A curated library of 798 strategies — every play the wealthy use to access capital, cut taxes, and compound faster. Click any one to run it on your numbers with your advisory team.
Front-load depreciation on real estate to slash current-year taxes.
A cost seg study reclassifies building components (fixtures, land improvements, personal property) from 27.5/39-year life into 5-, 7-, and 15-year buckets. Combined with bonus depreciation, you can deduct 20-35% of the building's basis in year one.
Defer capital gains indefinitely by rolling into bigger real estate.
Sell an investment property and reinvest proceeds into like-kind property within 45/180 days to defer 100% of cap gains + depreciation recapture. Chain forever; step-up basis at death wipes the tax.
Rent your home to your business up to 14 days/year — tax-free.
Rent your personal residence to your S-corp/LLC for board meetings, retreats, or shoots. The business deducts fair-market rent; you receive it 100% tax-free (up to 14 days/year).
Slash self-employment tax on profits above ~$50K.
An S-corp pays you a 'reasonable' W-2 salary; remaining profit distributes free of the 15.3% SE tax. Sweet spot: $80K–$500K net profit.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
SBA 7(a) guarantees up to 90% of a business acquisition loan. Combine with seller carry to reach 5% or less true cash-in-deal.
Owner becomes the bank — negotiate rate, term, and structure.
Seller carries a note (often 10–30% of purchase) at negotiated terms. Reduces cash needed, blends down cost of capital, aligns seller with post-close performance.
Tap home equity to fund higher-yield investments.
Draw on a HELOC (variable, interest-only) to acquire cash-flowing assets whose after-tax yield exceeds the HELOC rate. Manage rate risk with quick payback or refi.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack business credit cards with 0% intro APRs (12–21 mo) using strong personal + business credit. Use for inventory, marketing, or bridge — pay off before promo ends.
Shelter $69K/yr and borrow up to $50K from yourself.
For self-employed with no full-time employees. Contribute up to $69K (2024) pre-tax or Roth. Loan feature: borrow $50K at prime+1, repay to yourself over 5 yrs.
Buy, Rehab, Rent, Refi, Repeat — recycle capital infinitely.
Buy distressed with hard money, force appreciation via rehab, stabilize with tenants, cash-out refi at 75% of ARV, redeploy pulled capital into the next. Goal: infinite return.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Max HSA ($4,150 single / $8,300 family 2024), invest the balance, pay medical out-of-pocket, save receipts, and reimburse yourself decades later tax-free. Best retirement vehicle in the code.
Buy a 2–4 unit with 3.5% down, tenants pay your mortgage.
Use FHA owner-occupant financing (3.5% down) to buy a duplex, triplex, or fourplex. Live in one unit, rent the others to cover PITI. After 12 months owner-occupancy requirement, repeat with a new FHA loan (must refi previous to conventional first, or use next-loan exception). Stack 4–8 units in 3–4 years starting with <$20k cash.
High earners bypass Roth income limits legally.
Contribute $7K to non-deductible traditional IRA → immediately convert to Roth. Bypasses $161K/240K income phaseout. WATCH: pro-rata rule aggregates ALL traditional IRA balances — roll them into 401(k) first.
Buy cash, cash-out refi inside 6 months at purchase price — not appraised value.
Fannie Mae's Delayed Financing Exception lets an investor who bought a property with cash (including card-funded or private-money-funded) do a cash-out refinance within 6 months of closing at up to 75% LTV — using purchase price + closing costs as the basis, bypassing the normal 6–12 month seasoning. Enables true BRRRR at conforming rates without hard money.
100% P&T disability triggers state property tax exemptions, federal income tax exclusions, and dependent education benefits.
A 100% Permanent & Total VA Disability rating unlocks: (1) tax-free VA compensation ~$3,946/mo + dependent add-ons, (2) full property tax exemption in 20+ states (TX, FL, VA, NJ, IL, PA, others — check state), (3) CHAMPVA healthcare for spouse/dependents, (4) Chapter 35 DEA education benefits ~$1,536/mo per dependent, (5) waived commercial license fees, (6) TSA PreCheck. If service-connected but under 100%, appeal aggressively — the delta is enormous.