These Are Real Results from Real Clients

A Senior Director at Meta was paying the maximum 37% federal rate on $2M+ in total compensation with almost no deductions available. His CPA had never mentioned that a consulting S-Corporation could split his side income into salary and distributions, eliminating self-employment tax on the distributions entirely. We structured the S-Corp and identified $60K+ in business deductions his W-2 job could never access. He now saves $42,939 every year. And this is just Lever 1.

A former Fortune 500 VP transitioned from corporate life to consulting. With the right entity structure (S-Corporation), aggressive but legal business deductions, and the Qualified Business Income deduction (20%, now permanent under the OBBBA), he saves $200,320 every year compared to his previous W-2-only tax situation. His business also qualifies him for a Defined Benefit Plan (Lever 4) and executive life insurance funding (Lever 3).

The same Meta Senior Director from Lever 1 invested in real estate and used cost segregation studies to accelerate depreciation. Combined real estate tax savings: $355,927. With Lever 1 ($42,939) and Lever 2 ($355,927), his total across just 2 levers is $398,866. He hasn't touched Levers 3-7 yet.

A client with 4 rental properties had been depreciating them over the standard 27.5 years. Their CPA never mentioned cost segregation. We commissioned engineering studies on all 4 properties, reclassifying building components for accelerated depreciation. Year 1 tax savings: $200,000. With 100% bonus depreciation now permanent under the OBBBA, this strategy is even more powerful than when they first used it.

A business with seasonal cash flow needed liquidity AND wanted to protect against losing key executives. One policy solved three problems: a $50,000 business line of credit to manage seasonal cash flow, plus key man insurance for 2 executives with $640,000 and $820,000 legacy benefits respectively. Cash flow management, business continuity, and executive retention, all from a single strategy.

A New York doctor with a private practice rolled half of her 403(b), $770,000, into a Fixed Index Annuity. In her first year, the FIA earned 8% while the half she left in the market earned 1%. The proof showed up in her first statement. She is now rolling over the second half. The FIA's 0% floor means she can never lose money in a down year, while still capturing market gains up to the cap.

The same Google VP rolled $613,000 from his 401(k) into a Fixed Index Annuity. He's now taking penalty-free withdrawals before age 59.5 to fund an Indexed Universal Life policy. This defuses what we call "the ticking tax bomb": the massive tax bill that would have exploded when he started withdrawing in retirement, plus the Required Minimum Distributions at age 73 that would have increased taxes on his Social Security. Projected savings: $1,112,000+ in taxes. Legacy benefit: $551,000.

A VP at Anthropic with a $35M estate was facing a minimum of $14M in potential estate taxes. We created a strategy splitting his estate into a Revocable Trust ($21M) and an Irrevocable Life Insurance Trust ($14M). The ILIT holds an Indexed Universal Life policy that provides cash to pay any remaining estate taxes, so the family never has to sell estate assets to cover the tax bill. His Digital eState Plan lets him structure and fund his trust from his living room, make unlimited changes as life evolves, and add grandchildren as beneficiaries from the golf course. Estate tax reduction: $5.6 million.

A small business owner and his wife had highly appreciated assets and wanted to support causes they cared about. By donating appreciated assets through a Charitable Remainder Trust, they eliminated $1.4 million in capital gains taxes, received an immediate charitable deduction, and now receive income from the trust for life. The charity will eventually receive the remainder. They gave generously. They kept more than they would have by selling. And the IRS received nothing on the gains.

A Director at Nvidia came to us with 15 separate investments scattered across different structures. We're consolidating them into a single private equity fund and structuring any new investments through the fund. Every new venture he creates will be structured as a C-Corporation qualifying for the $15M Qualified Small Business Stock exclusion (raised from $10M by the OBBBA). With family stacking across shareholders and trusts, the total exclusion capacity could exceed $60M.