Structural Planning
Structure decides what you keep.
Once the liability is known, the work turns to structure: how income is earned, which entities hold what, when gains are realized, and which plans sit beneath the business. Each move is priced against the projection, then put in place.
Entity design and owner compensation
Cash balance, defined benefit, and executive bonus plans
Cost segregation and real estate positioning
Sales and liquidity events planned before they close
Overview
Measured, then implemented
Every strategy we recommend carries three figures: what it saves against the projection, what it costs to put in place, and what it asks of you each year after. A strategy that cannot clear that test is not recommended, however popular it may be.
What the work covers
- Entity design. The right entities, connected the right way, with owner compensation set deliberately.
- Retirement plan design. Solo 401(k), cash balance, and defined benefit plans built around the business and the household together.
- Executive bonus arrangements. Compensation structures for owners and key people, coordinated with the entity that pays them.
- Real estate. Cost segregation, depreciation timing, and the passive activity rules that decide whether losses are usable.
- Transactions. The sale of a business, a property, or a concentrated position, planned before the terms are set, while every option still exists.
Carried through
A plan that stays on paper saves nothing. We work alongside your attorneys, lenders, and other advisors to put each structure in place, and we confirm on the return that it performed as designed.
Where a strategy calls for an investment or insurance product, that part of the work is carried out only by appropriately licensed professionals, under their own agreements and disclosures.
Structure before the year closes
Most structural moves carry a deadline. Planning early keeps every option open.
Begin
Start with a conversation.
Thirty minutes on your income, your entities, and whether planning will pay for itself. There is no charge and no obligation.