Four Strategies. One Plan.
Tax Strategy
A tax strategy is far more than a collection of tactics or loopholes applied to money you've already earned. It requires that you be educated, so you can reduce your taxes every day of every week of every month of every year. Every dollar you earn is either taxed or it isn't. Every dollar you spend is either deductible or it isn't. A complete tax strategy lowers your rates, improves the type of income you earn so it's taxed more favorably, includes ways to earn money tax-free, and uses the investments you make - and the way you make them - to offset tax on income from elsewhere. Combined with a wealth strategy and a legacy strategy, it stops being a once-a-year exercise and becomes a way to lead a Tax-Free Life™.
Wealth Strategy
Most entrepreneurs are remarkably clear about their business; how to build a great product, serve clients well, and grow profit year after year. Ask those same owners how to invest outside the business and the clarity disappears. Hand it to someone on Wall Street, or build something you actually understand? You've built one exceptional asset; it shouldn't be the only one. We partner with our clients to decide which path is genuinely theirs, which asset class deserves their focus, and who belongs on the team. The best investors in the world share two habits: a relentless focus on a single type of asset with specific criteria for investing, and the understanding that investing is a team sport. And remember: how you invest your money has an enormous impact on the tax you'll pay. The tax law is a series of incentives for specific kinds of investing. Without a clear wealth strategy, your tax strategy is severely weakened.
Asset Protection
A tax strategy protects your money from the government. Asset protection defends it from everyone else. As you build significant wealth, the number of people interested in a piece of it grows right along with it - and nearly every option for protecting it disappears the moment a claim arrives. Seat belts don't help after the crash. So you start early: the entities you use to own your assets, the separation between what carries risk and what doesn't, and the way your legacy strategy passes wealth on to your family and the causes you care about. Done well, asset protection buys real peace of mind without costing you an arm and a leg.
Legacy Strategy
Legacy planning is one of the least understood aspects of financial well-being, and one of the easiest to put off. Whether you plan to leave your money to a spouse, your children, your grandchildren, or a charity, or to spend every dollar while you're alive, you need a strategy that protects you and your loved ones from pirates and predators as well as from the government. It isn't a separate exercise from everything else. The trusts you use in a well-built legacy strategy can reduce your income taxes today while providing for your favorite charity and the people you love. And gift and estate taxes can take a meaningful bite out of what you've spent a lifetime building when no one plans for them in advance.
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