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    Tax Strategies

    Explore all 58 tax-advantaged strategies - from beginner-friendly to advanced.

    Tax Optimization$0 - $50K

    HSA Triple Tax Advantage

    The only account with tax-free contributions, growth, AND withdrawals for medical expenses.

    beginnerView Strategy
    Retirement$0 - $50K

    Roth IRA

    Tax-free growth and withdrawals in retirement. The younger you start, the more powerful.

    beginnerView Strategy
    Retirement$0 - $50K

    Employer 401(k) Match

    An employer match adds employer money on top of your own contributions, up to a set limit.

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    Investment$0 - $50K

    High-Yield Savings Account

    Earn 4-5% on emergency fund instead of 0.01% at big banks.

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    Retirement$50K - $100K

    Backdoor Roth IRA

    Legal workaround to contribute to Roth IRA when your income is too high.

    intermediateView Strategy
    Tax Optimization$100K - $250K

    Tax-Loss Harvesting

    Sell investments at a loss to offset gains and reduce taxes by up to $3,000/year.

    intermediateView Strategy
    Charitable Giving$100K - $250K

    Donor-Advised Fund (DAF)

    Donate appreciated stock, avoid capital gains tax, get immediate deduction, grant to charities over time.

    intermediateView Strategy
    Education Funding$50K - $100K

    529 Education Savings Plan

    Tax-free growth for education expenses, plus state tax deductions in many states.

    beginnerView Strategy
    Retirement$250K - $500K

    Mega Backdoor Roth

    Contribute up to $72,000+/year to Roth using after-tax 401(k) contributions.

    advancedView Strategy
    Tax Optimization$500K+

    Direct Indexing

    Own individual stocks instead of index funds to harvest $20K-50K+ in tax losses annually.

    advancedView Strategy
    Tax Optimization$500K+

    Securities-Based Lending

    Borrow against your portfolio instead of selling, avoiding capital gains taxes.

    advancedView Strategy
    Investment$250K - $500K

    Qualified Opportunity Zone (QOZ)

    Defer capital gains taxes and potentially pay zero tax on new gains after 10 years.

    advancedView Strategy
    Charitable Giving$500K+

    Charitable Remainder Trust (CRT)

    Convert highly appreciated assets into lifetime income stream while benefiting charity.

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    Estate Planning$500K+

    Dynasty Trust

    Transfer wealth across multiple generations while avoiding estate taxes at each generation.

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    Charitable Giving$500K+

    Qualified Charitable Distribution (QCD)

    Age 70.5+? Send IRA money directly to charity tax-free, without it counting as taxable income.

    intermediateView Strategy
    Business Owner$50K - $100K

    Solo 401(k)

    Self-employed? Contribute up to $72,000/year across employee and employer contributions.

    intermediateView Strategy
    Real Estate$250K - $500K

    1031 Exchange

    Sell investment property, defer all capital gains by buying replacement property.

    advancedView Strategy
    Insurance & Protection$50K - $100K

    VUL on Children

    Lock in insurability young, with tax-deferred cash-value growth for life and protection.

    intermediateView Strategy
    Retirement$250K - $500K

    Social Security Timing Strategy

    Delay claiming to age 70 for 77% more monthly income vs. claiming at 62.

    intermediateView Strategy
    Retirement$250K - $500K

    Roth Conversion Ladder

    Convert Traditional IRA to Roth during low-income years to minimize lifetime taxes.

    advancedView Strategy
    Tax Optimization$0 - $50K

    Flexible Spending Account (FSA)

    Use pre-tax dollars for medical and dependent care - save 25-35% instantly.

    beginnerView Strategy
    Retirement$0 - $50K

    Saver's Credit

    Low-to-moderate income? Get up to $1,000 tax credit for retirement contributions.

    beginnerView Strategy
    Tax Optimization$0 - $50K

    Earned Income Tax Credit (EITC)

    Working families can get up to $8,231 refundable credit - often overlooked.

    beginnerView Strategy
    Tax Optimization$0 - $50K

    Child Tax Credit

    Up to $2,200 per child under 17 - $1,700 is refundable (2026).

    beginnerView Strategy
    Tax Optimization$0 - $50K

    Child and Dependent Care Credit

    Get 20-50% credit on childcare costs so you can work - up to $6,000 in expenses.

    beginnerView Strategy
    Education Funding$0 - $50K

    Student Loan Interest Deduction

    Deduct up to $2,500 in student loan interest - even without itemizing.

    beginnerView Strategy
    Education Funding$0 - $50K

    American Opportunity Tax Credit (AOTC)

    Get up to $2,500/year credit for college costs - 40% is refundable.

    beginnerView Strategy
    Education Funding$0 - $50K

    Lifetime Learning Credit

    Taking ANY courses to improve skills? Get up to $2,000 credit - no degree needed.

    beginnerView Strategy
    Investment$0 - $50K

    Series I Savings Bonds

    Inflation-protected, tax-deferred bonds - up to $10K/year with state tax exemption.

    beginnerView Strategy
    Business Owner$50K - $100K

    SEP IRA

    Self-employed? Contribute up to 25% of income (max $72,000) with simple setup.

