Request My Strategy Session
Discover How High-Income Earners
Are Turning 5-Figure Tax Bills
Into Wealth Built For Them
Through a confidential strategy session, we uncover what you're overpaying the IRS β and show you how a personalized executive benefit plan, funded with business dollars, repositions it into tax-advantaged wealth built around you.
You're Building Wealth Inside Your Business.
But Are You Building It For Yourself?
You're Taxed On What You Keep
Each year you pay yourself what's left and hand a large check to the IRS. Much of that could potentially be repositioned into a plan that works for you instead.
Contribution Limits Cap Your Future
Traditional 401(k)s and IRAs cap what you can set aside β and force you to offer the same benefit to every employee. If those limits didn't exist, how much more would you put away for yourself?
Nearly Everything Is Taxable Later
If almost all of your savings is taxable at withdrawal, you have no tax diversification. A coordinated strategy adds a tax-advantaged bucket that you control.
The best strategies reward the owner firstβwhile protecting the business.
A Plan Designed
Around You β
Not Everyone Else
Here's what a properly structured executive benefit strategy can do for a profitable owner or key executive.
Funded With Business Dollars
Fund a plan designed specifically for you as the owner or key executive β using business dollars, not a benefit spread across every employee.
Tax-Advantaged Growth
Build tax-advantaged cash value over time β with potential tax-advantaged access through policy loans when the plan is properly structured.
Protection For Your Family
Income tax-free death benefits for your family β plus living benefits for qualifying chronic, critical, or terminal illness, depending on the policy.
Complements Your Retirement
Designed to complement your existing retirement plans instead of replacing them β adding the tax diversification most owners are missing.
What clients typically discover once someone reviews their returns as a diagnosticβnot just a compliance document.*
The scorecard and forensic review are designed to surface your highest-impact opportunities fastβbefore the next quarterly deadline.
The planning gap grows with income. Business owners, real estate investors, and high W-2 earners have the most to recover.
Traditional Plans vs. A Plan Built For You
Built For Everyone
- Hard contribution limits cap what you save
- Must offer the same benefit to every employee
- Nearly everything is taxable at withdrawal
- No living benefits if illness strikes
- Pays the owner last
Built Around You
- Designed specifically for you as the owner
- Free of traditional contribution limits
- Tax-advantaged cash value you can access
- Income tax-free death benefit + living benefits
- Rewards you first β while protecting the business
You don't need to save more inside your business. You need a strategy that rewards you β funded with business dollars, built around you, and designed to protect your family and your company.
Who This Analysis Is Built For
Profitable Business Owners
Owners who want additional retirement income, better tax efficiency, and to protect both their family and their business β without capping themselves at 401(k) limits.
High-Income Professionals
Physicians, executives, and attorneys writing large tax checks with maxed-out qualified plans and few tax-advantaged options left.
Athletes β NIL, NFL & NBA
High, often front-loaded income that needs advanced tax reduction and long-term wealth strategy β not just traditional retirement planning.
Key Executives
Key people a business wants to reward and retain with a personalized benefit designed to pay them first.
You're not a profitable business owner or high earner, you're not open to a life-insurance-based strategy, or you already have a coordinated executive benefit plan in place. Every situation is different β that's why we start with a confidential strategy session.
What You Get When You
Submit Your Information
This isn't a generic checklist. It's a personalized forensic review of your tax situationβbuilt around how you earn, where you live, and what's actually been filed.
A 30-minute Tax Elimination Scorecard surfaces where high-income households typically overpayβbased on how you earn. You finish with a ranked "Top 3 Moves" list and a scheduled session with a tax strategy specialist who conducts a forensic analysis of your returns to identify missed credits, unclaimed strategies, and recoverable tax dollars.
Request My Strategy Session- Tax Elimination ScorecardRanked Top 3 highest-impact moves based on your income type and structure
- State-Specific Decision MapPlanning opportunities specific to your metroβnot generic national advice
- Quarterly Tax PlaybookHighest-leverage checkpoints before each quarterly estimate payment
- Liquidity Event Planner90/60/30-day checklist for RSUs, bonuses, business exits, real estate sales
- CPA Proactivity Test + AgendaReady-to-send email revealing whether your CPA is planning or just filing
Submit Your Information
Fill out the short form with your income profile
Schedule Your Review
Book your 30-minute forensic review with a specialist
Receive Your Scorecard
Get your personalized Tax Elimination Scorecard and resource kit
Leave With A Plan
Walk away with ranked, implementable next steps
Before & During Your Advisor Session
Here's exactly what happens when you submit your information β what you receive immediately and what your advisor walks you through during your session.
