Tell us about yourself so we can match you with the right tax reduction, protection, and retirement strategies.
Step 2 — Income profile
How do you primarily earn your income?
Your income type determines which tax strategies and vehicles are available to you.
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W-2 employee (salaried or hourly)
Employed by a company — taxes withheld from your paycheck
✓
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Business owner / self-employed
LLC, S-Corp, C-Corp, sole proprietor — you control your entity structure
✓
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1099 / gig worker / independent contractor
Variable income — platform earnings, freelance, or contract-based work
✓
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Real estate investor
Rental income, flips, or commercial property — passive or active
✓
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Multiple income streams
Combination of W-2, business, investments, real estate, or retirement income
✓
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Retired / pre-retirement
Living on or planning for Social Security, pensions, 401k/IRA distributions
✓
Step 3 — Income & tax burden
What's your current tax situation?
This helps us identify how much you can save and which strategies apply to your bracket.
⚡ 2026 One Big Beautiful Bill Act
The 2026 tax landscape has shifted. New brackets, a raised $15M estate tax exclusion, expanded deductions, and changes to SALT caps create fresh opportunities — for those with the right strategy in place now.
Step 4 — Retirement readiness
Where are you on the retirement journey?
Retirement accounts are among the most powerful tax reduction tools available — let's see where you stand.
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Just getting started — little to no savings yet
We'll build a foundation using tax-advantaged vehicles
✓
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Building — have some savings, want to grow faster
Maximize contributions and optimize your current strategy
✓
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Behind — need to catch up significantly
Accelerated strategies including catch-up contributions and tax-free vehicles
✓
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On track — looking to optimize and protect
Advanced strategies to reduce RMD exposure and legacy tax impact
✓
Existing retirement accounts (select all that apply)
Select all that you currently have
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401(k) / 403(b)
Employer-sponsored plan
✓
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Traditional IRA
Pre-tax contributions
✓
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Roth IRA
Tax-free growth & withdrawals
✓
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SEP-IRA / SIMPLE IRA
Self-employed retirement plan
✓
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Defined benefit / pension
Employer-funded guaranteed income
✓
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None currently
Starting fresh
✓
Step 5 — Insurance strategies
Are you using insurance as a tax & wealth tool?
Life insurance goes far beyond protection — it's one of the most powerful tax-advantaged wealth vehicles available under current law.
💡 Did you know?
Indexed Universal Life (IUL) and Whole Life policies can grow tax-deferred, provide tax-free income in retirement, and pass wealth to heirs completely income-tax-free — all while offering living benefits. The 2026 tax environment makes these strategies more valuable than ever.
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No coverage at all
Starting from scratch — foundational protection needed
✓
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Term life only
Temporary coverage — no cash value accumulation
✓
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Whole life or universal life
Permanent coverage with cash value — may need optimization
✓
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IUL (Indexed Universal Life)
Market-linked growth with downside protection — already leveraging this
✓
Insurance strategies you want to explore
Select all that interest you
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Tax-free retirement income via IUL or Whole Life
Grow and access cash value income-tax-free in retirement
✓
👨👩👧
Estate planning & legacy transfer
Pass wealth to heirs without estate or income tax using life insurance
✓
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Living benefits / chronic illness riders
Access death benefit while living if diagnosed with critical illness
✓
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Business-owned life insurance (BOLI / key man)
Fund buy-sell agreements, protect against loss of key executives
✓
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Infinite banking / policy loans
Use your own policy as a bank — borrow against cash value tax-free
✓
Step 6 — Tax reduction goals
Which tax strategies are most important to you?
Select all that apply. These guide us toward the specific methods, structures, and vehicles your advisor will prioritize.
Select all that apply to your situation or goals
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Reduce my current year tax liability
Maximize deductions, credits, and deferrals available right now
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Business entity optimization
S-Corp election, QBI deduction, Augusta rule, home office, and cost segregation
✓
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Real estate tax strategies
Depreciation, cost segregation, 1031 exchanges, STR deductions, opportunity zones
✓
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Roth conversion & tax-free growth
Convert pre-tax accounts strategically to minimize future RMD tax exposure
✓
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Charitable giving strategies
DAFs, charitable remainder trusts, and QCDs to reduce taxable income
✓
👨👩👧
Estate & generational wealth planning
Trusts, gifting strategies, step-up in basis, and the 2026 $15M exclusion
✓
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Health savings & benefit optimization
HSA maximization, CHAMP Section 125 plans, HRAs, and cafeteria plans
✓
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Tax credits & incentive recovery
ERC, FICA tip credit, R&D credits, energy credits, and opportunity zone investments
✓
Step 7 — Assets & protection
Tell us about your assets and what you need to protect
Asset protection is tax strategy — knowing what you have helps us identify the right structures and coverage.
Step 8 — Timeline & goals
When do you want to retire, and what are your biggest concerns?
The final pieces — this lets your advisor come to the strategy call fully prepared for you.
Biggest financial concerns (select all that apply)
What keeps you up at night?
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Paying too much in taxes
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Running out of money in retirement
✓
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Market volatility wiping out savings
✓
👨👩👧
Leaving nothing for my family
✓
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Healthcare costs in retirement
✓
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Estate / inheritance tax exposure
✓
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Your strategy profile is ready
Based on your answers — here's your personalized tax strategy roadmap
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Est. opportunity
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Primary focus
Now
Action urgency
⭐ Your primary recommendation
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Tax Strategy
Personalized for your profile
Additional strategies to explore
⚡ 2026 Tax Opportunity Window
The One Big Beautiful Bill Act has created a limited-window opportunity. Raised estate exemptions, new deduction structures, and tax bracket adjustments mean the best time to lock in your strategy is right now — before the landscape shifts again.
Your strategy call awaits
A Xion Capital tax strategy advisor will review your full profile before your call — arriving prepared with specific, actionable recommendations for your situation. No obligation. No cookie-cutter advice.