Preserve, Optimize, and Grow: Elite Tax Advisory for High-Net-Worth Businesses
Managing substantial wealth isn’t easy. With complex regulations, international operations, and ever-changing tax laws, keeping more of your hard-earned wealth requires strategic action. At Pearl Lemon Accountants, we specialize in tax advisory services for high-net-worth businesses, delivering solutions that are as sophisticated as your financial portfolio.
Whether you’re running an international conglomerate, managing family office structures, or balancing multi-entity businesses, we’re here to help you reduce taxes, keep your wealth intact, and build a lasting legacy.
You’ve worked hard to get where you are. It’s time to make sure your wealth continues to grow, without unnecessary tax headaches getting in the way.
Why High-Net-Worth Businesses Need Specialized Tax Advisory
High-net-worth businesses face challenges that are unique to your world. Generalist advisors don’t understand the intricacies of multi-entity tax filings, international operations, and complex business structures. A misplaced decision can cost you millions in lost opportunities, or worse, penalties.
So, what exactly do we do for you?
We work through your specific problems—from tax code complexities to succession plans—to find the right approach. This means your tax advisory is strategically integrated into every part of your business. Whether it’s reducing estate taxes for a family business, navigating the intricacies of OECD compliance, or minimizing the fallout from capital gains, we’re here to make sure you don’t get caught off guard.
Example Situation:
Problem: A high-net-worth family business was at risk of incurring double taxation due to improper international tax planning.
Solution: We set up a transfer pricing policy compliant with OECD guidelines, restructured the business’s foreign income sources, and eliminated unnecessary taxes, saving the family over $3 million in the first year alone.
Core Services: Let’s Address Your Tax Problems—Directly
We tackle your most pressing tax issues head-on, offering precise solutions that preserve wealth, reduce liabilities, and ensure long-term financial security.
Strategic Tax Planning & Mitigation
Are you leaving money on the table? It’s not just about reducing taxes—it’s about being smart with every financial move.
Our tax planning starts by finding the cracks in your current structure. We look for tax breaks you haven’t considered, deductions you haven’t claimed, and credits you’re overlooking. Whether it’s using Section 1202 Qualified Small Business Stock exclusions to avoid paying capital gains or conducting a Cost Segregation Study on your real estate investments to free up cash flow, every part of your business gets a thorough tax assessment.
Example Situation:
Problem: A real estate developer was burdened with a hefty $2 million capital gains tax bill after selling properties.
Solution: We applied the 1031 exchange strategy and placed those proceeds into a tax-advantaged Opportunity Zone investment. Result: Deferred taxes for 10+ years, and the client saved nearly $1.8 million in taxes right off the bat.
Cross-Border Tax Optimization
If your business spans multiple countries, you’re dealing with a complex web of tax jurisdictions. Getting caught in double taxation, CFC rules, or failing to file under FATCA can cost you—big time.
That’s where we come in. We make sure your international operations are aligned with the right tax treaties, transfer pricing laws, and foreign tax credits. You won’t be blindsided by unexpected liabilities or penalties.
Example Situation:
Problem: A tech company with operations in 5 countries was paying unnecessary foreign withholding taxes on its international revenue.
Solution: We restructured the company’s international tax filings and leveraged tax treaty benefits. Result: Reduced foreign tax liabilities by 22%, saving the company hundreds of thousands of dollars in taxes annually.
Business Succession Planning
The reality is this: without a solid succession plan, your wealth won’t be around to pass on to the next generation. In the blink of an eye, taxes can eat away at your family’s fortune.
We make sure you have the right tools in place to protect your family’s wealth for the long run. Whether it’s using a Family Limited Partnership (FLP) to hold business assets or setting up ESOPs to facilitate tax-advantaged ownership transfers, we’ve got you covered.
Example Situation:
Problem: A $500M family-owned business was heading toward a major estate tax hit—up to 45% of the total value of the estate.
Solution: We designed a FLP, structured lifetime gifts to avoid estate taxes, and implemented a grantor retained annuity trust (GRAT). The result? We reduced estate taxes by $200M, preserving the family’s wealth and securing their future.
Estate & Wealth Transfer Advisory
Let’s face it: estate taxes can be brutal if you haven’t planned properly. Whether you’re passing on assets to heirs or structuring charitable donations, getting your estate planning right is critical for keeping your wealth intact.
We specialize in advanced wealth transfer strategies, including Dynasty Trusts, Generation-Skipping Trusts, and Charitable Lead Annuity Trusts (CLATs). The goal is simple: keep the IRS’s hands out of your family’s pocket and ensure that future generations benefit from your hard work.
Example Situation:
Problem: A high-net-worth client faced a massive $30 million estate tax on a $100M estate, threatening their legacy.
Solution: We set up an Irrevocable Life Insurance Trust (ILIT) to take the insurance proceeds out of the taxable estate and leveraged discounted shares in a closely held business to reduce taxable value. Result: Reduced estate taxes by 70%, saving $21 million in taxes.
The Issues We Solve for You
High-net-worth businesses face complex tax challenges that can undermine wealth and growth. Our job is to identify and fix these issues, providing you with tailored solutions that protect your assets and maximize your financial potential.
Challenge 1: Multi-Jurisdictional Taxes
If you operate in multiple countries, there’s a constant worry about being taxed in more than one jurisdiction.
Our Approach: We structure international income streams to reduce double taxation by utilizing bilateral tax treaties and foreign tax credits. This helps ensure that your taxes are kept as low as legally possible across borders.
Results: Clients typically save 20% to 30% in taxes by making sure their cross-border operations are optimized.
Challenge 2: Inherited Wealth and Succession Planning
Without proper planning, your wealth could be gutted by estate taxes, creditors, and inefficient transfer methods.
Our Approach: Using tools like Dynasty Trusts, QPRTs, and annual gift exclusions, we craft a solid strategy for wealth transfer that cuts down on unnecessary taxes while ensuring that your family retains the bulk of your estate.
Results: Typical savings can range from $5M to $50M in estate taxes, depending on the structure and assets involved.
Challenge 3: Capital Gains Taxes on Real Estate
Capital gains taxes can sting, especially on large real estate portfolios.
Our Approach: Through Cost Segregation Studies and 1031 exchanges, we help you defer taxes and reinvest your capital in a tax-efficient manner.
Results: Clients often save millions by deferring taxes and reinvesting in new properties, without losing momentum on their investments.
FAQs: Answering Your Toughest Tax Questions
The biggest risk is non-compliance—whether it’s failing to report income properly, missing tax credits, or poor estate planning. Mistakes in these areas can lead to penalties, interest, and missed opportunities.
We utilize tax treaties, ensure foreign tax credits are applied, and help you structure income streams efficiently across jurisdictions.
A Dynasty Trust is a long-term, irrevocable trust that helps preserve wealth across multiple generations while minimizing estate taxes. It’s designed to protect your wealth from creditors, divorces, and other risks, allowing it to grow without being taxed by the estate.
We ensure that all inter-company transactions are structured with appropriate transfer pricing policies, align tax filings for every entity, and make sure that all deductions and credits are fully utilized to reduce liabilities.
Ready to Make Smart Tax Moves?
Don’t let your wealth slip away due to missed opportunities or poor planning. At Pearl Lemon Accountants, we don’t just offer advice—we deliver strategic tax solutions that secure your business and personal wealth for the future.
We’re here to make sure every decision you make is the right one.
