Tax Sheltering
Tax Sheltering
Legally Reduce Taxes. Protect Income. Preserve Wealth.
At Pillar Consulting, Inc., we help individuals and business owners harness the power of IRS-compliant tax sheltering strategies to minimize taxable income, defer tax liabilities, and protect long-term assets — all within the framework of federal and state law.
Our tax sheltering services are built on a foundation of compliance, integrity, and intelligent planning. Whether you’re a high-income earner, a real estate investor, or a business owner seeking greater tax efficiency, we deliver solutions that keep more of your earnings working for you.
What Is Tax Sheltering?
Tax sheltering is the legal practice of using strategic financial tools, structures, and timing methods to reduce taxable income, defer taxation, or shield assets from excessive tax exposure. Unlike illegal tax evasion, our tax sheltering methods are fully compliant, transparent, and carefully documented to withstand IRS scrutiny.
Used correctly, tax shelters can:
- Defer income into future lower-tax years
- Reduce taxable gains from investments or asset sales
- Shift income across entities or jurisdictions
- Create legal offsets using depreciation, credits, and retirement contributions
- Protect wealth inside compliant structures like trusts or insurance-based strategies
Our Tax Sheltering Strategies Include:
- Retirement Plan Optimization
Maximize tax-deferred savings through 401(k), SEP, SIMPLE, solo plans, and defined benefit plans for business owners. - Real Estate Depreciation & Cost Segregation
Use advanced depreciation schedules to shelter income from rental or investment properties. - 1031 Exchange & Installment Sale Planning
Defer capital gains on real estate and business sales using qualified reinvestment strategies. - Captive Insurance Company Structuring
Set up properly managed insurance entities to reduce risk and capture premiums in a tax-advantaged way (for qualifying businesses). - Charitable Trusts & Donor-Advised Funds (DAFs)
Use structured giving to reduce income today while supporting future philanthropic goals. - Income Splitting & Entity Layering
Allocate income across multiple legal entities, family members, or structures to lower overall tax liability. - Cash Value Life Insurance Strategies
Leverage permanent insurance policies for tax-deferred growth, wealth transfer, or executive compensation. - Private Foundations & Legacy Planning
Shelter assets through charitable entities while maintaining control over giving direction and tax deductions.
Who Benefits from Tax Sheltering?
- High-income individuals and families
- Real estate developers and rental property owners
- Business owners with consistent cash flow and tax exposure
- Professionals anticipating a liquidity event or business sale
- Multi-entity operators with flexible income structuring needs
- Families looking to transfer wealth tax-efficiently across generations
If you're consistently paying six figures or more in annual taxes — you're likely a candidate for smarter, legal tax sheltering.
Why Pillar?
At Pillar Consulting, Inc., we’ve spent over three decades helping clients build tax-efficient wealth strategies through legally sound structures. We combine deep knowledge of tax code, entity formation, real estate, and legacy planning to create custom tax sheltering frameworks that align with your risk profile, goals, and values.
Our approach is conservative, documented, and proactive — ensuring you achieve the savings you deserve without crossing compliance boundaries.
Conclusion:
Tax Sheltering Isn’t About Hiding — It’s About Strategizing.
Done legally and intelligently, tax sheltering allows you to use the law to your advantage — reducing exposure, enhancing control, and preserving your wealth. At Pillar Consulting, Inc., we turn complex tax sheltering strategies into clear, actionable plans tailored to your unique life and business.
Let’s design a tax sheltering strategy that works for you — and protects what you’ve built with wisdom and purpose.
