Defer S-Corp bonus income to future low-tax years via rabbi trust.
S-Corp/C-Corp owners can defer bonus/salary income under §409A into a rabbi trust — assets grow tax-deferred, taxed on distribution in future lower-tax years (retirement, sabbatical). No annual contribution limit like qualified plans. Assets remain subject to corporate creditors (that's the tradeoff). Combines with cash balance and Solo 401(k) for stacked deferral.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.