Convert your asset into a guaranteed income stream

Enjoy Predictable Income by turning your business or real estate equity into a stream of payments guaranteed  by a life insurance co. 

 

Structuring your sale can make a major difference in how much of the sale goes to taxes and how much stays with you.  Funds lost to taxation on a lump sum payment are instead put to work for tax deferred growth.

Financial and Tax Professionals

Help your clients navigate their potential tax liability from their property or business sale.

Real Estate and Business Brokers

Inform your clients of a new way to sell their investment property or business.

Partner with us

We help to increase your knowledge of potential options for your clients, increase client retention and to provide you a value added resource partner who can provide meaning full tax and income benefits for your clients.

Lower your capital gains taxes with a Structured Installment Sale

Led by a rising market and growing demand for protected income, Life Insurance companies like MetLife are providing a tax-efficient solution for the sale of highly appreciated assets such as Real Estate and Businesses.

Less complicated than other tax deferral strategies.

The best part? We don't charge you for our services.

Luxury rental home in california

If you haven't thought about selling until now,

that's ok

There are many owners who have put off selling their asset because of their tax liability. We help to address this challenge by offering a simple and incredibly effective option that would help make your sale work better for you.

happy retired couple walking their dogs

Exit into retirement

When selling a business, ensure you're getting the most out of your life's work. A SIS can help you achieve a better exit outcome and compliment your retirement plan.

Turn your business equity into a stream of monthly payments you can depend on.

Use as a bridge to maximize your social security

Tax deferred sale increases your hard earned profits

Fixed guaranteed payments provide financial security in retirement

Keep things simple

Defer your holdings without having to acquire new property.

Simply added to the purchase agreement

No time or like-kind restraints

No complicated additional steps

Normal sale for the buyer and an installment sale for the seller

Keep More Money

Sellers can significantly lower their tax liability.

Powerfully Simple

Easily added to the purchase agreement.

Guaranteed Income

From a highly rated insurance company.

Lump Sum

$444,600

SIS Option

$244,500

45%

Less in taxes from the sale of a Dental practice in California compared to taking the full net proceeds upfront. More details.

Less Tax, More Gain.

There are a variety of ways a Structured Installment Sale can be utilized to not only reduce capital gains, net investment income and state income taxes when selling  but can also be used as a strategic tool in financial planning.

Resources for you

See how MetLife's Structured Installment Sale helps in the sale of a real estate property.

Learn how a business owner can use a SIS to sell a percentage in his business.

Contact Us For A Quote.

See how how much money you could save using a Structure.

Florida Real Estate

Sale Price: $4,250,000

Lump Sum Tax Bill: $436,000

SIS Tax Bill: $60,060

See case example

Case Studies

See how the owner of a highly appreciated Real Estate property in Florida was able to reduce their capital gains and net investment taxes while providing payments to supplement retirement income with a Structured Installment Sale.

Keep more of your money.

Receive guaranteed periodic payments.

Income protection from market volitility, giving you the ultimate peace of mind.

Less complicated than other tax deferral strategies.

The best part? We don't charge you for our services.

Lower your capital gains taxes with a Structured Installment Sale

Less complicated than other tax deferral strategies. The best part? We don't charge you for our services.

Maximize the value of your sale

Retired busiess owner deferring her taxes with a structured installment sale
Protect Your Money

One of the key advantages to a Structured Installment Sale is that it is not affected by market fluctuations because it is offered by a A+ rated life insurance company and can provide protection and guarantee of your principal not generally found in other tax deferral strategies.

Reduce Your Tax Liability

Instead of receiving a lump sum at the time of sale the seller receives payments over a period of years and pays tax as payments are received. Spreading out your proceeds into future years saves you money in taxes and also helps to keep your income in a lower tax bracket. Structured Installment Sales are taxed no differently than a standard installment sale per IRS publication 537.

Create Long-term Income

Enjoy getting back your hard earned money the way you want. Choose how often, the number of years and your payment amounts. Each installment payment to you has three components: Return of basis, capital gains and ordinary income earned on the money in the annuity.

Use as an exit plan strategy

Using a SIS as a part of your exit plan can help to secure a business owner's financial future and allow real estate investors to maximize their profits and minimize their risk.

Diversify Your Portfolio

Create a stable source of income within your portfolio. Using a SIS can provide protection against certain economic factors like sudden downswings in the market or offset the cost of out-of-pocket healthcare expenses.

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THE DIFFERENCE

How is a Structured Installment Sale different from other tax deferral strategies?

A Structured Installment Sale is blend of an installment sale and a guaranteed payment stream and can diversify a sellers financial holdings, secure the risky proposition of a traditional installment sale and lock in tremendous pre-tax investment returns.

Simply added to the purchase agreement

There are no complicated extra steps to an already stressful process. The seller is able to sell to an interested buyer with a few extra documents added to the purchase agreement.

Payments are guaranteed by a life insurance company

With a SIS, the buyer transfers their payment obligation to a A+ rated life insurance company. The sale acts as a normal sale for the buyer and an installment sale for the seller.

Compliant & Secure

Utilizing a SIS, sellers can protect their sales proceeds from market volatility. With MetLife, advisors and their clients can be assured this tax efficient solution is backed by a top A+ rated company.

NO like-kind replacement requirements

A 1031 Exchange requires that after selling a property, you not only have to find a like-kind replacement but there are also strict time constraints.

NO out of pocket expenses

We do not charge for assisting in these sales. There are no upfront fees or consulting charges for either the seller or buyer.

NO managment fees

Tax deferral strategies that utilize a managed trust like a DST can be costly and complex. 

Keep More Money

Sellers can significantly lower their tax liability.

Powerfully Simple

Easily added to the purchase agreement.

Guaranteed Income

From a highly rated insurance company.

The challenge for owners when they sell a long-term capital asset like real estate or a business, if it has significantly risen in value...so has their tax liability reducing their hard earned profits.

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© 2022 Settlement Planners Lic #0775349          Private Policy

A Structured Installment Sale is not considered investments, furthermore Settlement Planners Inc does not provide tax advice or legal advice. This information is for informational purposes only and is not meant as tax or legal advice. Clients should consult with their tax professional or legal advisor prior to implementing this process or entering such transactions. 

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