Unlocking liquidity without triggering a tax avalanche.
Linda Washington, a high-powered corporate attorney, faces a significant financial hurdle. As she prepares for her partnership buyout, she needs access to capital to cover immediate expenses and invest in new ventures. However, prematurely accessing her $1.5 million in deferred compensation would trigger a substantial tax bill, potentially wiping out a significant portion of her hard-earned savings. Further complicating matters, Linda's estate planning involves a blended family, requiring careful consideration of asset allocation and potential tax implications.
Golden Door Asset advised Linda to utilize a personal loan to bridge the gap between her current needs and the timing of her deferred compensation distribution. By using our Personal Loan Calculator, we demonstrated how she could borrow $750,000 at a competitive interest rate, allowing her to pursue investment opportunities and cover expenses without immediately triggering taxes on her deferred compensation. This strategy buys her time to implement a tax-efficient withdrawal plan over several years, significantly reducing her overall tax burden.
The Personal Loan Calculator was used to determine the optimal loan amount, interest rate, and repayment terms to minimize interest expenses while providing sufficient liquidity. This was then combined with Student Loan Calculator to manage children's college payments.
$250,000 in potential tax savings over 10 years by strategically delaying and spreading out deferred compensation withdrawals.
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