Employer-sponsored retirement plans that let employees save for retirement on a pre-tax or Roth basis, often with employer matching or profit-sharing contributions.

Small businesses can receive a tax credit to help cover the cost of starting and administering a new 401(k) plan, including employee education, for the first few years.

Certain small employers may qualify for a tax credit on a portion of employer contributions made for lower-paid employees during the early years of a new retirement plan.

Employers adding automatic enrollment to a retirement plan may be eligible for a tax credit to help offset implementation costs.

Employers can make discretionary contributions to employees’ retirement accounts, and if timed correctly, may still deduct them for the prior tax year.

Allows company stock in a 401(k) to be distributed in-kind after a qualifying event so only the original cost basis is taxed as ordinary income, with growth taxed at long-term capital gains rates when sold.

A 401(k) designed for self-employed individuals or business owners with no employees (other than a spouse), offering high contribution limits and flexible plan design.

A type of defined benefit plan that allows business owners and professionals to make very large, tax-deductible retirement contributions beyond standard 401(k) and profit-sharing limits.

Tax-deferred retirement accounts that accept contributions or rollovers, helping individuals and small business owners build retirement savings with potential current-year tax deductions.

A tax-advantaged account allowing pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.

Specialized investments for accredited investors that may offer significant first-year tax deductions while targeting long-term income or growth.

Charitable accounts where you make a deductible contribution now, invest funds for potential growth, and recommend grants to charities over time.

Allows IRA owners age 70½+ to send money directly from an IRA to a charity so it doesn’t count as taxable income and can satisfy required minimum distributions.

Trusts that provide income to you or your beneficiaries for a period of time, with remaining assets going to charity—often offering an upfront tax deduction and capital gains deferral.

Plans for highly compensated employees that allow deferral of salary or bonuses to future years, reducing current taxable income while assets grow tax-deferred.

Allows contingency-fee attorneys to receive fees as scheduled payments over time, spreading taxation and smoothing long-term income.

Let investors roll eligible capital gains into Opportunity Zone funds to defer taxes on the original gain and potentially eliminate taxes on future appreciation.

Allows real estate investors to sell investment or business property and reinvest in similar property, deferring capital gains and depreciation recapture taxes if strict rules are followed.

Pooled real estate structures offering fractional ownership in institutional-grade properties that can qualify as replacement property for 1031 exchanges.

Allows exchange of one life insurance, endowment, or annuity contract for another without triggering immediate taxes, preserving cost basis.

Tax-advantaged accounts for education savings where growth and qualified withdrawals are tax-free, and some states offer tax benefits for contributions.

An after-tax retirement account where qualified withdrawals of contributions and earnings are tax-free.

An employer-sponsored Roth account combining higher contribution limits with tax-free withdrawal benefits.

A method for high earners to contribute to a Roth IRA by making a non-deductible IRA contribution and converting it to Roth, with tax owed only on pre-tax amounts.

Moves money from pre-tax IRAs or 401(k)s into a Roth, creating taxable income now in exchange for future tax-free growth.

Builds a customized portfolio of individual stocks to track an index while enabling tax-loss harvesting and greater personalization.

Bonds issued by state and local governments that typically pay interest exempt from federal—and sometimes state—income tax.

Allows borrowing against an investment portfolio without selling investments, providing liquidity while potentially avoiding immediate capital gains.

An insurance product funded with after-tax dollars where earnings grow tax-deferred and are taxed as ordinary income upon withdrawal.

Companies that own or finance real estate and distribute most of their income as dividends, offering real estate exposure and tax-advantaged distributions.