspect of your financial life. Together, they transform it.
1
Start or Expand a Business
S-Corp + deductions + QBI (20%, permanent)
2
Invest in Real Estate
Cost segregation + 1031 + 100% bonus depreciation
4
Maximize Retirement Savings
Defined Benefit Plan
5
Plan Your Estate
Trusts + ILIT + Digital eState Plan
6
Practice Strategic Giving
CRT + DAF + Deferred Escrow Trust
7
Invest Through Private Equity
QSBS $15M exclusion + Opportunity Zones
Hypothetical Example
Hypothetical: $12 million of old RSU shares, about $2.38 million in federal tax
Hypothetical example built from made-up facts, for illustration only. Your numbers will differ.

A tech executive's RSU shares 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.

  1. 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.
  2. 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.
  3. 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, 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).

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The .ai Advantage
Run Your Numbers. Right Now.
No login. No email. Just your numbers and your results. This is what makes us different.
1
S-Corp Savings Calculator
See how much an S-Corporation saves on self-employment tax + deductions
2
Real Estate Tax Calculator
Cost segregation savings + pacing multiplier
5
Estate + Probate Calculator
Federal + state estate tax + probate risk by state
6
Charitable Giving Optimizer
CRT vs selling: see how much more you keep
7
QSBS Exit Calculator
See how much gain Section 1202 could exclude on qualifying startup stock.
A $1M+ tax bill deserves a plan before it's due
In 30 minutes we'll tell you which of the Seven Levers™ fit what's coming for you, and whether a paid audit is worth it. If it isn't, we'll say so.
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THE TAX ARCHITECT
Tax is the door. Wealth is the room behind it.
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. Unsubscribe anytime.
Terrence O. Taylor, EA, MBA (Harvard Business School) & Al Darnell, Jr (BiG Al), EA, MBA
Enrolled Agents, enrolled to represent taxpayers before the Internal Revenue Service · Terrence: licensed insurance producer in 27 states and the District of Columbia
Every strategy is grounded in the tax code. We don't exploit loopholes. We use the law as written.
Seven Levers Resources Podcast The Tax Architect WealthCare Book a Call
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"Tax-free" refers to qualified Roth distributions and properly structured strategies, which carry IRS requirements (for Roth: the 5-year rule and age 59½, with limited exceptions). Guarantees are subject to the claims-paying ability of the issuing insurance carrier. Educational information only, not tax, legal, or investment advice.

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