"I earn $2 million a year and keep less than half."

How Much Could All Seven Levers Save You?

Every lever has a range of savings depending on how aggressively you implement it. Here's what Low, Medium, and High look like across all 7 levers for a $2M earner with a ~$1M tax bill.

The Story of a $2M Earner, Married Filing Jointly

You and your spouse earn a combined $2,000,000. Between federal taxes, state income tax, and the extra taxes your state charges high earners, your effective tax rate is ~50%. You owe roughly $1,000,000 in taxes every year. Your CPA files the return and sends a bill. Here's what happens when you start pulling levers.

Lever	Low	Medium	High	Real Client Proof
1. Start a Business S-Corp + deductions + QBI	$43K	$137K	$200K	Meta Sr Dir: $43K. Google VP: $137K. Fortune 500 VP: $200K.
2. Invest in Real Estate Cost seg + 1031 + pacing	$83K	$200K	$356K	1 property: $83K. 4 properties: $200K. Meta Sr Dir: $356K.
3. Life Insurance IUL + policy loans + tax-free income	$50K	$150K	$500K+	Basic IUL: $50K. Equity Cycling: $150K. Full deployment: $500K+.
4. Maximize Retirement DBP + Roth + Strategic Rollout	$74K	$212K	$1.1M*	DBP alone: $74K. Full sequence: $212K. Google VP: $1.1M lifetime.*
5. Plan Your Estate Trusts + ILIT + digital eState Plan	$50K	$200K	$5.6M*	Basic trust: $50K. ILIT: $200K. Anthropic VP: $5.6M.*
6. Strategic Giving CRT + DAF + Deferred Escrow Trust	$25K	$222K	$713K	DAF bunching: $25K. Fortune 500 couple: $222K. Google VP: $713K.
7. Private Equity QSBS + Opportunity Zones	$25K	$2.38M*	$14.3M*	Ongoing: $25K. Single exit: $2.38M. Family stacking: $14.3M.*

* Lever 4 High is lifetime savings. Levers 5 and 7 High are one-time event savings (estate transfer, business exit). All other amounts are annual.

Cumulative Annual Savings Across All 7 Levers

Conservative

$350K

Typical

$850K

Maximum

$2M+

On a $1M annual tax bill. Conservative = basic implementation of each lever. Typical = what most engaged clients achieve. Maximum = every lever fully optimized.

The Same System, Different Situations

The Single High Earner

$1.8M in total compensation. Files single. Every dollar hits the 37% bracket sooner ($626K vs $751K for married). No spouse to split income, double exemptions, or stack QSBS shares. But the levers still work. The business loss deduction is $313K (half of MFJ). The estate exemption is $15M (half of $30M). Life insurance and retirement strategies are identical.

Primary levers: 1 (business deductions are even more critical), 3 (no spousal safety net), 4 (retirement optimization)

Typical annual savings: $400K-$600K

The Divorced Rebuilder

$1.5M income. Rebuilding after divorce. Lost half of everything. Paying $80K/year in alimony with after-tax dollars. Assets divided. Estate plan shattered. But every obligation is an opportunity in disguise. The alimony becomes a whole life policy ($1M+ legacy benefit). The divided retirement accounts get Strategic Rollout. The restructured estate gets a digital eState Plan. The rebuilding starts with Lever 1.

Primary levers: 3 (alimony → insurance), 5 (estate restructuring), 1 (new business post-career), 4 (retirement rebuild)

Typical annual savings: $300K-$500K (plus turning obligations into assets)

A Google VP uses just 2 levers and saves $850,000 per year. Imagine what all 7 could do. A Meta Senior Director saves $398,866 on 2 levers. An Anthropic VP reduced estate taxes by $5.6 million. A divorced client turned $80K in alimony into a $1M legacy benefit. The system is the same. The numbers are yours.

"Wait. How can I save $2M in taxes if I only owe $1M?"

Great question. Here's the answer most CPAs don't know:

The Seven Levers don't just reduce this year's tax bill. They generate deductions that carry forward. A business loss, accelerated depreciation from a cost segregation study, a Defined Benefit Plan contribution, charitable deductions from a CRT: these can add up to more than your current year's tax liability.

So yes, you could reduce your tax bill by $2M on $1M in taxes. You would pay $0 in taxes this year. And the remaining $1M in deductions carries forward to next year, giving you a massive head start on reducing next year's tax bill too.

We know it sounds insane. And yet, understanding the Internal Revenue Code and using the Seven Levers™ of Tax Savings to plan and implement tax-saving strategies can deliver results, legally, that will amaze you.

This is why we say "perennially save on taxes." It's not a one-time event. It's a system that compounds year after year.

Your tax bill doesn't have to be $1 million.

One conversation. 30 minutes. We'll tell you which levers apply to your situation and show you the numbers. Free. No obligation. If it doesn't fit, we'll say so.

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