Seven planning strategies built into the tax code that most high earners never discuss with anyone. Updated for 2026 limits and the 2025 tax law changes.
The strategies in your guide work best when they are reviewed before the year closes. Fifteen seconds on why timing matters more than any single deduction.
Each strategy has eligibility rules and tradeoffs. The guide explains how each one works, who it may fit, and what to know before you act.
Split business profit between a reasonable salary and distributions, which can reduce employment taxes once profit is consistent.
Owner payContribute as both employee and employer. For 2026, total contributions can reach $72,000, plus catch-ups.
RetirementSpeed up depreciation on real estate. 100% bonus depreciation was permanently restored for qualifying property in 2025.
Real estateRental losses may offset W-2 or business income if you meet strict hours and participation tests.
Real estatePass-through owners may deduct up to 20% of qualified business income, now permanent under the 2025 tax law.
Business structureFor established owners with high, stable income, contributions can reach six figures a year.
RetirementRenting your home to your business for 14 days or fewer can create a deduction for the business and tax-free income for you, with documentation.
Business use of homeThe guide shows what is possible. The next step is knowing which strategies apply to you, while there is still time to act before December 31.
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Educational resource. Not tax, legal, or financial advice. Results depend on your specific facts and circumstances.