The tax code changed. Your entity probably didn’t. At your revenue level, that gap has a dollar amount — it compounds every year you don’t close it.
You have a real business. Real revenue. Real risk taken. Right now, a significant amount of what you’ve earned is leaving, legally, quietly, permanently. Your structure was never built for where you are today.
The One Big Beautiful Budget Act (OBBBA) extended critical pass-through deductions and reshaped how business income is taxed. Those provisions expire around 2030. The window is open. It will not stay open.
Here is what’s at stake if you’re operating on default settings right now:
- The 23% QBI deduction can eliminate tax on nearly a quarter of your business income. It expires around 2030. If your entity structure isn’t built to access it fully, W-2 wages calibrated, SSTB exposure managed, you’re leaving six figures on the table annually.
- Your entity structure was probably set up when the business was smaller. A default LLC pays self-employment tax on 100% of net income. A properly structured S-Corp doesn’t. At your revenue level, that difference alone can exceed $50,000 a year.
- Income timing decisions made before December 31st — on receivables, transactions, appreciated assets — are tax strategy decisions. Made by default, they’re just taxable events. The difference between the two can be six figures in a single year.
- Retirement plan funding can shelter $70,000 to $200,000+ from your tax return annually. Most owners at your level are using a fraction of what’s available — simply because nobody put it on the table.
The hard truth: At your revenue level, the gap between an optimized structure and the one you’re running now is not a rounding error. It is $100,000 to $500,000 a year — recurring, compounding, and entirely legal to close. The only reason most owners don’t close it is that nobody initiated the conversation.
This is not about aggressive tax strategies or gray areas. Every lever described here is a well-established provision in the current code.
We do not file returns and move on. We build structures, model scenarios, and stay in the conversation year-round. The owners we work with have built businesses that deserve more than a tax return.
If you have not had a dedicated strategy conversation about your entity structure, your QBI position, or your income timing this year, that conversation is already overdue. The OBBBA window is open now. It will not be open indefinitely.
Give us a call and we can walk you through your potential gains and discover those intangible losses. That’s Not the Same as Optimized.