Model Q™ Tax Planning

Tax Planning

Strategic tax consulting for individuals and families paying $100,000+ in federal taxes.

Stop overpaying. Your CPA tells you what you owe — we build the strategy that minimizes what you'll owe next year, the year after, and for the rest of your life.

The Tax Problem No One Talks About

High earners face tax challenges that standard financial advice doesn't address

Rising Tax Rates

TCJA provisions expire after 2025, pushing rates higher. Without proactive planning, your tax bill increases automatically.

RMD Time Bombs

Large pre-tax retirement accounts force distributions starting at 73, pushing you into higher brackets and increasing Medicare premiums.

Phantom Income

Social Security taxation, IRMAA surcharges, and NIIT all kick in at income thresholds most CPAs don't plan around.

Estate Exposure

Without planning, your heirs face income tax on inherited retirement accounts plus potential estate tax on the combined value.

The 4-Step Process

From first conversation to implemented strategy in as little as 30 days

Schedule

Complimentary Consultation

Book a 30-minute introductory call to discuss your tax situation, goals, and concerns. We'll determine whether the Model Q approach is the right fit for your circumstances.

Discovery

Deep-Dive Analysis

We review your last 3 years of tax returns, current income sources, investment portfolio, retirement accounts, estate structure, and projected future income to build a complete financial picture.

Strategy Call

Custom Tax Plan Presentation

In a 60–90 minute session, we present your Model Q Tax Plan with specific strategies, projected tax savings, implementation timeline, and side-by-side comparisons against your current approach.

Implementation

Execute & Optimize

With your approval, we begin executing the tax plan. This includes account repositioning, strategy activation, CPA coordination, and quarterly optimization reviews to adapt to changing circumstances.

Strategies in the Model Q® Tax Plan

Your plan may include any combination of these proven strategies, tailored to your situation

Roth conversions with strategic bracket management

537 Installment Sale Trust for capital gains deferral

1031 exchange planning and execution

Required Minimum Distribution optimization

Social Security taxation minimization

Medicare IRMAA surcharge avoidance

Charitable planning vehicles (CRT, CLT, DAF)

Estate and legacy tax planning

Business entity structuring for tax efficiency

Multi-year tax projection and bracket optimization

Available Now

Cash Out Clean: Tax Strategy for Your Big Exit

Kevin Brunner's book covers the complete Model Q® tax planning framework — from Roth conversions and 1031 exchanges to the 537 IST and multi-generational estate strategies. Whether you're planning a business sale, approaching retirement, or simply want to stop overpaying in taxes, this is your comprehensive guide.

Frequently Asked Questions

Our tax planning services are designed for individuals and families paying $100,000 or more in federal income taxes annually. This includes high-income W-2 earners, business owners, real estate investors, medical professionals, executives, and retirees managing large pre-tax retirement accounts.

CPAs are excellent at preparing tax returns — they tell you what you owe after the year is over. Our approach is proactive: we build a forward-looking tax strategy that minimizes what you'll owe before the tax year even starts. We work alongside your CPA, not in place of them.

Results vary by situation, but clients typically see significant tax reduction through strategic planning. Your custom Model Q Tax Plan will show projected savings based on your actual numbers and current tax situation.

The Model Q system integrates multiple proven strategies: Roth conversions with bracket management, the 537 Installment Sale Trust for capital gains deferral, 1031 exchanges, charitable planning vehicles, retirement account optimization, and estate tax minimization. The specific combination depends on your situation.

The initial discovery and analysis typically takes 2–3 weeks from your first consultation. Implementation begins immediately after you approve the plan, with most strategies activated within 30–60 days. Tax planning is ongoing — we review and adjust quarterly.

Our tax planning services work best for individuals with $1M+ in investable assets or $100K+ in annual federal tax liability. The complexity of our strategies requires a certain scale to generate meaningful savings. If you're not sure whether you qualify, the initial consultation is complimentary.

Stop Overpaying in Taxes

Schedule a complimentary consultation to discuss your tax situation and discover how much you could save with a proactive Model Q® Tax Plan.