Tax Efficient Layering™
One system. Many tools. Built to keep more in your pocket.
At AIFG we believe tax planning should work like a system — not a guessing game. That’s why we built Tax Efficient Layering™ (TEL): a proprietary planning framework that stacks multiple advanced strategies into a single, coordinated design tailored for business owners and individuals.
TEL isn't about selling products. It's about engineering the right layers to work together at the right time. The result? Optimized tax savings, more capital in motion, and a clear path to personal and financial freedom
Why it Matters
Too many entrepreneurs and professionals are stuck in reactive mode. They file taxes after the fact, follow generic CPA advice, and hope they're doing enough. Spoiler: they usually aren’t.
The tax code is written with over 70,000 pages of opportunity — most of it designed to reward planning. TEL is how we unlock that opportunity for:
Profitable business owners
Growth-minded professionals
Partners and executives planning succession or exit
If you're still using a one-size-fits-all approach, you’re leaving money on the table. TEL is how you fix that.
How It Works: Layering, Not Guessing
Tax Efficient Layering™ combines the best elements of:
Entity structure
Executive benefits
Retirement design
Compensation strategy
Legacy and estate tools
These aren’t random tactics. They’re deliberate layers, stacked in the right sequence to match your income, business lifecycle, team size, and personal goals.
Example Flow: Business Revenue → MSO Structure → ICHRA & Profit Sharing → 412(e)(3) Retirement → Executive Bonus → CLAT → Roth Conversion Funnel
Each layer complements the next. Together, they form a living, breathing financial engine.
Two Strategic Tracks
TEL for Business Owners
How we apply layered planning to your operating company:
Reduce tax drag on revenue
Create executive comp and retirement structures
Build long-term employee retention systems
Prepare for succession or exit
TEL for Individuals
How we help you personally harvest the benefits:
Lower your income tax liability
Reposition assets tax-efficiently
Convert business income into long-term legacy
The Tools Behind the Layers
Each TEL strategy has its own role. When layered, they multiply value.
Click Below to Examine each one.
Ready to Layer Up?
You’ve worked too hard to leave your financial future to chance. If you're ready to use the tools the ultra-wealthy have used for decades — and apply them to your business or household — let's talk.