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Mark Kohler on Bulletproofing Your Wealth Between $250K–$1M+

2025/4/8

Living The Red Life

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Mark Kohler

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Mark Kohler: 我建议小型企业主主动学习税务策略，并积极参与财务规划。不要完全依赖会计师，要自己掌握财务状况，并确保专业人士按照你的策略执行。我称之为“掌控你的航船”，这需要对业务运营、资产以及最终的税表有清晰的了解。首先，你需要了解各种税务策略，这样才能判断你的会计师或税务律师是否称职。如果他们对S公司、税收抵免、自导式退休账户等概念不熟悉，那么你可能需要更换专业人士。其次，年收入超过5万美元的小型企业主应该考虑将LLC转换为S公司，以降低FICA税。这需要仔细计算工资比例，以最大限度地减少税负。我的Kohler工资矩阵可以帮助你确定合理的工资比例。第三，组建董事会或顾问委员会，将家人纳入其中，可以获得税收抵免，并提高资产保护。这包括在业务中为家人分配职责，并为他们支付工资或1099报酬。这可以让你在支持家人的同时获得税收抵免。第四，充分利用退休账户进行投资，例如Roth IRA，可以进行税收优惠的投资，例如小型企业、房地产或加密货币。这需要了解Mega Backdoor Roth和自导式退休账户等高级策略。最后，在报税截止日期之前申请延期可以降低被审计的风险。如果你预期需要缴税，那么申请延期可以让你有更多时间来优化你的税务策略。 Rudy Mawer: 作为节目的主持人，我认同Mark Kohler关于税务规划重要性的观点，并通过与他的对话，学习了如何更好地管理个人财务，并为听众提供有价值的建议。我将这些策略应用于我自己的业务中，并从中受益匪浅。我鼓励听众积极学习并寻求专业人士的帮助，以最大限度地减少税负并实现财务自由。

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This chapter focuses on the importance of actively managing your finances as a small business owner. It emphasizes the need to stay informed about tax strategies and to critically evaluate the advice of financial professionals, highlighting the potential for significant savings through proactive financial planning.

The importance of actively managing your finances as a small business owner
The need to stay informed about tax strategies
Critically evaluate the advice of financial professionals

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SUMMARY

Mark Kohler, a top tax attorney, CPA, and best-selling author, joins the show to break down powerful tax and wealth-building strategies specifically for entrepreneurs and high-income earners. With decades of experience simplifying tax law for the everyday business owner, Mark dives deep into how smart structuring and proactive planning can help you legally pay less in taxes while building generational wealth.

Throughout the conversation, Mark unpacks how to leverage S Corporations, write off daily expenses, and even pay your kids while saving thousands annually. He also walks through advanced retirement strategies like the Mega Backdoor Roth and self-directed accounts that allow investments in real estate, crypto, and even cows. This episode is packed with golden nuggets for anyone earning between $250k to $1M+ looking to get serious about long-term financial freedom and bulletproofing their wealth.