Business Owners
When “reasonable comp” isn’t reasonable anymore.
The single calculation most S-corp owners never revisit — and the one that determines whether they save or overpay this year.
CACIV/Resources
Resources
Articles, analysis, and the guides.
Most of what we write is for clients. Some of it is too useful to keep there. This is where we publish the rest — free, ungated, and written in plain language about the tax decisions that actually move the bill.
Free Downloads
Three guides. Three audiences.
Each one frames the most consequential tax decisions for a specific situation. Read them. They’re not the sales pitch — they’re the table of contents.
For Business Owners
The Business Owner Tax Strategy Guide
Free download · Entity, comp, benefits, exit — for owner-operators under $1M in profit
For Pre-Retirees
The Tax Clarity Framework Guide
Free download · For pre-retirees with $500K+ in savings
For Boeing Employees
The Boeing Retirement Tax Blueprint
Free download · Pension, VIP 401k, and RSU tax decisions
Articles
Recent writing.
Updated regularly
Pre-Retirees
The Roth conversion window most people miss.
Why the 3–5 year period before retirement is the highest-leverage tax planning window of your entire financial life — and how to use it.
Exit Planning
QSBS qualification: the rule most CPAs miss.
Section 1202 can eliminate up to $10M of capital gain on a business sale — but only if the entity, holding period, and structure were set up correctly years before.
Benefits
The retirement plan you outgrew without knowing it.
Why the SEP that was right at $200K of profit is wrong at $600K — and what the next tier of plan architecture actually looks like.
Business Owners
Why your CPA isn’t doing tax planning (and isn’t supposed to).
The structural reason most owner-operators never receive the strategic work that would save them the most money — and why blaming the CPA misses the point.
Boeing
Pension lump sum vs. annuity: the irreversible decision.
For Boeing employees approaching retirement, this is the single most expensive decision to get wrong — because it can’t be undone. Here’s the framework.
Posts in progress. New articles published as topics warrant. Subscribe for updates →
In the Press
Recent media appearances.
Featured Commentary
Chad Centorbi on retirement tax planning and household financial decisions.
Independent coverage and commentary across FOX Business, ABC, CBS, Fortune, and Nasdaq on the tax-implications of major financial decisions, the structural problems with the standard financial-advice model, and proactive strategy for pre-retirees with significant savings.
Want the Full Picture?
The articles cover the what. The call covers the whether.
Whether this work is actually right for your situation isn’t something an article can answer. The 30-minute discovery call can.