Wealth Architecture Library
The entity structures, borrowing strategies, and tax vehicles that high-net-worth individuals actually use. Plain English. No jargon. Who it applies to, and how to implement it.
10 Strategies the Ultra-Wealthy Actually Use
These aren’t loopholes. They’re the tax code working exactly as designed — incentivizing business ownership, investment, and job creation.
Borrow-Don't-Sell
Own appreciating assets. Borrow against them at low interest. Never trigger capital gains.
Buy-Borrow-Die
Buy appreciating assets → Borrow against them → Die with a stepped-up basis.
Opportunity Zone Investments
Invest capital gains in designated zones — defer, reduce, and potentially eliminate the tax.
Charitable Structures (DAF & CRT)
Get a deduction now. Control the assets. Give strategically later.
Real Estate Depreciation Stacking
Generate paper losses from real estate that offset real income.
Augusta Rule (IRC §280A)
Rent your home to your business for up to 14 days per year — tax-free.
Accountable Plans
Convert personal expenses to tax-free business reimbursements — legally.
HSA Strategy
Triple tax advantage: deduction going in, tax-free growth, tax-free out for medical.
Solo 401k Mega-Backdoor Roth
Contribute up to $69,000/year to a 401k — including after-tax contributions converted to Roth.
S-Corp Election + Salary Splitting
Pay yourself a reasonable salary — take the rest as a distribution. Save 15.3% SE tax on the distribution portion.
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What IBC is and whether it’s right for you.