Recent Engagements
Five quiet wins, anonymized.
A short look at how the practice approaches the kinds of problems business owners, real-estate holders, and exit-bound founders bring to the door.
Important
Names, professions, geographies, and select figures have been altered to protect client confidentiality. Results vary by case and are not guarantees of future performance.
Case I · Cost Segregation
$166K of depreciation, unlocked in year one.
A California real-estate investor was depreciating a rental property on the standard 27.5-year straight-line schedule, writing the same modest deduction off year after year. A cost-segregation study reclassified components - HVAC, flooring, fixtures, land improvements - into their actual 5-15 year useful lives, front-loading the deduction into year one without changing the property, the tenants, or the rent roll.
Real-Estate Investor · CA · Engineering-Based Cost Segregation Study
Case II · DB Plan + 401(h)
A surgeon's $500K tax bill, cut by $430K.
Solo plastic-surgery practice, $5M revenue, $580K W-2. On track for a $500K federal tax bill. We layered a Defined Benefit plan with a 401(h) medical reserve on the existing 401(k) - a structure most advisors don't propose because it requires actuarial certification - and recut the math from $500K to $70K.
Plastic Surgeon · CA · Defined Benefit + 401(h)
Case III · Charitable Remainder Trust
$13M in one stock, turned into lifetime income.
An estate-planning attorney referred a 51-year-old engineer sitting on $13M in a single highly-appreciated stock. He needed $420K/year in retirement without the tax bill swallowing his runway. Working alongside his CPA, estate attorney, and our in-house team, we moved $6.7M into a Charitable Remainder Trust - sold inside the trust with zero capital-gains tax, distributing 7% annually for life.
Tech Engineer · Age 51 · CRT + Multi-Advisor Coordination
Case IV · Controlled-Group Workaround
A Defined Benefit plan the S-Corp couldn't allow.
50-year-old S-Corp owner with 20+ employees wanted a DB plan. ERISA's controlled-group attribution rules blocked every direct path - the trap most advisors miss. We created a separate Management Company owned 100% by a non-attributed third party; husband becomes its sole W-2 employee, the MC adopts its own DB plan + Solo 401(k), and §162 Executive Bonus arrangements were layered for the kids.
S-Corp Owner · Age 50 · Management Co. + §162 Bonus
Case V · Multi-Strategy Family Plan
Four strategies, one coordinated plan.
A 58-year-old tech engineer, $6M concentrated stock, $4M 401(k), spouse running a thriving dental practice. His CPA's advice: "Before you do anything, talk to the practice." One question - "If taxes weren't an issue, how much would you sell?" - opened a four-part path: CRT, Roth conversion, 412(e)(3) pension, and cost-segregation on $6M of rental real-estate.
Tech Engineer 58 + Dentist Spouse · CRT + Roth + 412(e)(3) + Cost Seg
- Strategy 1
$3M into a CRT; tax-free sale inside, $165K/yr for life, $677K deduction.
- Strategy 2
Multi-year Roth conversion offset by the CRT's charitable deduction.
- Strategy 3
412(e)(3) insured pension for the spouse: $250K/yr deferred at top bracket.
- Strategy 4
Spouse as Real-Estate Professional; cost-seg on $6M rental portfolio.
Your numbers
Would a coordinated plan change your math?
Fifteen minutes. Either the strategy fits your situation, or it doesn't. You'll know by the end of the call.
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Important disclosures
Case studies are illustrative and have been anonymized. Names, professions, geographies, ages, and select figures have been altered to protect client confidentiality. Stated results reflect specific engagements and are not representative of all clients, all situations, or future performance. Strategies described - Defined Benefit plans, Charitable Remainder Trusts, cost segregation, 401(h), 412(e)(3), §162 Executive Bonus arrangements, Real Estate Professional classification - have specific eligibility requirements, design constraints, and ongoing compliance obligations under ERISA, the Internal Revenue Code, and state law. Whether any strategy is appropriate for you depends on facts specific to your business, income, age, family, and jurisdiction. Nothing here constitutes investment, tax, legal, or accounting advice. Consult your own qualified advisors before acting. The practice operates under Alpha Innovation Partners.
