Skip to content

Advanced Strategies for Complex Wealth

Tax-deferral and professional management for business owners and high-net-worth families.

Mitigate Capital Gains on Business & Real Estate Exits

Deferred Sales Trust

 Selling a highly appreciated asset often triggers a massive capital gains tax bill. The Deferred Sales Trust (DST) offers a flexible alternative to the rigid 1031 Exchange. By utilizing a DST, you can defer capital gains taxes upon exiting your business or real estate portfolio. This strategy converts your equity into a secured note, allowing you to generate retirement income on the pre-tax proceeds rather than the after-tax remainder.
Untitled design (2)
How It Works

Turning a Tax Bill into an Income Stream

The DST allows you to sell appreciated assets (business or real estate) without triggering an immediate capital gains tax event. It works by converting your equity into a secured note.

Step 1

The Transfer

Rather than selling directly to a buyer, the Trust purchases your property or business.

Step 2

The Sale

The Trust immediately resells the asset to the ultimate buyer. Because the Trust purchased it for the same price it sold it for, there is zero gain at the Trust level.

Step 3

The Deferral

The transaction is structured as a "seller-carry back." You receive a DST Note rather than a lump sum of cash. This defers your tax liability until you actually receive principal payments, allowing the pre-tax proceeds to be invested for retirement income.

Partnership

Provided in partnership with the Estate Planning Team.

Tax-Loss Harvesting via Custom Indices

Direct Indexing

Move beyond generic ETFs. Our Direct Indexing strategies allow you to own the individual stocks within an index. This granular ownership enables Strategic Tax-Loss Harvesting—selling specific losers to offset gains—potentially adding 1% or more to your after-tax returns.

 

KPP Financial offers four core custom indexing strategies, but we have the flexibility and expertise to tailor your portfolio to any specific preferences or objectives you may have.

KPP Global ADR SMA

Exposure to a global portfolio of stocks. 70/30 target US/International allocation.

KPP U.S. Core SMA

Broad exposure to 3,000 U.S. companies across all market caps. Covers -98% of the total U.S. equity market.

KPP U.S. Dividend Focused SMA

Focuses on large U.S. companies with strong balance sheets and dividend payments.

KPP U.S. SMD Core SMA

Offers exposure to U.S. small and mid-cap companies. Covers about 22% of the total U.S. equity market. 

Customization

Unprecedented flexibility to exclude specific sectors or align your portfolio with ESG (Environmental, Social, Governance) principles.

Professional Management for Your 401(k)

Employer Plan Management

Your workplace retirement plan (401k, 403b, or TSP) is likely one of your largest assets, yet it often lacks active oversight. Through our partnership with Pontera, KPP Financial can provide Professional 401(k) Management without moving the funds.

Professional Management. Zero Disruption.

You keep your current login and custodian. We gain the ability to analyze, rebalance, and trade on your behalf, ensuring your workplace savings align with your broader retirement roadmap. Studies show professional management can generate, on average, 3% better performance annually.

Choose Your Path

Complexity Requires Conversation.

These strategies require precise execution. Select the path that matches your current financial priority to connect with our leadership team.

For Tax & Portfolio Customization

Ready to build a personalized index or offset capital gains? Start with a comprehensive review of your current holdings.

GET MY FREE REVIEW

For Business & Real Estate Sellers

Selling a highly appreciated asset? Determine if a DST can defer your capital gains taxes before you close on your deal.

DST Form

For Workplace Retirement Plans

Need professional management for your 401(k) or 403(b)? Connect your account securely through our Pontera partnership.

Connect Your 401(k)