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Stop Overpaying Capital Gains Tax
Most business owners donate their biggest check to the IRS—without even realizing it.
Capital gains isn’t like income tax.
You don’t get another shot next year.
You don’t get to “restructure” after the sale.
And once the ink is dry—what you’ve lost is gone forever.
Capital gains is binary:
You planned… or you paid.
Let’s be clear: This isn’t tax advice. It’s not investment advice. This is education—the kind that most business owners never get until it’s too late.
A Real Couple. A Real Sale. A $558,000 Fork in the Road.
A couple in California was preparing to sell their home:
- Sale price: $3.7M
- Basis: $765K
- Mortgage: $1.4M
- Filing status: Married, jointly
- Qualified for: $500K exemption
Yes—this was real estate.
But make no mistake: this is about selling any appreciated asset—your business, your stocks, your crypto, your rental portfolio.
Here’s what they were initially facing:
- Taxable income: $200,000
- Capital gains tax (if they did nothing): $895,000
- Net take-home: $2.86M
They almost pulled the trigger.
But they paused.
And that pause changed everything.
With a proper strategy in place before the sale:
- Capital gains tax dropped to: $336,000
- Net take-home increased to: $3.42M
That’s $558,000 kept—not by negotiating a better price, but by redesigning the strategy.
The Bigger Win? Control. Not Just a Lower Tax Bill.
Here’s the real play:
They didn’t just “save on capital gains tax.”
They redirected the dollars into assets that now generate income, options, and generational impact.
That’s the part most miss.
Here’s how it happened:
1. Qualified Opportunity Zone Fund
They deferred capital gains, gained access to 10 years of tax-free growth, and opened the door to permanent exclusion of gains from the new investment.
Opportunity Zones aren’t going away—they’re likely to be extended well into the 2030s. This tool alone is a sleeping giant for tax-savvy investors.
2. Drilling Fund
This created active losses in year one.
Those losses reduced their adjusted gross income and compressed their overall tax bill.
Used together, these strategies didn’t just lower the tax number.
They created a foundation for long-term wealth production.
According to the projections?
That single decision is expected to produce $5.7M in income over the next 15 years.
That’s money that was headed to the IRS…
Now working for their future, their freedom, and their family.
This Isn’t About Luck. It’s About Alignment.
You can’t Google your way into this.
And your CPA isn’t going to volunteer it either.
Why?
Because:
- Most CPAs file returns. They don’t design outcomes.
- Most financial advisors sell products. They don’t build strategies.
This couple didn’t get lucky.
They got aligned.
They assembled a team that knew how to reverse engineer the result they actually wanted.
This is the difference between filing taxes…
And engineering your wealth.
Why This Should Worry You (Even If You’re Not Selling Yet)
This isn’t about selling a house.
It’s about knowing that every appreciated asset—from your business to your Bitcoin—comes with a hidden landmine:
Capital gains tax.
If no one on your team is talking about it until the deal is signed, that’s not just an oversight.
That’s a symptom.
A sign your current team wasn’t built to take you where you want to go.
We are.
A Final Word—For the Smart, Quietly Skeptical Business Owner
Let’s be honest.
You’ve built something real.
You’ve sacrificed.
You’ve created income, jobs, and opportunity.
But if you’re not turning that income into transferable, lasting wealth—
Then the game isn’t won.
It’s just delayed.
So here’s the challenge:
Before your next big sale…
Before your next exit or windfall…
Ask better questions.
Get aligned with a team that sees what you’re building—
And helps you keep what you’ve earned.ou where you’re going.
We are.