During Earning Years – High Net Worth

Most Important Questions

Enter your information below to get answers to the questions you've selected!

Yes I would like to know more about the questions I checked.

Growing Wealth With Less Risk and Taxes

Investment Strategies

Contrary to conventional investment theory, it is possible to increase total after tax return while reducing risk.

We employ a truly diversified approach to portfolio risk management that looks nothing like the conventional buy and hold wire-house model.

Our goal is active low-volatiliy, low/medium risk, multi-manager strategies of true diversification with low-correlation to the traditional benchmarks. This allows for capturing returns with less downside risk exposure.

For more information on our strategy of reducing risk and improving after tax performance, fill out your information below:

Yes I would like to know more about your strategy of reducing risk and improving after tax performance.

Insured Tax-Deferral Strategies

The purpose of insured strategies for Ultra High Net Worth clients is to reduce taxes and provide unique and predictable net present value discounts.

It is axiomatic that dramatic increases in yield are achieved by the compounding returns of deferring tax on investment growth.

This is even more impactful for High Net Worth clients because UHNW are generally in higher income and estate tax brackets and UHNW have longer time horizons for compounding (multi-generational in many cases).

The IRS code allows for a wide variety of tax deferral strategies within the code section of 'insurance'.

The creative integration of these insurance structures with our unique approach to 'risk management' provides our clients with a unique blend of 'safe creative tax benefits' and 'proven risk management' investment strategies.

Yes I would like to know more about the tax benefits of the insured strategies to increase after tax yield.

High Net Worth clients face the biggest threat from taxes and failure to optimize risk/reward in portfolios.

Our approach is a proprietary combination of:

  1. Unique investment risk-management strategies
  2. Efficient tax reduction management through the creative use of tax deferral structures.

For more info read below:

Tax Deferral Strategies

Reducing taxes to increase wealth

The more after tax money you have, the more you can save.

By investing tax efficiently and deferring tax on the growth of your money, the more you will have at retirement.

Minimizing taxes is a central core of our approach to wealth accumulation. It only makes sense to talk about return after fees and taxes.

The greatest single factor that increases long-term yield is the ability to defer, reduce and eliminate taxes. Over decades, tax efficiency is one of the most powerful tools that we have. Most wire-houses and brokers give little attention to overall tax reduction strategies. We make it a core planning tool.

There are different techniques available for different tax situations:


Reduce Tax On Your Earned Salary Income

Reduce Tax On Your Earned Salary Income


Traditional Approach

Qualified Plan (IRA, Defined Benefit, 401(k), etc) allow you to defer tax on salary and to grow it tax deferred until you withdraw it during retirement.

Non-traditional Approach

There are alternative programs that allow for additional deductions and deferrals. (Particularly for very high income individuals and private business owners).

Yes I would like to know more about reducing the taxes on my salary or business income.

Stop Paying Tax On Growth In Your Non-IRA Investment Porftolio

Stop Paying Tax On Growth In Your Non-IRA Investment Portfolio

What if you could defer tax on the growth of your investment income that you didn't need? What if you could sell your profitable positions while deferring the gain on the sale? What if you could defer such taxes for years, decades or even to your grandchildren? For high income and high net worth clients, taxation is a major irritation. A 6% portfolio investment return is reduced to a 4% net return because of taxes on passive income. This is a 30% reduction in after-tax total return. Additionally, many people are holding onto stocks that they don't like because they have accumulated gains that require paying taxes to re-allocate. What is the solution to this?

Conventional Solutions

The feeble argument by investment brokers is to 'tax efficiently harvest losses.' This makes no sense. They are trying to make 'losing money' sound useful, when you can only use it after they lost your money. This is trying to make a silk purse out of a sow's ear, to use a farmer's phrase.

