Eight purpose-built 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 of progressive depth, same math engine, more variables exposed as you go.
Two inputs (sale + income). Instant ballpark with range. For first-time visitors who want a "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. Perfect for the prospect 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 and I'll email you the actual number within one business day — plus the Seller's Guide to §453. If it doesn't fit your deal, I'll tell you that plainly.
No retainer · no obligation · the carrier compensates the broker, not you.
Specialized tools for specific situations. Each one is purpose-built, different math, different copy, different sales angle.
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. OneAmerica Asset Care. 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 — including §1245/goodwill recapture, taxed in full in the year of sale.
OpenHow big is the tax bomb? 2025 brackets, 3.8% NIIT, depreciation recapture and state tax — the 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 the part nobody mentions: 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 — but 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 friction-free 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 DST 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 figure out which calc fits your situation and walk you through your real numbers, no pitch, just math.
📞 213-340-2018, Talk to Hans
A plain-English guide for sellers: how a structured installment sale defers the tax when you sell a business, practice, or property — the math, the alternatives, and how to know if your deal fits.
Drop your info — instant PDF download + within 1 business day Hans will email a preliminary read on which structure fits your deal. No retainer. Carrier compensates the broker — not you.
📞 Hans Goldstein · 213-340-2018 · CA Insurance License #4322192 · Independent §453 specialist · Goldstein & Co. LLC
Hans Goldstein · Goldstein & Co.
Want more information on this? Put your name below and I’ll send it over — plain English, no cost. If your situation has a wrinkle, reply to the email and tell me what it is; I read them.
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