How Business Owners Can Stop Overpaying Taxes Before 2026: The Sunset Strategy

If you’re a business owner and you’re not preparing for what’s coming in 2026, you’re walking blindfolded toward a cliff and hoping the wind changes. Hope is not a strategy — not in business, not in taxes, and certainly not when Washington’s involved.

The Tax Cuts and Jobs Act (TCJA) is set to expire at the end of 2025. When that clock runs out, the IRS isn’t sending a thank-you note. They’re sending a bigger bill.

Certified Financial Fiduciary and Tax Strategist Alan Porter breaks down what’s coming, why it matters, and what smart entrepreneurs should be doing right now to protect themselves.

The 2026 Tax Storm No One Is Ready For

When the TCJA sunsets, several things happen fast:

• Marginal income tax rates jump

• The 20% Qualified Business Income (QBI) deduction may disappear

• Estate tax exemptions get cut nearly in half

• Capital gains taxes likely rise

• Deductions shrink or vanish

Translation?You could be paying thousands to millions more in taxes—even if your income stays the same.

Most people are living in “wait-and-see” land. But waiting until 2026 is like waiting for the fire department to show up after the house burns down.

Why Most Business Owners Will Get Hurt

Business owners are stretched thin: inflation, staffing headaches, shaky markets. Add in the belief that “Congress will probably fix it” and well… that's how you end up overpaying taxes by six or seven figures.

Wealthy entrepreneurs don’t wait. They plan early, lock in today’s lower rates, and shift assets while the rules are still in their favor.

That's the difference between a proactive wealth plan and a tax disaster.

Smart Tax Moves to Make in 2025—Before It's Too Late

This next year is your golden window. After that? The window slams shut.

Here’s what Alan advises business owners to do now, not later:

✔️ Accelerate Deductions

Buy equipment, invest in improvements, and stack deductions while rates are low.

✔️ Use Bonus Depreciation

It’s phasing out—grab the tax benefits while they still exist.

✔️ Set Up a Defined Benefit or Cash Balance Plan

These allow massive pre-tax contributions. It’s one of the few remaining “big tax swing” tools.

✔️ Defer or Split Income

Strategic entities can shift income into lower brackets or spread income more efficiently.

These steps aren’t gimmicks. They’re perfectly legal, IRS-approved strategies used every day by wealthy business owners.

Building Tax-Free Retirement Buckets Is Critical

If you want to retire without kissing half your income goodbye, you need tax-free tools—now, while they’re still favorable.

Cash Value Life Insurance

When properly structured:

• It grows tax-deferred

• You can access funds tax-free

• It avoids market losses

• It reduces Social Security taxation

• It avoids Medicare means-testing

• It’s the most efficient wealth transfer tool under IRC 7702

Fixed & Fixed Indexed Annuities

These aren’t your grandfather’s annuities:

• Guaranteed lifetime income

• No market downside

• Optional increasing income

• Zero required minimum distributions in Roth structures

These two together build a retirement that the IRS can’t raid every year.

A Real-Life Example That Changes Everything

Most people assume you need a million-dollar portfolio to produce $40,000 a year in retirement income.

Not true.

Alan shows how putting $650,000 into a fixed indexed annuity can provide that same $40,000 per year — but with zero market risk.

That leaves $350,000 freed up.

Use it to:

• Pay Roth conversion taxes

• Fund a life insurance policy

• Create tax-free retirement income for life

That's how the wealthy play the game.

They don’t gamble. They plan.

Business Owners Planning to Sell? Read This Twice.

Selling after 2025 could cost you a fortune in capital gains.

Alan’s team helps owners reduce or eliminate those taxes using:

• Charitable trusts

• Installment sales

• Entity restructuring

• Insurance-funded buy/sell agreements

• Legacy and estate planning tools

A poorly planned business exit can be the single biggest tax mistake of your life.

Don’t let the government take a victory lap on your money.

Why Alan Porter’s Team Is Different

Alan works with a national team of:

• Tax attorneys

• CPAs

• Advanced estate planners

• Business succession experts

Everything is customized. No cookie-cutter, one-size-fits-none nonsense.

“You may have the best advisors in the world, but what they don’t know could cost you millions.”— Alan Porter

What You Should Do Next

Step 1:

Visit Alan’s website and use the Retirement Tax Calculator to see how big your tax bill could be in 2026.

Step 2:

Schedule a free consultation to discuss:

• How to lower your 2025 tax bill

• How to shift money into tax-free accounts

• How to prepare your business and family for the 2026 tax sunset

Alan doesn’t charge for consultations—he believes in education first, planning second.

Contact Alan Porter Today

📞 910-551-1046📧 StrategicWealth0@gmail.com🌐 www.StrategicWealthStrategies.com