Buy oil/gas royalty interests — passive cash + depletion allowance.
Non-operating royalty interests pay a share of production with zero operating risk. Combine with the 15% percentage depletion allowance to shelter income. Small operators sell royalty packages at 4–6× annual cash flow. Can be held in SDIRA or IDGT for further optimization.
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.