You can lower your adjusted gross income in 2026 through several time-tested strategies. Max out retirement contributions — $23,500 to a 401k plus a $7,500 catch-up if eligible — and fund an HSA ($8,550 for family coverage).
High earners can use pretax non-qualified deferred compensation, a mega backdoor Roth, municipal bond interest, real estate depreciation, and bunched charitable donations.
Business owners gain additional leverage through SEP IRAs, a solo 401k, and cash-balance plans. A coordinated strategy across all your accounts can help align your investments with your overall financial goals and objectives
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
