Integrated strategy
for clients who have
outgrown their advisors.
Shurek delivers the tax strategy, estate planning, real estate investment, and wealth coordination of a private family office — built on the same accounting infrastructure that serves our professional and business clients.
Four service lines.
One coordinated firm.
Our service lines define what we do for a client. The individual strategies within each line define exactly how we do it — specific tools, structures, and approaches deployed based on your situation.
Income Tax Reduction
Year-round strategies to actively reduce your annual federal and state tax burden — planned before the year ends, not reported after it closes.
Estate & Wealth Transfer
Trust structures and gifting programs that remove assets from your taxable estate — designed around your specific asset base and coordinated with your estate attorney.
Wealth Preservation & Liquidity
Structured approaches to accessing appreciated asset value without triggering taxes — and the generational architecture that keeps compounding working in your favor.
Tax Compliance Infrastructure
Every return your structure requires — individual, trust, estate, gift, partnership, pension — prepared by one team in coordination with the overall strategy.
Individual Strategies
These are the specific tools and structures we deploy to reduce a client's annual income tax burden. Each requires proactive planning — they cannot be implemented after the year closes.
Accelerates depreciation on commercial property by reclassifying components into 5, 7, and 15-year lives. With 100% bonus depreciation permanent, qualifying property is fully deducted in Year 1. We conduct studies in-house — no outsourcing.
Annual contributions and deductions of $200,000–$300,000+ depending on owner age and income — far exceeding standard 401(k) limits. Assets grow tax-deferred and are creditor-protected in most states.
Up to 100% exclusion of capital gains — now up to $15M per issuer — for qualifying C corporation shareholders. Tiered holding periods (50%/75%/100% at 3/4/5 years) under the updated OBBBA rules.
Dollar-for-dollar credit against tax liability for qualifying research activities. More industries qualify than most owners realize — manufacturers, medical practices, technology firms, and construction companies among them.
Permanent 20% deduction on qualifying pass-through business income. Phases out for specified service businesses above income thresholds — making entity classification and income structuring critical.
Spread gain recognition across multiple years to reduce effective rates on large transactions. Combined with the $40,000 SALT cap (2025–2029), meaningful deductibility is restored for high-tax state residents.
Individual Strategies
These structures remove assets from your taxable estate, transfer appreciation to heirs, and protect wealth across generations — each with different access, control, and reporting implications.
One spouse creates an irrevocable trust naming the other as beneficiary. Assets leave the creator's estate permanently — along with all future appreciation — while the beneficiary spouse retains indirect access for health, education, maintenance, and support.
Transfer business or investment interests to a trust via promissory note with zero income tax recognition. All appreciation above the AFR interest rate accumulates in the trust, outside the estate, permanently.
Fund with appreciating assets, retain an annuity for a fixed term. Whatever exceeds the IRS hurdle rate passes to heirs gift-tax-free. If assets underperform, you simply receive them back — no downside.
Holds wealth for multiple generations free of estate tax at each transfer. Allocating the $15M GST exemption protects assets from both estate and generation-skipping tax indefinitely.
Holds family investment assets with general partner control retained by the family. Minority interests transferred at 20–35% valuation discounts for gift and estate tax purposes — stretching the $15M exemption further.
Holds a life insurance policy outside the taxable estate. Death benefit passes income-tax-free and estate-tax-free. Premiums funded via annual $19K exclusion gifts. We manage Crummey notices and annual trust filings.
Systematic annual gifts of $19,000 per recipient using the annual exclusion — no lifetime exemption used. Combined with 529 superfunding, direct tuition and medical payments, and FLP interest transfers, creates a sustained wealth transfer program.
Individual Strategies
How to access what you have built without triggering the taxes that would reduce it — and how to structure assets so the tax code's most powerful provision (the step-up in basis at death) works in your favor.
Accumulate appreciating assets. Borrow against them for tax-free liquidity instead of selling. At death, the step-up in basis resets all values to market — permanently eliminating a lifetime of unrealized gain. Loan proceeds repaid from stepped-up assets with zero capital gains tax.
Borrow against your investment portfolio at 50–70% of market value at competitive floating rates. Portfolio stays fully invested. No sale, no capital gains event, no disruption to long-term compounding. Available at any time as a standing credit facility.
Extract equity from appreciated real estate as tax-free loan proceeds. The property is still owned. Depreciation continues. Appreciation keeps compounding. Proceeds can fund the next acquisition — recycling equity without a taxable sale event.
Fine art acquired with investment intent appreciates outside traditional markets, can be borrowed against at 40–50% of appraised value, and receives the full step-up in basis at death. Donated to a qualified museum, it eliminates the 28% collectibles gain and generates a full FMV charitable deduction.
Every filing your
structure requires.
For complex structures, compliance is strategy — not just administration. The gift tax return that documents a transfer starts the statute of limitations, or fails to. The estate return captures the portability election permanently, or misses it forever.
Your anchor filing — reflecting every strategy, every K-1, every trust flow-through, every deduction. Prepared by the same team that designed the strategy so the return is internally consistent and defensible.
The most strategically important return most clients undervalue. Proper 709 preparation includes adequate disclosure that starts the 3-year statute of limitations on IRS challenge of the gifted value.
Filed within 9 months of death. Even for estates below the $15M exemption, should often be filed to make the portability election — preserving unused exemption for the surviving spouse permanently.
