# Wealth and Capital Gains Tax Strategy

Resources on capital gains, step-up in basis, wealth-building tax strategy, and how owners convert business profit into long-term wealth.

Public content is educational only and is not individualized tax, legal, accounting, investment, or financial advice.

## Quick Answers

### Why do wealthy families focus on asset location and borrowing?
Appreciating assets, borrowing, and basis planning can affect when income is recognized. The rules are fact-specific and can change, so implementation requires legal, tax, and financial advice.

### What does profit routing have to do with taxes?
Profit routing helps owners pre-assign cash to taxes, reserves, growth, owner pay, and wealth so tax strategy does not break operating cash flow.

## Articles and Videos

- [5 Side Hustle Tax Mistakes That Trigger IRS Notices](https://www.havenstoneadvisory.com/resources/blog/side-hustle-tax-mistakes-irs-radar)
  Five side-hustle tax mistakes that trigger IRS notices—and the simple systems that keep your income clean, deductible, and defensible.
- [Buy, Borrow, Die Strategy: How Asset-Backed Borrowing and Step-Up Basis Work](https://www.havenstoneadvisory.com/resources/blog/buy-borrow-die-exposed-how-the-wealthy-never-pay-taxes)
  Buy, Borrow, Die isn't a loophole — it's how the tax code was designed. Learn the 3‑step framework wealthy families use to access cash without triggering a tax bill, and how business owners at $1M–$10M can start using it today.
- [Saving Mindset, Cash Discipline, and Wealth Building](https://www.havenstoneadvisory.com/resources/blog/is-the-asian-saving-mindset-a-financial-superpower)
  The "turn off the lights" childhood wasn't cheap. It was training. Here's why the pause before spending creates margin, how margin builds wealth, and how to keep the discipline without carrying the fear.
- [Cost Segregation: Accelerated Depreciation for Real Estate Owners](https://www.havenstoneadvisory.com/resources/blog/cost-segregation-stop-waiting-39-years-to-write-off-your-building)
  Cost segregation doesn’t create deductions - it accelerates them. Here’s when it creates real tax leverage, when it backfires, and how to evaluate it like an operator (with a calculator to model the benefit).
- [Profit Routing for Trades and Home Service Owners](https://www.havenstoneadvisory.com/resources/blog/profit-routing-framework-for-trades-and-home-service-owners)
  If you finish the month with extra profit and don’t know what to do with it, you’ll either let inflation eat it, or spend it emotionally. Here’s the 4‑bucket profit routing system (Tax, Reserves, Growth, Wealth) plus our Profit Routing Calculator + cheat sheet to set your percentages in minutes.
- [Why Business Owners Miss the Path to $1M Net Worth](https://www.havenstoneadvisory.com/resources/blog/why-youre-still-not-a-millionaire-after-3-plus-years-in-business)
  It’s rarely a work-ethic problem. It’s profit leaks, wrong advice for your stage, and reacting instead of designing. Here’s a simple system to fix profit, keep more after tax, and convert cash into real net worth.
- [Tax Incentives for Business Owners: R&D, Real Estate, Energy, and Entity Planning](https://www.havenstoneadvisory.com/resources/blog/save-millions-in-taxes-in-10-minutes)
  The tax code isn’t punishment, it’s a reward system. Here’s the CPA playbook my clients use to legally keep millions more: hire well, innovate, use real estate and energy incentives, leverage ag, and fix your structure so planning, not guessing, drives your bill.
- [Why the 24% Tax Bracket Can Be a Planning Sweet Spot](https://www.havenstoneadvisory.com/resources/blog/why-24-percent-tax-bracket-sweet-spot)
  Worried a raise or business profit will ‘throw you into a higher bracket’? Here’s the wedding‑cake model that makes marginal taxes click, and why the 24% bracket is a strategic planning sweet spot for 2026.
- [Why 7-Figure Businesses Overpay Taxes](https://www.havenstoneadvisory.com/resources/blog/why-7-figure-businesses-overpay-taxes)
  Crossed $1M in revenue? Here are the hidden tax leaks costing many owners $100K+ a year and proven ways to stop them.

## Tools and Next Steps

- [Buy, Borrow, Die Cheat Sheet](https://www.havenstoneadvisory.com/resources/guides/buy-borrow-die): Understand the framework without treating it as a one-size-fits-all tactic.
- [Profit Routing Calculator](https://www.havenstoneadvisory.com/resources/calculators/profit-routing): Model how business profit moves into reserves, growth, tax, and wealth lanes.
- [Individual Tax Strategy](https://www.havenstoneadvisory.com/services/individual-tax): Coordinate income, investments, retirement, and entity planning.

## Canonical

https://www.havenstoneadvisory.com/resources/topics/wealth-tax-strategy