Our focus

Business Owners and High Networth Individuals
Tax Free Retirement Income Using OPM

For business owners and other high-net-worth investors, IULs offer particularly strong advantages, including the flexibility to invest in index funds with guaranteed asset protection and no management fees. Fixed-rate ULs remain a strong option for highly conservative affluent investors seeking a higher fixed rate of return. For those clients whom you believe would benefit from overfunding permanent life insurance as a component of their overall wealth management plan, the following discussion points may help you clarify the value:

ax-favored growth: Tax rates on investment portfolios continue to rise, making income-tax-deferred investment options a critical component of retirement planning. Returns on permanent life policies grow untaxed—when properly structured, they may be accessed untaxed, provide an income-tax-free death benefit, and/or continue to grow tax-deferred until funds are drawn (prior to death).

Specialized Tax Incentives R&D Tax Credits

All businesses engaged in domestic manufacturing and production activities qualify for IRC § 199 Domestic Production Activities Deduction benefit. Traditional manufacturers qualify but the rules have broadened the traditional definition of manufacturing to also include companies such as Qualifying production property which was manufactured, produced, grown, or extracted by the taxpayer in whole or in significant part within the United States, Construction firms for construction performed in the United States, Engineering and architectural firms for services performed in the United States for construction projects in the United States, and Electricity, natural gas, and potable water producers for U.S. production.

Profitable companies participating in these industries may be entitled to the generous tax and cash benefits provided by this incentive.

Commercial RE Tax Recapture

Any Commercial Property Owner who pays over $50,000 per year in Real or Personal Property Tax is worthy of a free review to determine potential reduction opportunities. The immediate benefit is the reduction of taxes owed and the potential of refunds on prior taxes paid. The future benefits would similarly be a reduced tax burden going forward, producing an increased cash flow for the business.

Our experienced team of professionals in mitigation, valuation, assessments, and law will work on your case to identify any potential opportunity for refunds and/or reductions in your current property taxes.

We perform all the work on your behalf until savings are captured, including partaking in hearings and filing necessary paperwork. We act as an extension of your company toward the governing property tax bodies.

Cost Segregation & Much Much More

Depreciation recapture is an often misunderstood aspect of tax planning and comes into effect only during the sale of a property. Recapture is limited to the lesser of the gain or the depreciation taken. Meaning, first you have to sell the property and have a gain on the sale to even be concerned.

To have a loss, one would have to sell the property for less than its net tax value. For practical purposes, the depreciation taken is the main limiting factor because the IRS calculates gain as the selling price less the net tax value (cost less depreciation taken). The recapture rules dictate how the gain is taxed, with § 1245 governing personal property and § 1250 governing real property. Section 1245 dictates that the accelerated depreciation taken on personal and real property be taxed at ordinary income tax rates. Section 1250 requires that depreciation taken on real property be taxed at a 25% capital gains rate.

Some of the Things We Do To Help

Business Owners

Recapture monies from over payment of property taxes, cost segregation, specialized tax incentives & more

To help Business Owners and High Networth Individuals to Use & Maximize Every Beneficial Code Provided & Recapture Monies That Have Been Over Looked In Process of Previous Filings!

By Using The Sophistication of Our Software for a Survey, We Can Let a Business Owner Know In 15 minutes or so What Might Have Been Missed and Can Be Recapture In Addition To Strategies To Take Advantage of Going Forward!

The Survey Is Free!

  • Over Payments

    9 out of 10 Commercial Property Investors are Overpaying on Income Taxes

  • Missing Out

    Civil Engineering Firms are consistently missing out on millions of dollars in Federal Tax Incentives!

  • Depreciation Recapture

    Depreciation recapture is an often misunderstood aspect of tax planning and comes into effect only during the sale of a property.

  • WOTC

    Many companies think their payroll company is already taking care of this for them. From our experience, the vast majority of companies are either not taking these types of tax incentives at all, or they are taking only small fractions of what is available.

MEET OUR TEAM

Our Expertise Comes From Experience
Wiley Carter
Wiley Carter
Principal
Kim Moore
Kim Moore
V.P. Agent Marketing
Kal Reece
Kal Reece
National Marketing Director
Michele Capellupo
Michele Capellupo
Director of Communications
Susan Gomez Maldonaldo
Susan Gomez Maldonaldo
Director of Research

Get in touch

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