Sell to a perpetual trust for employees — no ESOP complexity.
The EOT (US variant, popularized 2023+) is a perpetual trust that owns the company for employees' benefit. Simpler and cheaper than an ESOP (no annual valuation, no §401(a) compliance, no repurchase obligation). Seller finances the sale; installment payments over 5–15 years. Growing rapidly as an ESOP alternative for $2M–$20M businesses.
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.
Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.