Tax Elimination Score Card
Complete the short questionnaire and instantly see your Tax Elimination Score β a personalized assessment that identifies where you are most likely overpaying and surfaces your Top 3 highest-impact planning opportunities. This becomes the agenda for your advisor session.
State-Specific Decision Map
A planning map reflecting real opportunities and traps specific to your state β so you're not relying on generic national advice that ignores where you live and how you're paid.
Quarterly Tax Playbook
The highest-leverage checkpoints to review before each quarterly payment β covering income timing, estimated payments, and documentation habits that keep strategies defensible.
Liquidity Event Planner
A 90/60/30-day decision checklist for RSUs, bonuses, business exits, and real estate sales β so you know exactly what to do before a taxable event, not after.
CPA Proactivity Test
A ready-to-use email, meeting agenda, and question set that quickly reveals whether your current CPA is running proactive strategy β or only filing forms.
Forensic Return Review
Your advisor reviews your actual returns like a diagnostic β identifying missed credits, unclaimed strategies, and coordination gaps that are costing you money right now.
A Clear Next Steps Plan
You leave the session with a ranked, prioritized action list β specific moves to make before your next filing deadline, not vague ideas you have to figure out on your own.
Identify Your Tax Elimination Numbers
Share your current situation with us and we'll give you a score along with a personalized number showing your potential savings β based on our clients' history and your specific circumstances.
- Tax Elimination Scorecard + Top 3 Moves
- State-Specific Decision Map
- Quarterly Tax Playbook
- Forensic review session with a specialist
Your answers and results are 100% secure and confidential. We will never sell, share, or distribute your information to any third party. Your data is used solely to generate your personalized tax opportunity results.
The Strategist Behind Your Plan
Jon Mall
Financial Strategist · Valoram Solutions
Jon Mall is a financial strategist with Valoram Solutions who helps high-income earners β business owners, executives, and professional athletes β turn oversized tax bills into coordinated, tax-advantaged wealth. Drawing on a critical care background, Jon uses a structured review process to align how you earn, how youβre taxed, and how your wealth compounds into one written blueprint. Clients pursue him for clear recommendations, transparent tradeoffs, and execution-focused planning built around them.
Frequently Asked Questions
Most clients do. A CPA's job is to file accurately and keep you compliantβnot to engineer a year-round tax elimination strategy. This review looks specifically at what proactive planning has been missed, regardless of who's currently filing for you.
Every strategy we surface is legal, documented, and defensible. We focus exclusively on strategies high-income households are legally entitled toβmost of which are simply never implemented because nobody's job is to bring them up proactively.
A Valoram tax strategy specialist reviews your actual tax situationβincome sources, entity structure, investments, giving, and retirement accountsβand walks through exactly where the gaps are and what the highest-impact moves would be before your next deadline.
It means we look at your return the way a diagnostician wouldβnot to verify it's correct, but to identify what's missing. Missed elections, unclaimed credits, structural inefficiencies, and coordination gaps between your advisors. Things that are legal to fix but require someone actively looking for them.
The Tax Elimination Scorecard, resource kit, and initial specialist review are provided at no cost. Our business is built on long-term client relationships where coordinated tax strategy creates ongoing valueβnot one-time engagements.
A specialist will reach out within 1 business day to confirm your information and schedule your review session. Spots are limited each week, so earlier submission typically means faster scheduling.
Prefer To Just Book A Call?
Grab a time directly below. We start with a confidential strategy session to determine whether this planning concept is appropriate for your goals.
Discover What May Be
Missing From Your Tax Strategy
If you're earning $200,000+ and feel like you're paying more than necessaryβthis review may uncover $15k to $75k in savings you didn't know were there.
Request My Strategy SessionLimited forensic review spots available each week