Advanced tax planning is about more than just filing on time — it’s about making smart, proactive choices that reduce liability and build long-term wealth. By restructuring businesses, leveraging tax-advantaged accounts, and thinking several steps ahead, Angelo helps clients uncover opportunities to keep more of what they earn. Here are a couple of real examples:

Case 1: Restructuring for Significant Savings

A client operating as a single-member LLC was paying more in payroll taxes than necessary. We restructured the business as an S Corporation, which immediately saved tens of thousands of dollars in payroll taxes. To maximize the benefit, we also implemented a pension plan funded with pre-tax dollars — creating an additional $10,000 in savings while setting aside money for the future.

Case 2: Leveraging the Triple Tax Advantage of HSAs

In another case, we showed a client how to use a Health Savings Account (HSA) as a powerful retirement supplement. HSAs provide a triple tax benefit: deductions when you contribute, tax-free growth while invested, and tax-free withdrawals when used for qualified medical expenses. By paying expenses out of pocket and saving receipts, the client could let the HSA balance grow for decades and reimburse themselves later — potentially turning $10,000 of medical expenses into $100,000 of tax-free retirement funds. HSAs can also cover long-term care costs, making them one of the most flexible and overlooked planning tools available.

The Takeaway

Advanced tax planning isn’t about aggressive loopholes — it’s about smart, legal strategies that align your business and personal finances for maximum benefit. From entity restructuring to specialized accounts like HSAs, the right planning can save thousands today while building security for tomorrow.

Curious what advanced planning could do for you? Get a Quote Today and let’s explore strategies that fit your financial goals.