Real clients. Real savings.

Employer plan allowed after-tax contributions with in-plan Roth conversion. Added $46K/year of Roth space on top of the standard $23K 401(k) limit.

Default 22% supplemental withholding was under-withholding for the 35% marginal bracket. Adjusted W-4 to prevent underpayment penalty and timing mismatch.

Client had $12K of unrealized losses in tech positions. Harvested losses, purchased similar replacements to avoid wash sale rules, reduced taxable capital gains.

Client gives $10K/year to charity but takes the standard deduction. Bunched 3 years into a DAF in one year, saving on SALT-capped itemization.

Client was contributing $2K/year to HSA with an HDHP but not maxing the $8,550 family limit. Triple tax advantage unlocked.

Average guest stay was 4.2 days. Client self-managed, logging 240 hours per year. Under Treas. Reg. 1.469-1T(e)(3)(ii)(A), short-term rentals with material participation are treated as non-passive, allowing losses to offset active W-2 income.

Engineering-based study accelerated $145K of depreciation into Year 1 via 5, 7, and 15-year asset reclassification. Combined with 40% bonus depreciation for 2025.

S-corp medical practice rented primary residence for 14 days of clinical meetings and team retreats at fair market rate. Tax-free to the homeowner.

Reasonable compensation benchmarked at $110K. Distribution portion of $130K no longer subject to 15.3% SE tax. Net savings after payroll costs.

S-corp sponsors Solo 401(k), allowing employer contribution up to 25% of W-2 salary ($27,500 on $110K salary). Deductible to the business.

Home office, cell phone, mileage, and internet reimbursed tax-free from the S-corp to the owner. Replaces lost Schedule A deductions from TCJA.