For commission earners: smooth the swings, keep more at tax time, build lasting net worth.
Presented by LITHOS with Rahul Agarwal, CPA · Lithos Tax Advisory
Real estate agents, investors, and loan officers live with lumpy, commission-based income — strong months, lean months, and an outsized tax bill when the good years hit. This education-first morning, co-hosted with CPA Rahul Agarwal of Lithos Tax Advisory, walks through the Corporate Buffer: a practical framework for smoothing that income, keeping more at tax time, and turning commissions into lasting net worth. No pitch from the stage and no guarantees — just how the pieces fit and where to take them next.
Why commission income creates feast-or-famine stress, and how a deliberate cash-reserve strategy — paired with the right business entity — can help you plan through the lean months instead of bracing for them.
The framework itself: how some owners layer a cash reserve, entity structure, and the cash value of permanent life insurance as one possible buffer to draw from in down years. We explain how it works and where it fits — not sell you on it.
With Rahul Agarwal, CPA: entity and S-corp basics, retirement vehicles for the self-employed, and how real estate investors commonly use 1031 exchanges to defer tax — so more of what you earn compounds into net worth.
At Lithos, our mission is to create wealth for families. Through layered planning and a team of trusted professionals, we provide comprehensive insurance, wealth, tax, and real estate solutions that empower clients across the country to protect what matters today and build lasting legacies for tomorrow.
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