Step 1 · Your Blueprint
Your Tax & Estate Organizational Plan
Businesses, real estate, investments, retirement accounts, and estate — on one page, with the money flows drawn in. Dashed items are proposed, not yet in place.
Step 2 · The Eiduk System
One map. Three systems. One advisor running all of it.
The Eiduk Pathway™
Pay Less
80 strategies across 9 phases, every one IRC-cited
Eiduk Cash Allocation System™
Keep More
Profit First, applied to your S-Corp
The Eiduk Wealth System™
Build Wealth
The 12-step priority ladder
SYSTEM 1 · TAX — WHERE YOU STAND TODAY
Tax Overview
Effective Rate
33.5%
federal + state, of total income
Federal Bracket
37%
next dollar of ordinary income
Filing Status
Married filing jointly
Total Federal Tax
$306,000
tax year 2025
State Tax
$50,500
Your Tax Storyhow your income flows down to your tax liabilityShowHide
ABOVE-THE-LINE ADJUSTMENTS
DEDUCTIONS
TAX & CREDITS
PAYMENTS & WITHHOLDING
Schedule D: Capital Gains & Losses
Go deeper: This overview is a snapshot from your most recent return. Advisory clients receive the full analysis — multi-year projections, strategy modeling, and ongoing planning against these numbers.
The Eiduk System · Your Roadmap
Action Items
System 3 · Wealth — The Eiduk Wealth System™
Investment Allocation
Asset allocation
- US Equity50.8%
- International Equity15.0%
- Fixed Income28.3%
- Cash5.8%
Cap size weighting
- Large Cap50.8%
- International15.0%
- Bond28.3%
- Cash5.8%
Holdings7 holdings$1,200,000100.0%
| VTIVanguard Total Stock Market ETF | $420,000 | 35.0% |
| BNDVanguard Total Bond Market ETF | $220,000 | 18.3% |
| VXUSVanguard Total International Stock ETF | $180,000 | 15.0% |
| QQQMInvesco NASDAQ 100 ETF | $130,000 | 10.8% |
| SGOViShares 0-3 Month Treasury Bond ETF | $120,000 | 10.0% |
| CASHBank Sweep | $70,000 | 5.8% |
| NVDANVIDIA Corp | $60,000 | 5.0% |
Illustrative portfolio for a fictional composite — not a real account, and not investment advice or a recommendation to buy or sell any security.
SYSTEM 3 · WEALTH — INVESTMENT TAX EFFICIENCY
The Hidden Tax on Your Investments
Your taxable accounts throw off income every year whether you spend it or not — and the IRS taxes it every year. Here is what that costs at top rates:
Annual investment income
$28,008
from taxable accounts
Estimated annual tax
$9,522
every year, growth or not
Tax drag
0.79%
of taxable assets, per year
Per-holding detail7 holdings
| Holding | Income / yr | Treatment | Est. tax / yr |
|---|---|---|---|
| BND 3.66% yield | $8,052 | Ordinary · 40.8% | $3,285 |
| SGOV 4.90% yield | $5,880 | Ordinary · 40.8% | $2,399 |
| VXUS 2.95% yield | $5,310 | Qualified · 23.8% | $1,264 |
| VTI 1.22% yield | $5,124 | Qualified · 23.8% | $1,220 |
| CASH 4.10% yield | $2,870 | Ordinary · 40.8% | $1,171 |
| QQQM 0.58% yield | $754 | Qualified · 23.8% | $179 |
| NVDA 0.03% yield | $18 | Qualified · 23.8% | $4 |
Illustrative estimate at top federal rates (40.823.8% qualified — 20% LTCG + 3.8% NIIT). Equity-fund income is treated as qualified; bond, cash, and other income as ordinary. State tax and fund-level 1099 detail are applied in the full analysis inside your engagement.
The Eiduk System · Selected for Your Structure
Advanced Strategy Opportunities
This Blueprint surfaced 6 advanced strategies matched to this structure — each with an estimated annual or one-time savings range. The names, the modeling, and the numbers are delivered inside the engagement. They span areas like:
Advanced Tax Strategies
The Math Test
A big deduction isn't automatically a win. When a strategy buys a deduction with real money, like bonus depreciation, it first has to beat the boring alternative: simply investing the same dollars. That head-to-head is built into how we model these strategies, and if the math says the deduction loses, we'll tell you. That's the point. You can run your own numbers anytime: Try Deduction vs. Invest →
Weighing a short-term rental or another property purchase? The same discipline applies to the whole deal: rents, appreciation, and the cost segregation deductions, head-to-head against simply investing the down payment and every dollar the property consumes: Try Rental vs. Invest →
Savings indications are planning estimates that depend on specific facts, elections, and implementation; they are not projections or written tax advice. Each strategy is confirmed against the complete situation before any action is taken.
THE BRIDGE · SYSTEM 2 → SYSTEM 3
The Eiduk Wealth Waterfall™
Most owners' money makes an unplanned journey — business account, personal checking, whatever's left over. The Eiduk Wealth Waterfall™ maps the entire flow on purpose: from business revenue through your Cash Allocation buckets, into your household, and down a personal priority ladder that decides exactly which account every dollar fills next — and why. Yours is designed inside your engagement, for your entities, your brackets, and your plans.
The Eiduk Pathway™
What We Review
Entity Structure
- ✓S-Corp election & reasonable compensation
- ✓LLC protection for rentals & real estate
- ✓Holding company / COPE structures
- ✓Paying family members through the business
Retirement & Tax-Free
- ✓Solo 401k / 401k funding levels
- ✓HSA eligibility & funding
- ✓Roth strategy — backdoor & conversions
- ✓Retirement accounts for both spouses
Estate & Protection
- ✓Revocable living trust & asset titling
- ✓Wills, POAs & healthcare directives
- ✓Term life insurance coverage
- ✓Umbrella liability policy
Investments
- ✓Asset allocation & risk review
- ✓Asset location across account types
- ✓Idle cash deployment
- ✓Tax-loss harvesting opportunities
Your Blueprint is next
“Most CPAs file your return. This one optimizes it.”
Tax + Wealth under one roof. Your Eiduk System Blueprint brings your businesses, real estate, retirement accounts, and estate plan into one coordinated system — built by a CPA and CFP® working together, reviewed against every item on this page, and kept a step ahead as your life changes.
Buy the Blueprint →