    intermediateView Strategy
    Business Owner$50K - $100K

    SIMPLE IRA

    Small business with employees? Easy retirement plan with required matching.

    intermediateView Strategy
    Business Owner$50K - $100K

    Qualified Business Income (QBI) Deduction

    Pass-through business owners can deduct up to 20% of qualified business income.

    intermediateView Strategy
    Business Owner$50K - $100K

    Home Office Deduction

    Self-employed and work from home? Deduct $5/sq ft up to $1,500 - or actual expenses.

    intermediateView Strategy
    Business Owner$50K - $100K

    Section 179 Expense Deduction

    Deduct full cost of business equipment immediately - up to $2.56 million.

    intermediateView Strategy
    Business Owner$50K - $100K

    Bonus Depreciation

    Deduct 100% of new equipment cost immediately - restored by the OBBBA in 2025.

    intermediateView Strategy
    Business Owner$50K - $100K

    Augusta Rule (14-Day Rental)

    Rent your home to your business for 14 days/year - receive tax-free income.

    intermediateView Strategy
    Investment$50K - $100K

    Employee Stock Purchase Plan (ESPP)

    Buy company stock at up to a 15% discount through payroll deductions.

    intermediateView Strategy
    Retirement$50K - $100K

    Net Unrealized Appreciation (NUA)

    Company stock in 401(k)? Pay income tax only on cost basis, capital gains on growth.

    advancedView Strategy
    Tax Optimization$50K - $100K

    Bunching Deductions

    Concentrate donations and expenses in one year to exceed standard deduction.

    intermediateView Strategy
    Business Owner$50K - $100K

    Self-Employed Health Insurance Deduction

    Self-employed? Deduct 100% of health insurance premiums - even without itemizing.

    beginnerView Strategy
    Real Estate$100K - $250K

    Rental Property Depreciation

    Deduct "paper loss" of 3.6% of building value each year - even if property appreciates.

    intermediateView Strategy
    Real Estate$250K - $500K

    Cost Segregation Study

    Accelerate depreciation on commercial property - deduct 20-40% in year one.

    advancedView Strategy
    Real Estate$250K - $500K

    Real Estate Professional Status

    Qualify as RE professional to deduct rental losses against W-2 income.

    advancedView Strategy
    Tax Optimization$250K - $500K

    Installment Sale

    Sell property and receive payments over time - spread capital gains over years.

    advancedView Strategy
    Tax Optimization$100K - $250K

    Residential Clean Energy Credit

    Ended for 2026: the Residential Clean Energy Credit (Section 25D) does not apply to property placed in service after December 31, 2025.

    intermediateView Strategy
    Tax Optimization$50K - $100K

    Energy Efficient Home Improvement Credit

    Ended for 2026: the Energy Efficient Home Improvement Credit (Section 25C) does not apply to property placed in service after December 31, 2025.

    beginnerView Strategy
    Tax Optimization$50K - $100K

    Electric Vehicle Tax Credit

    Ended for 2026: the federal clean vehicle credits (Sections 30D, 25E, 45W) do not apply to vehicles acquired after September 30, 2025.

    beginnerView Strategy
    Estate Planning$50K - $100K

    Annual Gift Tax Exclusion

    Give $19,000/person/year tax-free - remove assets from estate without using exemption.

    beginnerView Strategy
    Tax Optimization$50K - $100K

    Medical Expense Deduction

    Deduct medical expenses exceeding 7.5% of AGI - plan big procedures strategically.

    intermediateView Strategy
    Charitable Giving$500K+

    Charitable Remainder Unitrust (CRUT)

    Transfer appreciated assets, receive variable income for life, charity gets remainder.

    advancedView Strategy
    Estate Planning$500K+

    Irrevocable Life Insurance Trust (ILIT)

    Remove life insurance from estate - heirs receive proceeds tax-free.

    advancedView Strategy
    Estate Planning$500K+

    Grantor Retained Annuity Trust (GRAT)

    Transfer appreciating assets to heirs with minimal gift tax - "estate freeze" strategy.

    advancedView Strategy
    Tax Optimization$500K+

    Deferred Sales Trust

    Sell business or property, defer ALL capital gains indefinitely through trust structure.

    advancedView Strategy
    Investment$250K - $500K

    Opportunity Zone Fund Investment

    Invest capital gains in OZ fund - defer current gain and pay 0% on new gains after 10 years.

    advancedView Strategy
    Business Owner$500K+

    Captive Insurance Company

    Self-insure business risks through your own insurance company - potential tax benefits.

    advancedView Strategy
    Insurance & Protection$500K+

    Private Placement Life Insurance (PPLI)

    High-net-worth? Wrap investments in life insurance for tax-deferred growth, with tax-free access via policy loans.

    advancedView Strategy
    Retirement$500K+

    Defined Benefit Pension Plan

    Self-employed with high income? Contribute $200K+/year to your own pension.

    advancedView Strategy
    Retirement$50K - $100K

    Inherited IRA Planning

    Maximize inherited retirement account value by understanding distribution options based on beneficiary relationship to the deceased.

    intermediateView Strategy

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