Step 1 · Your Tax & Wealth Plan
Your Tax & Estate Organizational Map
Businesses, real estate, investments, retirement accounts, and estate — on one page, with the money flows drawn in. Dashed items are proposed, not yet in place.
Step 2 · The Eiduk System
One map. Three systems. One advisor running all of it.
The Eiduk Pathway™
Pay Less
80 strategies across 9 phases, every one IRC-cited
Eiduk Cash Allocation System™
Keep More
Profit First, applied to your S-Corp
The Eiduk Wealth System™
Build Wealth
The 12-step priority ladder
SYSTEM 1 · TAX — WHERE YOU STAND TODAY
Tax Overview
Effective Rate
22.1%
federal + state, of total income
Federal Bracket
35%
next dollar of ordinary income
Filing Status
Married filing jointly
Total Federal Tax
$139,900
tax year 2025
State Tax
$29,200
Your Tax Storyhow your income flows down to your tax liabilityShowHide
ABOVE-THE-LINE ADJUSTMENTS
DEDUCTIONS
TAX & CREDITS
PAYMENTS & WITHHOLDING
Schedule D: Capital Gains & Losses
Go deeper: This overview is a snapshot from your most recent return. Advisory clients receive the full analysis — multi-year projections, strategy modeling, and ongoing planning against these numbers.
The Eiduk System · Your Roadmap
Action Items
System 3 · Wealth — The Eiduk Wealth System™
Investment Allocation
Asset allocation
- US Equity52.2%
- International Equity10.0%
- Fixed Income27.8%
- Real Assets4.4%
- Cash5.6%
Cap size weighting
- Large Cap52.2%
- International10.0%
- Bond27.8%
- Cash5.6%
- Other4.4%
Holdings8 holdings$900,000100.0%
| SCHXSchwab U.S. Large-Cap ETF | $285,000 | 31.7% |
| AGGiShares Core U.S. Aggregate Bond ETF | $165,000 | 18.3% |
| QQQInvesco QQQ Trust | $140,000 | 15.6% |
| VEAVanguard FTSE Developed Markets ETF | $90,000 | 10.0% |
| SCHOSchwab Short-Term U.S. Treasury ETF | $85,000 | 9.4% |
| CASHMoney Market Sweep | $50,000 | 5.6% |
| AAPLApple Inc | $45,000 | 5.0% |
| VNQVanguard Real Estate ETF | $40,000 | 4.4% |
Illustrative portfolio for a fictional composite — not a real account, and not investment advice or a recommendation to buy or sell any security.
SYSTEM 3 · WEALTH — INVESTMENT TAX EFFICIENCY
The Hidden Tax on Your Investments
Your taxable accounts throw off income every year whether you spend it or not — and the IRS taxes it every year. Here is what that costs at top rates:
Annual investment income
$19,361
from taxable accounts
Estimated annual tax
$6,872
every year, growth or not
Tax drag
0.76%
of taxable assets, per year
Per-holding detail8 holdings
| Holding | Income / yr | Treatment | Est. tax / yr |
|---|---|---|---|
| AGG 3.71% yield | $6,122 | Ordinary · 40.8% | $2,498 |
| SCHO 4.05% yield | $3,443 | Ordinary · 40.8% | $1,405 |
| CASH 4.35% yield | $2,175 | Ordinary · 40.8% | $887 |
| SCHX 1.02% yield | $2,907 | Qualified · 23.8% | $692 |
| VNQ 3.95% yield | $1,580 | Ordinary · 40.8% | $645 |
| VEA 2.61% yield | $2,349 | Qualified · 23.8% | $559 |
| QQQ 0.42% yield | $588 | Qualified · 23.8% | $140 |
| AAPL 0.44% yield | $198 | Qualified · 23.8% | $47 |
Illustrative estimate at top federal rates (40.8% ordinary — 37% bracket + 3.8% NIIT; 23.8% qualified — 20% LTCG + 3.8% NIIT). Equity-fund income is treated as qualified; bond, cash, and other income as ordinary. State tax and fund-level 1099 detail are applied in the full analysis inside your engagement.
The Eiduk System · Selected for Your Structure
Advanced Strategy Opportunities
This Plan surfaced 9 advanced strategies matched to this structure — each with an estimated annual or one-time savings range. The names, the modeling, and the numbers are delivered inside the engagement. They span areas like:
Advanced Tax Strategies
The Math Test
A big deduction isn't automatically a win. When a strategy buys a deduction with real money, like bonus depreciation, it first has to beat the boring alternative: simply investing the same dollars. That head-to-head is built into how we model these strategies, and if the math says the deduction loses, we'll tell you. That's the point. You can run your own numbers anytime: Try Deduction vs. Invest →
Weighing a short-term rental or another property purchase? The same discipline applies to the whole deal: rents, appreciation, and the cost segregation deductions, head-to-head against simply investing the down payment and every dollar the property consumes: Try Rental vs. Invest →
Savings indications are planning estimates that depend on specific facts, elections, and implementation; they are not projections or written tax advice. Each strategy is confirmed against the complete situation before any action is taken.
THE BRIDGE · SYSTEM 2 → SYSTEM 3
The Eiduk Wealth Waterfall™
Most owners' money makes an unplanned journey — business account, personal checking, whatever's left over. The Eiduk Wealth Waterfall™ maps the entire flow on purpose: from business revenue through your Cash Allocation buckets, into your household, and down a personal priority ladder that decides exactly which account every dollar fills next — and why. Yours is designed inside your engagement, for your entities, your brackets, and your plans.
The Eiduk Pathway™
What We Review
Entity Structure
- ✓S-Corp election & reasonable compensation
- ✓LLC protection for rentals & real estate
- ✓Holding company / COPE structures
- ✓Paying family members through the business
Retirement & Tax-Free
- ✓Solo 401k / 401k funding levels
- ✓HSA eligibility & funding
- ✓Roth strategy — backdoor & conversions
- ✓Retirement accounts for both spouses
Estate & Protection
- ✓Revocable living trust & asset titling
- ✓Wills, POAs & healthcare directives
- ✓Term life insurance coverage
- ✓Umbrella liability policy
Investments
- ✓Asset allocation & risk review
- ✓Asset location across account types
- ✓Idle cash deployment
- ✓Tax-loss harvesting opportunities
Your Tax & Wealth Plan is next
“Most CPAs file your return. This one optimizes it.”
Tax + Wealth under one roof. Your Tax & Wealth Plan brings your businesses, real estate, retirement accounts, and estate plan into one coordinated system — built by a CPA and CFP® working together, reviewed against every item on this page, and kept a step ahead as your life changes.
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