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Wealth Building

Strategies for building long-term wealth as a business owner through smart financial planning

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Spousal Lifetime Access Trusts (SLATs): How Business Owners Move Future Growth Out of Their Estate

A Spousal Lifetime Access Trust (SLAT) lets a business owner move an appreciating asset — and all its future growth — out of the taxable estate while the beneficiary spouse retains access to distributions. With the 2026 lifetime exemption set at $15 million per individual, this guide covers the mechanics, valuation discounts, the reciprocal trust doctrine, and the divorce and death risks to plan around.

mike

estate-planningtrusttax-planning

Direct Indexing for Tax-Loss Harvesting in 2026: The Loss Machine ETFs Cannot Build

A 2026 guide to direct indexing — how owning the 500 underlying stocks of an index in a separately managed account harvests $18,281 of losses per year on average versus $4,808 for ETF investors, why the §1091 wash-sale rule and Rev. Rul. 2008-5 IRA trap can destroy your tax alpha, the platforms (Frec, Wealthfront, Schwab, Vanguard, BlackRock Aperio) competing at 9–40 bps with $5K–$1M minimums, and the loss-exhaustion problem that limits the strategy to a 5–10 year shelf life.

mike

direct-indexingtax-loss-harvestingtax-planning

The Mega Backdoor Roth Playbook: How High Earners Can Funnel an Extra $47,500 Into Tax-Free Retirement Accounts in 2026

The mega backdoor Roth routes up to $47,500 of after-tax 401(k) contributions into a Roth bucket for 2026, on top of the standard $24,500 employee deferral, by converting after-tax dollars through an in-plan Roth conversion or in-service distribution to a Roth IRA. The IRS Section 415(c) total cap of $72,000 ($80,000 if age 50+) covers contributions from all sources combined, and converting promptly keeps the taxable earnings drag near zero.

mike

retirement-plansretirement-savingstax-planning

Family Limited Partnership Valuation Discounts in 2026: How Wealthy Families Quietly Shave 25–40% Off Estate and Gift Tax Bills

A practical 2026 guide to Family Limited Partnership valuation discounts — how high-net-worth families combine 10–25% lack-of-control and 20–35% lack-of-marketability discounts to cut estate and gift tax exposure, with worked numerical examples, the IRC Section 2036 traps that have collapsed estates in Tax Court, setup costs, and the bookkeeping required to defend the structure on audit.

mike

estate-planningtax-planningpartnerships

Generation-Skipping Transfer Tax in 2026: How Grandparents Move Wealth to Grandchildren Without Paying Estate Tax Twice

For 2026 the One Big Beautiful Bill Act sets the GST exemption at $15 million per person ($30 million per couple), with a flat 40 percent rate on transfers to skip persons; this guide covers skip-person rules, direct skips, taxable terminations, automatic versus elective exemption allocation, and how dynasty trusts achieve a zero inclusion ratio.

mike

taxtax-planningestate-planning
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