Noah & Lloyd

Featuring one of our most sought after services:

Taking control of the one sign of success you don't want - capital gains.

Is this for you?

We recommend that, before you invest any time beyond simply reading a bit about our services, you consider two questions;

1. Do you have a financial concern that needs addressing?

(or a pressing question you would like an answer to)

2. What benefit might you receive if you work with us?

A Problem Worth Solving

You've heard this before. You made money on an investment, and now you want to harvest some profits that could create a tax bill. And here it is... "Hey, that's a good problem to have!" But is it, really?

Even if you aren't generating taxable gains through the sale of an asset, you may be generating income taxes simply by waking to the alarm clock and taking a breath. Focusing on making more money is good, but we can also help with the focus of reducing your tax burden.

Once that capital leaves your hands and goes to the government as taxes, that is capital lost to the future benefit of you and your family. The IRS and state taxing authorities WANT you to put your money back to work to stimulate the economy. That's why there are so many tax credits and incentives that we all may use.

It's funny that only when someone can't USE a tax reduction technique that they disparagingly call it a "loophole", but when it benefits them directly, it suddenly becomes a "right".

It's simple really. If you earn a dollar, or sell an appreciated asset, there are taxes due. It's up to you to decide whether you are interested in using, legally and ethically, the opportunities available to reduce those taxes.

Think of it this way. If you make a donation to a charity, you are not OBLIGATED to deduct that from your taxes. The same with mortgage interest or claiming dependents. Those things are legally available to you, but you are under no obligation to claim them.

So, what's in it for you?

At the moment, the Federal capital gains rate is between 0% and 20%. Additionally, most will have an additional 3.8% Net Investment Income Tax for a total of 23.8%. Recent proposals have suggest that capital gains rates could go as high as 43.4%. Many states also have capital gains taxes.

It goes without saying that, in a era of massive deficit spending, income taxes and other types of "success punishing" taxes - like the Federal Estate Tax - are destined to continue their upward trajectory.

Sure, there is emotional value in reducing your tax burden. But more practically, every dollar you legally reallocate back in to working capital and out of excess tax payments compounds exponentially over time, to your direct benefit. Dollars lost unnecessary through excess tax payments are removed from your benefit forever. It may be impossible to put an accurate value on that lost utility value over a lifetime.

Once you talk with us, we will determine if any of our strategies may be a fit. There are a number of techniques to defer, reduce, or eliminate tax altogether - all soundly positioned in existing and proven tax reduction strategies - proven, but not always well know or readily accessible through most mainstream advisors. The decision on what to do next, and whether this benefits you, is then fairly easy to make.

This is the decision - will the cost of our program (through effort or expense) be less than the cost of the taxes you will pay if you decide not to take advantage of the options the IRS has made available to you?

The tax landscape

Taxes are as "baked in" to personal and business life as oxygen and sunshine are to organic life. You rarely get one without the other. And our tax collection apparatus, lead by the Federal government's Internal Revenue Service, is a systemic and accepted (and generally unwelcome) risk to the successful accumulation and growth of capital.

But businesses are, at the end of the day, owned by individuals. And it is from those individuals that the wealth and capital is removed.

To counter that risk, and to stimulate capital investment and the economy in general, the IRS has provided various methods to reduce taxes, and to therefore keep more capital at work in the economy. It is a committed part of our tax system, and the reason that our tax code, regulations, and case law now measures over 30,000,000 words.

Tax Avoidance is a legal technique, supported through existing laws and statutes. Tax Evasion is illegal, and is discouraged through judicial prosecution and criminal penalties. It should go without saying that we are obsessed with providing you access to experts that understand how (and how not) to help you lower your tax obligation in a manner consistent with the guidance and restrictions from the IRS.

This sums it up in a nutshell. Judge Learned Hand (1872-1961), one of the most quoted "non-Supreme" adjudicators of all time, put it this way.

“In America there are two tax systems.

One for the informed and one for the

uninformed. Both are legal.”

What Noah & Lloyd provides is an opportunity for you to gain exposure to a carefully selected collection of proven and successful tax elimination and reduction techniques, most typically focusing on capital gains taxes, as well as income and estate taxes.

Each of our strategies is selected based on several criteria:

1. The strategies follow the current US Tax Code and International Tax Treaties, and are most reliable when based on established precedent, not hopeful interpretation, or by simply co-opting the private letter rulings of other taxpayers without other firm basis in fact.

2. Our team and our partners identify and engage professionally with top experts nationally who have the skill and experience to execute these strategies with the precision and efficiency you expect.

3. Finally, the need for each strategy is clear, common, and will benefit many of our clients. But the solutions themselves are not common, or at times even readily available, and often not yet well known in the industry.

The combination of all three, therefore, adds measurable value and retains meaningful wealth in the lives of our client

What this is, and is not

We don't want you to dump your people

We are financial services professionals of several varieties, but what we are NOT are tax preparers or attorneys. This is not a "pitch" to get you to use us for your taxes or legal work. You've got people for that, and it's not us.

We don't want you to make mistakes

We have, however, invested hundreds of hours speaking directly with many colleagues in the industry that have their own level of specialized expertise. We have selected from those few the very small group of standouts in unique tax and legal techniques that are proven and established experts in these strategies.

So, in order to get our services, you have to use our people. That is not negotiable, and it shouldn't be.

In much the same way that your primary care physician sends you out for needed tests or specialized care, our experts work with your tax, financial and legal advisors to coordinate and execute on these plans. Our experts do their part, but it is still under the ongoing care and service of your local expert.

Use our people. Keep your people.

We keep all the trains running

Our role then becomes as "case manager" for your care throughout this process. We help navigate all the behind the scenes due diligence and followup that you and your advisors will want to do, and then work with our team of "ninjas" to execute these strategies compliantly, efficiently, and effectively on your behalf.

The quick "handshake story"

Discovering our mission