The Eiduk Wealth System™

P1 Reasonable Compensation Analysis — For S-Corp owners, optimizing your W-2 salary affects cash flow planning. The right balance between salary and distributions ensures you have liquidity while minimizing SE tax.

P3 Solo 401(k) — S-Corp owners can establish their own plan and contribute as both employee and employer, potentially sheltering $70,000+ annually. No employer match needed—you ARE the employer.

P2 Timing Strategies — Strategic timing of income recognition and expense acceleration can free up cash flow for debt payoff. Deferring income or accelerating deductible expenses creates liquidity to eliminate high-interest debt faster.

P3 HSA Triple Tax Advantage — Pay current medical expenses out of pocket, save receipts, let HSA grow tax-free for decades. Withdraw tax-free anytime by submitting old receipts.

P3 Backdoor Roth IRA — High earners blocked from direct Roth contributions use non-deductible Traditional IRA → Roth conversion to bypass income limits.

P3 Mega Backdoor Roth — After-tax 401(k) contributions converted to Roth. Can add $40,000+ beyond standard limits.

P4 PTET Election — Pass-through entity tax elections help recapture state tax deductions lost to SALT cap, reducing federal tax on investment income.

P2 Timing Strategies — Strategic timing of capital gains realization in taxable accounts. Harvest losses to offset gains; defer large gains to lower-income years.

P5 Real Estate Professional Status — 750+ hours unlocks unlimited passive loss deductions against ordinary income.

P5 Cost Segregation Study — Accelerate depreciation to generate massive paper losses in year one.

P5 1031 Exchange — Defer capital gains indefinitely by exchanging into like-kind property.

P6 Oil & Gas Investments — IDCs often 70-80% deductible in year one against ordinary income.

P9 Premium Alternative Investments — Aircraft depreciation, renewable energy tax equity, leveraged technology purchases, and family office structures for sophisticated investors.

P7 Exit & Wealth Transfer Planning — At this stage, focus shifts from accumulation to preservation. Strategies like QSBS exclusion, installment sales, and family LP structures become relevant for business exits and generational wealth transfer.

P8 Charitable & Philanthropic — Donor Advised Funds, private foundations, and charitable remainder trusts let you give strategically while maximizing tax benefits and creating lasting legacy.

P3 Cash Balance Plan — If no quality investment exists, shelter $100K-$400K+ annually in a defined benefit plan. Tax deduction now, tax-deferred growth for decades.