Retirement Income Planning
We offer financial strategies that can protect your retirement portfolio and savings from recession, will boost buying power and protect against inflation, have ZERO net cost long term, and can be guaranteed to not lose principal. The proper use of structured income producing investments and assets are their own specialty and require strict adherence and continued compliance with many different specialized tax codes.
Customized retirement planning strategies are designed to maximize income and financial security while minimizing tax liabilities. Our approach includes structured financial models, tax-deferred and tax-free investment strategies, and estate preservation plans.
STRATEGIC TAX PLANNING
RMD SOLUTIONS
TAX DEFICIENCY & IRS REPRESENTATION
Are you a doctor, IT engineer or other high earning professional? Your Qualified 401 (k) has six or seven figures or even a few million. Great! If you have a lot of money in COMPANY STOCK or RSU’s or CASH saved in your 401(k) and are CONCERNED ABOUT THE TAX on your eventual REQUIRED MINIMUM DISTRIBUTIONS for whatever reason, or if your income also exceeds IRS income brackets to be eligible for a Roth or Mega Roth, we can completely solve or mitigate this tax problem for you.
Call or email us for your complementary strategy appointment to review your personalized custom- crafted plan. We show you the math. You will see how much more money you can keep for yourself. See if your investment or money for future income is protected from loss or risk of loss is minimized. Will you now pay less tax or no tax on that money? You then decide. Call us for an appointment, speak to us in person or on zoom, ask questions. Come to one of our seminars.
We also offer installment sales strategies and capital gains tax strategies for investments and business sales, and facilitate 1031 tax-deferred commercial property exchanges without the restraints of a 1031. We offer specialized tax and financial planning for individuals and businesses, and we provide compliance assistance advice.
TAX DEFICIENCY & IRS REPRESENTATION
Our firm provides IRS representation, tax resolution and mediation services, helping clients negotiate IRS Notices of Deficiency, Collection Due Process Hearings, Audits, IRS Form 5500 issues, Liens, Levies, Penalty and Interest Abatements, Innocent Spouse and Injured Spouse, and other complicated tax settlement agreements for tax debt relief. Dennis Noss is licensed by the Treasury Department to practice tax law before the IRS.
Investment Portfolio Management
Cayman Capital is an independent financial management boutique and a securities licensed registered investment and tax advisory firm. Our firm offers many different customized strategies that are designed to protect your account from market loses due to volatility and adverse events with loss of principal protections. Cayman Capital structures individual investment portfolios using diversified asset classes, structured products and stock market participation.
When the stock market takes even a temporary dive of 35% you have to make 53% back to break even. 50% is 100% break even.
Our firm in partnership with Ni Advisors also offer Private Placements, Preferred Offerings, Commercial REIT Investments, Leasehold Income, etc. EMAIL US TO REQUEST TO BE ON OUR EMAIL LIST FOR LATEST PROPOSALS & INVITATIONS.
No two clients’ goals, assets and circumstances are the same. Our many different investment strategies and different types of investments and portfolio choices, each combined with an appropriate individually matched and customized tax plan, set us apart from the well-advertised and usual selection of commonly known Brokerage Franchises.
The majority of highly marketed Investment Firms like Fisher Investments, Fidelity Investments, JP Morgan etc. all have a similar public disclaimer that proclaims: “Consult your tax professional before investing in our recommendations.” Our firm does not need to state such a public disclaimer. Dennis Noss is an IRS Enrolled Agent and licensed stock market professional. His specialized expertise is understanding the complexities of combining income producing investments with safety strategies to protect from loss, while eliminating or minimizing the tax. He does not do tax returns. Your CPA or other licensed tax professional has the competent expertise for doing tax returns.
Call or email us for your complementary strategy appointment and review your personalized custom- crafted plan. We show you the math. You will see how much more money you can keep for yourself. See if your investment or money for future income is protected from loss or risk of loss is minimized. Will you now pay less tax or no tax on that money? You then decide. Call us for an appointment, speak to us in person or on zoom, ask questions. Come to one of our seminars.
One popular portfolio offering are Buffered Stock Market Index Investments, whIch protect against market down turns while maximizing returns. See website Heading “Buffered (Index) Investing.”The Flexmethod video above is an example of just one type of another tax-efficient strategy we can offer with loss protections.
Our strategies are personally designed and customized to be “tax efficient’’ to you as an individual or as an investor, requiring stock market gains for more future money, but with the safety needed to not outlive your money, and to also enjoy a better future lifestyle during retirement. Tax Efficient investing with stocks or options of course can have positive and negative tax consequences. Tax efficient investment strategies with your assets and savings, can mitigate or can eliminate the tax on your investment income and on the capital gains.
For Asset Protected Savings Plans
These tax-advantaged strategies enhance individual supplemental income and retirement savings and investments for future income.
A customized overall financial and asset strategy is tailored to your risk tolerance, investment objectives and time horizon, and ever-evolving financial goals. We are also able to analyze multiple investment strategies tailored to your risk tolerance, time horizon, investment objectives and income needs.
We use prudent forecasts to illustrate how your income and asset portfolio balances will move overtime, and then compare what you have saved or invested, to what you have saved or invested with a recommended strategy. We show you the math.
The structured asset products we use are also used frequently by Estate Planning Lawyers and Tax Lawyers to maximize income and mitigate taxation for retirement, succession planning, and for business entity buy-sell agreements.
Business Tax Strategies
We provide tailored tax solutions for businesses, including retirement savings plans and employee retention strategies. We work directly with business owners to design planning strategies that will eliminate costs instead of taking deductions, will maximize revenue, and will mitigate or eliminate the tax for more income when it’s needed. We offer customized tax planning by recapturing taxes for individuals and business and offer compliance assistance.
Key Employee Retention Strategies
THE ADVANTAGES OF COMPANY OWNED LIFE INSURANCE (COLI) See Above Video
- The IRS recognizes company owned life insurance (COLI) under Internal Revenue Code Section 162.
- 70% of employees leave within 5 years. A Pulse survey found that 78% of today’s business leaders rate retention and recruitment as one of their top concerns.
- Replacement cost in the Tech industry is more than double that person’s annual salary.
- Company shows no debt on the Balance Sheet.
- The company determines the employee vesting period and policy terms for this benefit.
- There is no gifting required to transfer the ownership of the policy to the employee.
- There is no cost of insurance to the employer and the employer saves FICA expenses.
- The plan eliminates a company expense instead of taking a deduction thereby improving the Earnings Before Interest Taxes Depreciation Amortization (EBITDA)
- The company owns the policy as an asset until the policy transfers to the employee or can retain the policy as an asset if the employee leaves the company before becoming vested.
