Tax Strategy Blog
Actionable strategies for real estate investors, business owners, and high earners — written by the Roadmap Tax team.
The 60% Trap: Why Your 401(k) Alone Can't Protect Your Retirement Income
Most high earners max their 401(k) and assume they are set. The 60% trap means retirement income gets taxed at 40-60%. A tax strategist in San Diego explains how to plan around it.
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How Much to Pay Kids Tax-Free From Your Business in 2026
If you run a profitable business, hiring your child can shift income tax-free up to the standard deduction. Here's how the 2026 rules work for San Diego business owners.
When You Sell a San Diego Rental Property, a 1031 Exchange Defers the Capital Gains Tax
A 1031 exchange defers the capital gains tax when San Diego investors sell rental or commercial property. Here is how it works, plus what 2026 changes could mean.
What a Customized Tax Strategy Covers That Your Preparer Doesn't
A tax preparer files your return. A tax strategist designs your outcome before the year closes. Here's what a customized tax strategy includes for high earners.
Can You Donate Restricted Stock (RSUs) to Charity? A Tax-Smart Guide
Donate vested RSUs or restricted stock to charity, skip capital gains tax, and claim the full deduction. Covers holding periods, tax limits, transfer process.
Making the S Corp Election: A Form 2553 Walkthrough
A practical walkthrough of Form 2553, the 75-day filing window, late election relief, and what actually changes after your S corp election is approved.
RSU Tax Planning for California: 7 Strategies to Slash Your Tax Bill
RSU tax planning for California residents: the top state rate hits 13.3%. Learn 7 strategies to reduce your RSU tax burden in 2025–2026.
EA vs CPA: Which Tax Professional Should High-Income Earners Choose?
EA vs CPA — which tax pro is right for high earners and business owners? Compare training, IRS representation, and planning vs compliance filing.
You Own Rental Property. Do You Qualify as a Real Estate Professional?
The IRS real estate professional test: 750-hour rule, material participation, and how qualification determines whether cost segregation deductions offset your salary.
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