After the IRS, FTB, and your CPA take their cut, some has to stay accessible (HYSA / Treasury / CD) and the rest can be locked into a 5-year MYGA at carrier-quoted rates. See the blended yield, then see what the same money would do inside a Structured Installment Sale.
Send me the sale price and rough basis. Within one business day I'll email you the actual number and the Seller's Guide to §453. If it doesn't fit your deal, I'll tell you that plainly.
No retainer · no obligation. Hans Goldstein, a licensed insurance agent (CA Insurance License #4273294), will contact you and may discuss insurance products, including annuities.
Enter the after-tax cash you'll have post-sale, and the portion you truly need accessible.
Pull-it-today money. HYSA, T-bill, or CD: you can hit it at any time. Pays whatever the market gives (currently ~2.5 to 5% on HYSA, ~4 to 5% on Treasuries, depends on Fed rate).
Locked for the term, tax-deferred. Multi-year guaranteed annuity from a highly rated insurance company (A or better by A.M. Best or equivalent). Interest compounds untaxed during lock-up; tax due only when you withdraw at maturity. Not FDIC insured; backed only by the claims-paying ability of the issuing insurance company.
That blended rate is what your after-tax cash earns, gross. Subtract your marginal tax on the liquid portion's annual interest, and the real after-tax-on-yield drops further.
This calc starts with the after-tax leftover ($X). SIS structures the full $sale_price, before Uncle Sam touches it. Same yield × bigger principal = more dollars, every year, for the term. Run your sale through the SIS calc →
30-minute call. Bring your numbers. Hans will run your specific deal both ways (cash-with-bucket-split AND structured) and tell you honestly which fits.
A plain-English guide for sellers on how a structured installment sale defers the tax when you sell a business, practice, or property. It covers the math, the alternatives, and how to tell if your deal fits.
Leave your details and the PDF downloads right away. Within one business day Hans will email a preliminary read on which structure fits your deal. No retainer. On a funded structure, the insurer pays a one-time commission of about 4% of the amount structured to the brokerage firm that places it (Hans’s share is about 2.4%; no trail). It is built into the annuity pricing, not a separate fee.
📞 Hans Goldstein · 213-414-2808 · CA Insurance License #4273294 · Independent §453 specialist · Goldstein & Co. LLC
Hans Goldstein, a licensed insurance agent (CA Insurance License #4273294), will contact you and may discuss insurance products, including annuities.
