Eight tools covering structured installment sales, structured attorney fees, MYGA tranching, LTC leverage, and life-insurance comparison. Start simple. Go deep when your CPA asks.
Three calculators on the same math engine. Each one exposes more variables than the last.
Two inputs (sale + income). Instant ballpark with range. For first-time visitors who want an "is this even worth a call?" gut check.
Run the teaser →5 inputs. Big simple answer. Shows the two-scenario breakdown: tax savings alone (0% yield) + with 4% yield. Good for a first call.
Open simple calc →Every dial: §1202 QSBS · §1245/1250 recapture · IRMAA tiers · CA MHST · non-resident withholding · cap-loss carry · year-by-year schedule · IRR · break-even yield · GUL overlay.
Open pro calc →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.
Specialized tools for specific situations. Each one runs different math for a different situation.
California real estate, business, partnership sales. Every dial a CPA cares about: §1202 · §1245 · §1250 · IRMAA · §453A · city tax · capital loss carry.
OpenChilds v. Commissioner. Bracket compression on ordinary income. Don't let one big year tax you at 37% forever. Multi-state.
OpenHYSA / Treasury / CD vs MYGA. See your blended after-tax yield. Visual bucket split + CPA breakdown.
OpenHow CA's 13.3% income tax eats CD interest year-by-year vs. MYGA tax deferral. Year-by-year erosion table.
Open$100K MYGA/asset-care → 4-5× LTC pool leverage. Asset-based LTC. Self-insure comparison.
OpenGUL · S-GUL · IUL · 10-pay · Term. Cost-of-insurance hockey stick by age. When IUL is a mistake (68+).
Open5 inputs. Big simple answer. Conservative 0% yield baseline + realistic 4% yield comparison. The "is this worth a call" calc.
OpenOriginal 3-way comparison (Cash/SIS/CRT). Includes CRT modeling that Pro deliberately drops. For deals where charitable intent matters.
OpenAmortization with balloon plus the §453 tax every other one skips. That includes §1245/goodwill recapture, taxed in full in the year of sale.
Open2026 brackets, 3.8% NIIT, depreciation recapture and state tax. Your number before any strategy.
OpenFour deferral routes side by side on your own numbers, with what each one costs you in control, fees and flexibility.
OpenThe 25% §1250 tax on every dollar you ever depreciated. Most sellers never hear about it until closing.
OpenWhat a 1031 actually defers, and what it costs you: you stay a landlord until death or the next exchange.
Open§453-style deferral wrapped in a promoter's trust, with an annual fee and audit exposure no IRS ruling backs. Run the real cost.
OpenIncome plus a deduction. The remainder goes to charity, not your family. See exactly what your heirs give up.
OpenTax-free under IRC §104(a)(2): every payment, principal and growth, for the whole term.
Open2-input teaser at the top of the homepage. Instant range. The quickest first look.
OpenQuick lookup table. Click any row to jump in.
| If you're… | Use this calc | What it shows |
|---|---|---|
| Just exploring, want a 10-sec ballpark | Homepage teaser | Range estimate from 2 inputs |
| Selling appreciated CA property | Simple SIS calc | Cash vs SIS over 20 yrs |
| Your CPA wants every dial | Calculator Pro | Per-year tax decomposition + IRR + IRMAA |
| Won a big contingency case (legal) | Attorney Fees calc | Childs v. Commissioner · ordinary-income spread |
| Selling a business (asset sale) | Calculator Pro → "Business assets" | §1245 recapture · goodwill allocation |
| Selling C-corp stock (might be QSBS) | Calculator Pro → "Stock sale" | §1202 exclusion up to $10M |
| Want to keep some cash liquid | Liquid vs Locked | HYSA + MYGA bucket split visualization |
| Comparing CD vs MYGA for idle cash | CD vs MYGA | CA tax drag year-by-year |
| Thinking about LTC coverage | LTC Tax Leverage | $100K MYGA → 4-5× LTC pool |
| Need life insurance for legacy | Life Insurance Types | GUL vs IUL vs Term · cost curve by age |
| Want CRT comparison alongside SIS | Legacy Advanced | 3-way Cash · SIS · CRT |
| Carrying the note yourself (owner financing) | Seller Financing calc | Payment schedule + §453 tax + recapture ambush |
| Just want the tax number before anything else | Capital Gains Tax calc | Federal + NIIT + recapture + state |
| Weighing 1031 vs deferred sales trust vs CRT vs §453 | Exit Calculator | Four routes side by side on your numbers |
| Selling a depreciated building | Depreciation Recapture calc | 25% §1250 tax you were never told about |
| Settling an injury or wrongful-death claim | Structured Settlement calc | Tax-free payments under §104(a)(2) |
30-minute call. He'll pick the calc that fits your situation and walk you through your real numbers. No pitch, just math.
Talk to Hans: 213-414-2808
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.