Annual returns for non-grantor trusts with distributable net income analysis and K-1 preparation for all beneficiaries. Trust brackets are compressed — income above $15,200 hits 37%. Distribution planning matters.
For all FLPs, real estate LLCs, and multi-member pass-through entities. Capital account maintenance, basis tracking, and K-1 preparation for every partner — consistent with the estate planning documentation.
Filed with the DOL for defined benefit and cash balance plans. Coordinated with the plan actuary. Late filing carries $250/day in penalties up to $150,000 — not something to leave to a third party unfamiliar with the plan.
Integrated with the business return to produce a dollar-for-dollar reduction in tax liability. Requires contemporaneous documentation of qualifying activities maintained throughout the year — not reconstructed at filing time.
"Every return is filed with your understanding of what it reports and what it protects. The returns reflect the plan — they are not filed in isolation from the strategy that produced them."
Specialized advisory
for specific situations.
Business Succession & Exit Planning
Pre-sale estate planning, QSBS qualification, asset vs. stock sale analysis, personal goodwill allocation, and charitable exit strategies. The planning that happens before a sale determines the outcome — we engage 60–90 days minimum before closing.
Charitable Planning Strategies
Tax-efficient philanthropy that produces better financial outcomes than selling and donating cash. The CRT sells appreciated assets tax-free, generates an income stream, and produces an immediate deduction. The DAF eliminates the capital gain on appreciated securities entirely.
Real Estate Investment & Tax Advisory
Proprietary off-market acquisitions sourced by our 20-year MHP and commercial real estate partner. In-house cost segregation on every deal. Real estate professional election analysis, 1031 exchange coordination, and basis step-up vs. transfer tax modeling for every significant holding.
Crypto & Digital Asset Planning
The wash sale rule does not apply to crypto — year-round tax-loss harvesting is available without interruption. Charitable DAF strategies eliminate capital gains on appreciated positions. Estate planning for digital wallets requires specific trust drafting and key management provisions most attorneys have never written.
Not a CPA firm.
Not a wealth manager.
Something better.
Most advisors work in silos. Your CPA files your returns. Your estate attorney drafts your trust. Your investment advisor manages your portfolio. No one connects the dots.
Built on the same infrastructure as Shurek Accounting & Tax, our wealth advisory platform fills the coordination role that no single advisor has been playing — connecting every dimension of your financial picture into a single, coherent strategy.
- 01
In-House Cost Segregation
Conducted internally — faster, better integrated with returns, and significantly cheaper than outsourcing.
- 02
Proprietary Real Estate Access
Direct deal flow from our 20-year MHP and commercial real estate partner — not public marketplace acquisitions.
- 03
Attorney Partner on the Team
Legal coordination and a referral network of attorneys and physicians built directly into the firm.
- 04
Complete Compliance in One Firm
1040, 709, 706, 1041, 1065, 5500 — one team, no gaps between what was planned and what was filed.
Strategy first.
Then execution.
Then reporting.
Diagnostic & Discovery
We review your current structure — entities, trusts, returns, estate exposure — and identify where the real risks and opportunities are.
Tax & Transfer Modeling
We model the impact of proposed strategies before anything is implemented. You make decisions with clear numbers in front of you.
Coordinated Blueprint
A written roadmap with a sequenced implementation plan and a reporting checklist for year one and beyond.
Implementation & Coordination
We coordinate with your attorney, trustee, and advisors — ensuring the plan does not fall apart between meetings.
Ongoing Private Relationship
Year-round advisory that keeps the strategy current — not just the returns filed.
Wealth built any way.
Planned the right way.
The common thread is not the industry or the job title. It is that our clients have built significant wealth and outgrown the advice they are currently getting.
Business Owners
Closely held companies with appreciating value, succession needs, and significant annual tax exposure.
Attorneys & Law Partners
Complex compensation, partnership interests, and growing estate exposure that standard advisors are not equipped to address.
Physicians & Specialists
$500K–$2M+ annual income, significant tax burden, and limited planning time.
Crypto & Digital Asset Holders
Significant unrealized gains, complex cost basis, and planning needs most advisors have never encountered.
Tech Founders & Executives
Equity comp, ISOs, RSUs, concentrated positions, and QSBS analysis for founders approaching a liquidity event.
Real Estate Investors
Depreciation complexity, 1031 chains, and the basis-vs-estate tradeoff that demands coordinated analysis.
Affluent Families & Trusts
Multi-generational estates, active trusts, annual gifting programs, and no one coordinating the full picture.
Anyone Who Has Outgrown Their Advisors
If your situation has grown beyond what you are currently receiving — regardless of how you built it.
Tax strategy &
wealth planning resources.
What the Estate Tax Exemption Change Means for Business Owners
The permanent $15M exemption under the OBBBA — what changed, what it means, and where planning focus shifts now.
When a Revocable Trust Does Nothing for Estate Tax Planning
Widely used and widely misunderstood — what a revocable trust actually does and the significant gap it leaves.
How Trust Planning Affects Your 1041, 709, and 1040 Returns
Estate planning creates specific reporting obligations every business owner and family needs to understand.
Every engagement starts with a
private discovery call.
No charge. No obligation. We determine whether there is a genuine fit and what the right starting point looks like for your situation.
A conversation,
not a sales pitch.
The discovery conversation is exactly what it sounds like — a chance for us to understand your situation and for you to understand how we work. We do not present a package. We ask questions, listen, and determine whether the integrated advisory model we deliver is the right fit.
If you are an advisor reaching out on behalf of a client, we respond within one business day.