Engineered Tax Advice

Engineered Tax Advice Tax incentives, strategies and advice to achieve financial freedom.

06/09/2026

Anyone in Vegas this week? Come by and say hello!

06/08/2026

The Health Savings Account is often dismissed as a 'just for medical expenses' account. That's a costly misconception.

The HSA is the only account in the tax code that gives you three layers of tax benefits:

1. Contributions reduce your taxable income today
2. Growth inside the account is completely tax-free
3. Withdrawals for qualified medical expenses are tax-free

After age 65, you can withdraw for ANY reason, you'll just pay regular income tax, just like a traditional IRA. That makes it a powerful secondary retirement account.

And here's the 2026 update: thanks to the One Big Beautiful Bill, bronze and catastrophic health plans now qualify as HSA-compatible, which means more people can open and contribute to an HSA than ever before.

For high-income earners who max their 401(k) and IRA, the HSA is one of the best remaining tax shelters available.

Are you treating yours like an investment account or just a medical card?

401(k) is not the ceiling. For business owners and self-employed professionals, there are retirement vehicles that can s...
06/07/2026

401(k) is not the ceiling. For business owners and self-employed professionals, there are retirement vehicles that can shelter FAR more income from taxes.

While W-2 employees are limited to $23,500 in 401(k) contributions (2026), a self-employed individual with the right plan structure can shelter $70,000, $150,000, even $300,000+ per year.

That's not a typo. A Defined Benefit or Cash Balance Plan combined with a 401(k) can create a legal, IRS-compliant deduction larger than many people's entire income.

The key is knowing which plan fits your income level, business structure, and timeline:

→ Solo 401(k): Best for high-earning solos under 50
→ SEP-IRA: Easiest to set up, best for maximum simplicity
→ Defined Benefit: Best for 50+ high earners with stable high income
→ Cash Balance: Best paired with a 401(k) for combined maximum sheltering

If you're paying six figures in taxes and haven't explored these options, this conversation is overdue.

06/06/2026

Who has had the pleasure of speaking with Taylor? She’s wonderful and a great part of our ETS Team!

06/05/2026

Your property tax bill is not final. Most investors don't know they have the right to fight it and win.

Municipal assessors work at enormous scale. They use mass appraisal models that can't account for the unique factors of your specific property: drainage issues, easements, functional obsolescence, or the fact that the zoning density assumes buildable land that is physically constrained.

If your assessed value is higher than market value or based on assumptions that don't match your property's actual condition you can appeal.

The process varies by state, but generally:

1. Review your assessment notice carefully
2. Compare to recent comparable sales
3. Commission an independent appraisal if warranted
4. File an appeal before the deadline (most have annual windows)

The cost of an appeal is often recovered in the first year of a successful outcome. And the savings compound every year after.

06/04/2026

Stuck in the highest tax bracket on a W-2? Taking a pay cut isn't the answer. 🛑📉

When you're a high-earning W-2 worker, lowering your tax bill takes strategy. Instead of just writing bigger checks to charity (which have phase-outs), you need to look at how your income is structured.

Can you defer bonuses? Can you utilize a non-qualified deferred comp plan? It’s all about changing how the buckets of money are taxed.

📲 Want to keep more of what you earn? DM us "STRATEGY" to see how we can optimize your tax plan.

06/04/2026

Before you talk about real estate investment strategies, make sure you're not overlooking the biggest tax break hiding in plain sight.

The Section 121 home sale exclusion is one of the most underutilized wealth-building tools in the tax code. Here's how it works:
if you've lived in your primary residence for at least 2 of the last 5 years, you can exclude up to $250,000 in capital gains from federal taxes or $500,000 if you're married filing jointly.

That's not a deduction. That's gains you simply don't pay taxes on at all.

Smart investors pair this with a live-in flip or house hacking strategy:

→ Purchase a property that needs work
→ Live there while improving it
→ Sell after 2 years
→ Capture gains tax-free
→ Rinse, repeat

The key is planning the exit before you ever sign the purchase contract. Tax strategy doesn't start at closing, it starts at the offer.

Mid-year is the best time to make tax moves. Not April. Not December. NOW.Here's why: the tax strategies that save the m...
06/03/2026

Mid-year is the best time to make tax moves. Not April. Not December. NOW.

Here's why: the tax strategies that save the most money require TIME to implement. Cost segregation studies take weeks to complete. Opportunity Zone investments have 180-day windows. PTET elections have state-specific deadlines that vary widely.

The investors who win aren't the ones scrambling in Q4. They're the ones who planned in Q2.

If you had a major income event in 2024 or 2025; a business sale, property sale, or large capital gain; the clock is already ticking on some of these strategies. Don't let it run out.

Reach out to a qualified tax advisor now (not in November) to map out your year-end playbook. The strategies exist. The question is whether you act on them in time.

06/02/2026

Running a startup is hard. Managing your tech stack shouldn’t be. 🏢💻

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