Seven Areas of the Tax Code, Checked in the Same Order Every Time

The Seven Levers™ of Tax Savings checks your situation against seven areas of the tax code, in the same order every time. Your plan uses only the levers that fit your facts.

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

You and your spouse earn a combined $2,000,000. In a top-tax state like California or New York City, a couple earning $2,000,000 can pay close to half of it in income and payroll taxes. Your CPA files the return and sends a bill. Here's what happens when you start pulling levers.

Lever	Main strategies
1. Start a Business	S-Corp + deductions + QBI
2. Invest in Real Estate	Cost seg + 1031 + pacing
3. Life Insurance	Lever 3. Life insurance: what it protects, what it costs, and how borrowing against the cash value is taxed.
4. Maximize Retirement	DBP + Roth
5. Plan Your Estate	Trusts + ILIT + digital eState Plan
6. Strategic Giving	CRT + DAF + private foundation
7. Private Equity	QSBS + Opportunity Zones

The Same System, Different Situations

The Single High Earner

$1.8M in total compensation. Files single. The 37% bracket starts at $640,600 of taxable income for a single filer, versus $768,700 on a joint return. No spouse to split income or double the estate exclusion. QSBS limits apply per taxpayer, and a married couple filing jointly shares one limit. But the levers still work. The business loss deduction is $256,000 (half of the $512,000 joint limit). The federal estate exclusion is $15M per person; a couple reaches $30M only by using both, or by a portability election at the first death.

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

Every move in your plan names the section of the Internal Revenue Code behind it and the form it lands on. Your CPA can file it, and you can check it.

We'll show you which parts of that bill the Code lets you cut.

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.

Book a Free Strategy Call Download All 7 Lever Guides

"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.