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Whether you’re near retirement,
retiring or a Seller pursuing other business opportunities,
you can
benefit from a Structured Sale.
The only CASH sale that utilizes the Installment method of
accounting to defer the recognition of a gain and related
taxes for one or more years, conserves capital, and
guarantees the scheduled installment payments, doing so
without any out-of-pocket costs, expenses, management fees
or reinvestment risk.
THE STRUCTURED SALE USES
PRE-TAX DOLLARS
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Convert the sale of a business into
tax-deferred income
that’s unaffected by stock market fluctuations. Management
free, safe and predictable.
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Funds that would have gone to taxes are conserved and
redirected into the Structured Sale annuity. These pre-tax
dollars are put to work, generating more income for the
Seller, BEFORE TAXES are paid.
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Hassle free and easy to use – a few short form documents
that dovetail with escrow!
UNLIKE OTHER PROGRAMS
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There are no out-of-pocket or on-going costs, fees or
expenses.
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Installment payments are guaranteed and are not based upon
assumed rates of return, nor are they affected by the stock
market.
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Seller decides how much cash to keep and designs their
installment schedule.
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A single lump sum payment or multiple streams of payments
are allowed - vary the amount, timing and duration of
payments; satisfy multiple future needs.
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Installment payments are guaranteed by a well- known,
highly rated, life insurance company.
The Structured Sale is available in
all fifty states and should be considered by any Seller who
desires tax-deferral. Even Sellers domiciled in no tax
states should consider the many advantages of this unique
installment sale program. For more information go to
“Review the
Program”
AVOID REINVESTMENT RISK
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Defer taxes and income payments for a month or a year- up to
20 years!
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No Taxes are paid during the deferral period of the
installment payments.
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Taxes are paid only on the installment payments, as and when
received by the Seller, in the Seller’s tax year.
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For the all cash, including borrowed funds, or large down
payment sale, or for any portion of the sale.
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Defer a portion of today’s sale to fund tomorrow’s
retirement!
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Perfect for retiring Sellers; management free income not
affected by the stock market.
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Ideal for the Seller remaining under an employment
contract. Defer taxes and income until the contract ends.
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Great for partnership or stockholder buyouts; use
discounted dollars
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Starting a new business? Use pre-tax dollars to fund the
new business. Offset income with anticipated business
expenses.
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Fund or supplement a retirement program
Sooner or later, taxes have to be paid
but
When and How is
Now up to the Seller!
Just about any Seller can take advantage of The Structured
Sale. Designed with the retired or retiring Seller in mind,
the younger Seller can also take advantage of this unique
program.
Sellers of all ages can now decide when and how income is to
be received and taxes paid. Sellers can defer any portion of
a sale; to fund future business projects, supplement a
retirement program, or possibly future health care costs.
$100,000 Minimum with No Set Maximum!
STRUCTURED SALE EXAMPLES
Example 1: THE RETIRING SELLER
USING $500,000
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Seller age 65 decides
to receive the following schedule of installment
payments in addition to taking $100,000 cash at the
time of closing:
$48,217 paid annually
for 15 years certain, first payment deferred 1 year
from funding.
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Guaranteed Annuity Payout: $723,255
+$223,255
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Depending upon the individual’s tax situation and payout
selected, the annuity gain may offset a large portion, and
in some cases, all of the taxes paid; putting
more net
after-tax dollars in the seller’s pocket, guaranteed.
Example 2: SELLER STAYS ON-EMPLOYMENT CONTRACT
USING $500,000
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Seller, approximate age 58, agrees to
stay on with an employment contract for 3 years. Income
is timed to begin at the end of three years, when the
Seller is no longer employed.
$54,465 paid annually for 15 years
certain, first payment deferred 3 years from funding.
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Guaranteed Annuity Payout: $816,975
+316,975
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No tax is paid during the deferral period. Taxes are paid
only on the installment income, as and when received by the
seller, in the seller’s tax year.
Example 3:
SELLER LOOKING TO THE FUTURE
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Seller, age 53, sells the business
for $3,500,000. Starting another business, the Seller
keeps $2,500,000, while deferring the $1,000,000 balance
to supplement a retirement fund.
$148,617 paid annually for 20 years
certain, first payment deferred 10 years from funding.
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Guaranteed Annuity Payout: $2,972,340
+$1,972,340
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Annuity values are subject to change without notice and
cannot be guaranteed until the actual time of sale. The
above is intended to be informative only and cannot be
construed as or relied upon as tax or legal advice. 06/2008 |
