Selling a business, rental, or appreciated property in Orange County means facing federal capital gains plus California's ordinary-income rate — up to 13.3%. Here's how a local specialist helps you spread and defer it.
Orange County real estate and businesses have appreciated enormously — which is great until you sell and see the tax. Between federal capital gains (up to 20%), the 3.8% NIIT, and California taxing the entire gain as ordinary income (up to 13.3%), a single-year sale can take roughly a third of your gain. Here's how to keep more of it.
High property values and decades of appreciation mean large gains — and California gives capital gains no preferential rate. Whether you're selling a rental in Irvine, a building in Newport Beach, a business in Anaheim, or a long-held home that's now an investment property, the one-year tax stack is the same problem: too much income recognized at once.
Under IRC §453, you can receive your sale proceeds — and recognize the gain — over a schedule of future years instead of all at once. Spreading the gain keeps more of it in lower brackets, can reduce the 3.8% surtax, and provides guaranteed income backed by an A-rated carrier. It works whether you're exiting real estate, selling a business, or unwinding an appreciated position — and unlike a 1031 exchange, you don't have to buy a replacement property.
An Orange County sale is often the biggest financial event of your life. Don't let a one-year tax bill take a third of it. Run your numbers and plan the structure before you list or sign.
Federal capital gains up to 20%, plus the 3.8% NIIT, plus California tax up to 13.3% (California taxes the gain as ordinary income). On a large gain the combined bite can approach a third — which is why deferral planning matters.
Yes. A §453 structured installment sale lets you spread the proceeds and the gain over multiple years, keeping more in lower brackets — without needing to buy a replacement property like a 1031 requires.
Yes — based in Huntington Beach and working with sellers and their CPAs throughout Orange County and Southern California, including Irvine, Newport Beach, Anaheim, and surrounding areas.
It depends. A 1031 works if you want to keep owning real estate and can meet the deadlines. A structured installment sale is better if you want to exit real estate, are selling a business or stock, or can't find a replacement property.
Use the free capital gains tax calculator to estimate your number, or call 213-414-2808 to run your specific situation before you sign anything.
Before you sign anything, run your numbers with someone who structures the deal to be tax-smart and audit-ready from day one.
Call 213-414-2808 Run the Numbers →