Advanced EPIC Wealth Solutions:

  1. Solution one allows you to grow your investment money tax deferred until you need it. This means instead of paying taxes each year on market gains, you can let the gains compound tax deferred and only pay tax when you take the income.
    Yes I would like to know more about how to defer tax on my non-IRA investments.
  2. Solution two (same as above) but allows you to pass the untaxed growth to children or grandchildren. This can turn $100,000 into $1,000,000 for grandchildren and it continues to grow tax deferred for their lifetime and is only taxed upon withdrawal.
    Yes I would like to know more about how to defer tax to my children and grandchildren.
Defer Tax On The Sale Of Your Existing Appreciated

How to sell already appreciated stock and defer the capital gains tax.

Never again feel trapped into holding a position because it has gain (requires paying tax to liquidate or rebalance).

You can sell the asset and defer paying the tax.

Yes I am interested in how to defer tax on the sale of appreciated stock.

Defer Tax On The Sale Of Real Estate

Defer tax on the sale of real estate?

This is an alternative to 1031 exchange that allows you to completely liquidate your position for cash and not be required to remain in real estate or to re-invest within any period of time (no 1031 exchange restrictions).

Yes I am interested in how to defer tax on the sale of real estate.

Defer Tax On The Rental Income Generated From Real Estate

Defer Tax On The Rental Income Generated From Real Estate

Do you have more income from real estate than you need for living expenses? If you could defer the tax on the rental income, you could reduce your taxable income.

Yes I am interested in how to defer tax on the rental income generated from real estate.

Defer Tax On The Sale Of Business Interests

Would you like to sell your business, but defer the tax on the gains resulting from the sale?

Yes I am interested in how to defer tax on the sale of business interests.

Defer Capital Gains Tax On The Sale Of All Capital Assets (Stock Portfolio, Real Estate, Business, Art)

Defer Capital Gains Tax On The Sale Of All Capital Assets (Stock Portfolio, Real Estate, Business, Art)

Sellers of buildings, businesses, art or appreciated stock looking to reallocate would like to 'defer' the tax on the sale.

Conventional Solutions

Real estate 1031 exchanges allow for replacing property A with property B, but doesn't allow the seller to be free of real estate fees and the headaches of management. Our solutions will allow him to 'cash out' and re-invest 100% of the proceeds.

Advanced EPIC Wealth Solutions:

Defer tax on gains, have cash to reinvest under your control, asset protected and the re-invested proceeds grow tax deferred until withdrawn.

This is a proprietary technique.

I would like to know how to defer paying tax on the sale of appreciated assets.


Zero-Tax Strategy For Retirement

Allows deferring tax on the growth and no tax on the withdrawals.

Referred to as 'Super-Roth', this has the benefits of Roth-like tax treatment (deferring tax on growth and non-taxable access to cash), but has no contribution limits.

This is one of the safest and most tax efficient structures allowed by the IRS. It is relatively unknown to most investment brokers.

This can also be set up by grandparents for children and grandchildren to achieve long term tax efficiencies and investment safety.

I would like to know more about the 'Zero Tax Plan'.

Roth Conversion

There is much talk about the benefits of ROTH conversion.

This involves taking money out of the IRA today (and paying the current tax) and re-investing this money into a ROTH IRA, that will grow tax deferred and withdrawals are not taxed.

Generally this strategy is very attractive for younger people and less attractive over 60. It requires objective analysis to determine if it is a good fit for each person depending on age, needs and circumstances.

I would like to know more about Roth IRA conversion.

Reducing the Cost of Estate Taxes

Currently, each individual can pass $5,430,000 without estate tax. That is nearly $11 million per couple.

Traditional Solutions

Most estate planning attorneys have a variety of tools for 'discounting' values. These techniques are under attack and effective September 2015, could lose appeal.

EPIC Wealth Advisors Solutions

The whole is greater than the sum of its parts when it comes to advanced estate planning. Combining our financial and insurance structuring skills with the special skills of a competent tax attorney, we can achieve better results than either of us can achieve alone.

For decades, we have worked with many of the best tax attorneys in America to combine our financial and insurance techniques with the legal strategies.

If you have an estate tax problem, let us review your situation and share with you some of our proprietary approaches and work with your tax counsel to achieve superior results.

I would like information on how to reduce costs of estate taxes.