Stop Overpaying Taxes on Your Business Success

Strategic tax reduction, estate planning, and exit strategies for business owners in Cumming, GA who are done writing six-figure checks to the IRS.

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WHY CHOOSE US

Our Core Services for Business Owners

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Tax Reduction Strategies

If you’re in the 30-43% tax bracket and paying $200K+ annually, there are strategies you’re missing. We design cash balance plans, optimize entity structures, and coordinate with your CPA to legally reduce what you owe, often by six figures.
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Estate Tax Elimination

Estate tax bonus exemptions are at their highest ever levels. If you’re near the $30m exemption limit, you can work with us now to freeze it in place. If you’re over it, ask about our Squeeze & Freeze technique!

Protect Your Legacy

Business Exit Planning

Planning 3-5 years before selling gives you maximum options: freeze estate values, position for QSBS tax benefits, and increase business value. Waiting until 6 months out means limited strategies and higher tax bills.

Plan Your Exit

Does This Sound Familiar?

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You're paying $200K-$500K+ in annual taxes and your CPA tells you to buy a car

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You maxed out your 401(k) at $23,000, unaware you could defer $300K-$700K annually

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Your net worth crossed $10M and your estate plan hasn't been updated in years

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You're 3-5 years from selling and don't know how to minimize taxes on the exit

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Your financial advisor, CPA, and attorney have never spoken to each other

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You're succeeding financially but don't have time to coordinate the moving pieces

If two or more apply, you’re in the right place.

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Why Business Owners Choose Cinder Wealth

Coordination First

We bring your CPA and attorney into planning from day one—ensuring your tax strategy, legal documents, and wealth plan work together instead of creating gaps.

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Tax Expertise

Specializing in income tax reduction (35-43% brackets), estate tax elimination, and business exit strategies that most advisors don’t have time to architect.

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Business Owner Focus

Built for business owners who need tax reduction and exit strategies coordinated with their CPA and attorney—not generic wealth management.

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Three Ways We Help Business Owners

1. Reduce Income Taxes

Most CPAs focus on compliance—accurate returns, avoiding audits. That’s not strategy. If you’re paying 35-43% federal taxes, you’re likely overpaying.

What We Do:

  • Advanced retirement plans: Cash balance plans defer $100K-$700K annually (age-dependent)—far beyond basic 401(k) limits​

  • Entity optimization: Position S-Corps vs. C-Corps for current savings and future exit benefits

  • Income timing: Coordinate distributions, reinvestments, and loss harvesting with year-end tax planning

  • Charitable strategies: Donor-advised funds and trusts that create deductions while maintaining control

The Result: Many business owners reduce their effective tax rate 5-15 percentage points through proper planning.

2. Eliminate Estate Taxes

The federal exemption is $13.99M per person (2025)—but it sunsets in 2026, potentially dropping to $6-7M. Waiting could cost your family millions.
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What We Do:

  • Freeze future growth: Discount business values today, freeze appreciation outside your taxable estate
  • Spousal trusts (SLATs): Remove assets from your estate while maintaining family access
  • Lifetime gifting: Use current exemptions before law changes reduce your options
  • Coordination: Align trust funding with tax strategy—we don’t draft documents, but we ensure everything fits together

The Result: Families who plan early often eliminate estate taxes entirely.

3. Maximize Exit Value

The highest offer isn’t always the best after-tax outcome. And timing matters more than most realize.

The Timeline:

3-5 years out: Freeze estate values, position for QSBS benefits, clarify your “walk-away number”
1-2 years out: Still time for retirement plan optimization and entity repositioning
6 months out: Limited options—most tax strategies require longer timelines

What We Do:

  • Exit readiness: Build a financial plan that defines your actual number—stop chasing higher offers you don’t need
  • Tax-efficient structuring: QSBS for C-Corps (up to $10M tax-free per owner), installment sales, retained equity
  • Succession planning: Family transitions, key employee buyouts, ESOP structures
  • Post-sale management: Prevent lifestyle inflation, diversify proceeds, build sustainable cash flow

The Result: Business owners preserve more wealth and exit with confidence.

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Who We Work With

We don’t replace your advisors. We make them more effective through coordination.

Estate Attorneys

We coordinate with your estate attorney to ensure trust structures, buy-sell agreements, and succession documents align with your tax strategy and business goals.

CPAs & Accountants

We work alongside your CPA to design proactive tax reduction strategies—from cash balance plans to entity optimization—that go beyond annual compliance.
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Financial Advisors

If you have an existing advisor managing investments, we can collaborate on tax-efficient portfolio strategies while we focus on business exit and estate planning coordination.
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You’ve built a successful business. Now it’s time to build a tax strategy that keeps more of what you’ve earned.

Our Proven Process for Business Owners

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Learn More About Cinder CEO Matt Losanno

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Ready to Reduce Taxes and Protect What You’ve Built?

Schedule a 30-minute strategy call to review your current tax situation, estate plan, and business structure. We’ll identify opportunities, assess whether your advisors are coordinating effectively, and determine if we’re a good fit, no pressure, just clarity.

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