Deduct up to $2.85M/year in premiums to your own insurer.
Form a small captive insurance company that insures real, uninsured business risks (cyber, business interruption, regulatory, key person). Business deducts premiums up to $2.85M/year; captive elects §831(b) to tax only investment income, not premiums. Reserves compound tax-deferred. IRS scrutinizes heavily — requires legitimate risk, actuarial pricing, and proper claims process. Not a tax shelter, a risk-financing tool.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Multiply the $10M §1202 exclusion across multiple trusts.
4% corporate tax + 0% capital gains for bona fide residents.
Stack the $500K primary-home exclusion on top of a 1031 deferral.
Convert Traditional to Roth during sabbaticals or business-loss years.
Capitalize property taxes and interest on undeveloped land.
Deduct now, control forever, employ heirs.
Ordinary loss (not capital loss) on failed small biz — up to $100K.
Buy leveraged real estate inside your IRA — tax-deferred or tax-free.