Seller financing and tax deferral consulting
The Big Sale Tax Analysis
Independent analysis of every deferral path open to your sale. 846 sourced variables, a written comparison and a recommendation. Flat $5,000.
Flat fee
$5,000per sale
- Free scoping call first
- Invoice after the scoping call, only if you go ahead
- No retainer, no hourly billing
- No obligation to use any strategy
Conflict of interest: Hans is also a licensed insurance producer with a separately owned insurance business. That business is not part of this engagement, and the analysis does not recommend insurance products. The $5,000 fee is for analysis only. You can implement anywhere or nowhere. Hans is not a CPA, attorney or registered investment adviser; the analysis models tax effects and does not recommend specific securities. Disclosures.
What you get
- Your baseline: the after-tax number for a cash sale, with federal, state, net investment income tax, AMT and recapture line by line.
- Every path, side by side: Section 453 installment sale and seller financing, 1031 and boot, 1031 plus an installment note on the boot, a cash carve-out to pay debt plus an installment sale, Opportunity Zones, deferred sales trust, Delaware statutory trust, charitable remainder trust, and any other tool that fits.
- Year by year: tax in each year, with Social Security taxation, Medicare IRMAA tiers and state rules.
- Seller-financing protection: down payment, security interest, personal guarantee, escrow and note terms that fit the buyer.
- Section 453A check: whether the interest charge on large notes applies, and whether the farm exception removes it.
- A written comparison and a recommendation with inputs, method and sources, ready for your CPA and attorney.
The 846 variables
Every input that can change what you keep.
Federal brackets and surtaxes, recapture, installment sale rules, 1031 timelines, Opportunity Zone rules, Social Security and Medicare thresholds, estate rules, and the rules of all 50 states plus DC. Each one is sourced.
What to bring
Start rough. Sharpen as you go.
About the sale
- Expected price, or a range
- Letter of intent or draft purchase agreement
- Target closing date
- Asset or stock sale, and how the price is allocated (for a business)
- Loans paid off at closing and their rates
- Buyer details if seller financing is on the table
- Whether a 1031 exchange is on the table
About you
- Original cost and improvements (your basis)
- Depreciation schedule from your return
- Last two years of tax returns
- Capital loss carryforwards and suspended passive losses
- Social Security: started, or planned age
- State of residence, and any plans to move
- Charitable and estate goals
Request the analysis
Three ways to start.
There is no checkout. You are invoiced after the scoping call, only if you decide to go ahead.
Questions
Before you book.
What does the Big Sale Tax Analysis cost?
A flat $5,000. The scoping call is free. You are invoiced only after the scoping call, and only if you decide to go ahead.
What exactly is modeled?
Your cash-sale baseline and every deferral path that fits your sale: Section 453 installment sales and seller financing, 1031 exchanges and boot, Opportunity Zones, deferred sales trusts, Delaware statutory trusts, charitable trusts, timing and loss offsets. The model checks 846 sourced variables, from federal brackets to the rules of your state.
Is this independent?
Yes. The fee pays for analysis only. You can implement anywhere, with anyone, or not at all. Hans is also a licensed insurance producer with a separately owned insurance business; that business is not part of this engagement, and the analysis does not recommend insurance products.
Does this replace my CPA or attorney?
No. Hans does not prepare returns and does not give legal advice. The written comparison is built so your CPA and attorney can check every number and make the final call.
When should I do it?
Before you sign the purchase agreement. Seller financing terms, a 1031 exchange and most other levers have to be set up before closing.
Can you analyze a deferred sales trust?
Yes. A deferred sales trust is modeled side by side with a direct installment sale and the other paths, including its fees and its open questions.
Next step
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.