Selling for $1 million or more? Know your real after-tax number before you sign.
Seller financing and tax deferral consulting. One independent analysis of every deferral path open to your sale, side by side, with a written comparison and a recommendation.
One sale. One year. Stacked.
Top rates that can hit a California seller in the sale year
A lifetime of gain, taxed in one year.
Sell for cash and the whole gain usually lands in a single tax year, stacking federal, state, net investment income tax and recapture on top of each other. The price on the letter of intent says nothing about what you keep.
One year, or spread over several?
A quick look at how a Section 453 installment sale changes the tax on the same gain. Every number comes from the same tax engine used in the full analysis.
Gain in this example: $0. Federal and state income tax, net investment income tax and AMT from the engine, 2026 law, later years at the engine's projected brackets. Simplified: equal principal each year, unrecaptured Section 1250 gain taken first, no interest income, no time value of money, no Section 453A interest charge, no Social Security or Medicare effects, no selling costs. The full analysis models all of these. Education only, not tax advice.
Six ways sellers keep more of a big sale.
Not every lever fits every sale. The analysis shows which ones fit yours, with your numbers, and what each one costs you.
Section 453 installment sale
Take the gain as the payments arrive instead of all in one year. Each year's slice can land in a lower bracket.
Read the analysis1031 exchange and boot
Defer the gain you reinvest in like-kind real estate. Boot is taxed, and part of it can sometimes be spread.
Read the analysisClosing date and year-end
December or January moves the gain between tax years, brackets, estimated payments and state rules.
Read the analysisLoss harvesting
Carryforwards, harvested losses and stuck passive losses can be put to work against the gain.
Read the analysisOpportunity Zones
Invest only the gain within 180 days to defer it, with a basis step-up and exclusion after ten years.
Read the analysisCharitable trusts
Income for life, a deduction now and a gift later, if charity is already part of the plan.
Read the analysisThe Big Sale Tax Analysis
Invoice after the scoping call. No checkout, no retainer, no obligation to use any strategy.
What you get
- Your baseline: the after-tax number for a cash sale, line by line
- Every deferral path that fits, side by side: installment sale, seller financing, 1031 and boot, Opportunity Zones, deferred sales trust, Delaware statutory trust, charitable trusts and more
- Year-by-year tax, including Social Security, IRMAA and state rules
- Seller-financing terms that protect you: security, note terms, escrow
- A written comparison and a recommendation your CPA and attorney can check
Three steps, before you sign.
Scoping call
Fifteen minutes on price, timeline, what you are selling and what the money is for. You hear on the call whether the analysis is worth it for your sale.
Send the numbers
Basis, depreciation, last year's return and the deal terms. A rough version is fine to start. See the list.
Comparison and recommendation
Your number for each path, year by year, plus a written recommendation, then a walk-through with you and, if you like, your CPA and attorney.
Built for big, one-time sales.
Business owners
Selling the company, an asset sale or a stock sale, with a buyer and a closing date in sight.
Business salesFarm and ranch owners
Land held for decades, a low basis, and no Section 453A interest charge on farm installment notes.
Farm and ranch salesProperty investors
Commercial and investment real estate, depreciation taken, and a 1031 question on the table.
Investment propertyBroker, CPA or attorney with a deal stuck on taxes? Refer it here.
Know your number before you sign.
The Big Sale Tax Analysis is a flat $5,000. Start with a free scoping call; you are invoiced only after it, and only if you go ahead.
Prefer email? Request the analysis by email.