<h1 id="4cac4039-6517-42b8-a0cb-131605ee315f" data-toc-id="4cac4039-6517-42b8-a0cb-131605ee315f" style="font-size: 32px; font-weight: 600; line-height: 1.2;">Dr. Faisal Sami’s Asset Protection and Tax Efficiency Roadmap</h1>Framework — with Physician-Specific Enhancements“The IRS is not your financial planner. Your CPA is not your quarterback. You need a coordinated system — and this is mine.” — Dr. Faisal Sami<hr><h2 id="e2475497-3d64-4da4-bdaa-9aaaf04184c1" data-toc-id="e2475497-3d64-4da4-bdaa-9aaaf04184c1" style="font-size: 24px; font-weight: 600; line-height: 1.2;">Introduction</h2>Most high-income professionals — especially doctors — think asset protection means just “buying insurance” or “putting everything into an LLC.”But that’s like wearing a lab coat and calling yourself a surgeon.A true asset protection and tax strategy must be comprehensive, layered, and integrated across income streams — not just for protection, but for long-term compounding and legacy building.This roadmap, inspired by the legendary framework of tax attorney and CPA Mark J. Kohler, has been adapted and restructured by Dr. Faisal Sami for high-earning professionals who need both tax savings and bulletproof protection.Use the chart below (screenshot attached) as your visual navigation system, and the explanations that follow as your implementation checklist.<hr><h3 id="504a260b-1c19-4ab3-b717-f509447b5857" data-toc-id="504a260b-1c19-4ab3-b717-f509447b5857" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Phase 1: Ordinary Income Structuring</h3>Reduce Self-Employment Tax. Build Deductible Infrastructure.W-2 Job (Day Job)<ul><li>No deductions. High taxes. No control.</li><li>Use it as seed capital, not your forever income.</li></ul>Side Hustle / 1099 Income<ul><li>Create XYZ, LLC (taxed as Sole Prop or S-Corp at the right time).</li><li>Route all 1099 consulting, moonlighting, expert witness, or course income through this entity.</li><li>Hire your spouse and children legally. Pay through W-2 or 1099.</li><li>Deduct:<ul><li>Home office</li><li>Auto</li><li>Cell phone</li><li>Equipment</li><li>Travel, CME</li><li>Pre-tax HRA for family medical expenses</li></ul></li></ul>Full-Time Business (If applicable)<ul><li>Form ABC Enterprises, Inc. as an S-Corp.</li><li>Pay yourself a reasonable salary.</li><li>Take remaining profit as distributions — no self-employment tax.</li><li>Establish Top 10 write-off system and expense tracking protocol.</li><li>Coordinate with payroll, bookkeeping, and retirement plan provider.</li></ul><hr><h4 id="3bf9f881-e84b-41a6-8f70-cd5b8fa1339a" data-toc-id="3bf9f881-e84b-41a6-8f70-cd5b8fa1339a" style="font-size: 18px; font-weight: 600; line-height: 1.2;">Phase 2: Pre-Tax &amp; Tax-Free Wealth Building</h4>Multiply cash flow and eliminate income tax legally.Retirement Planning Entities<ul><li>Use Solo 401(k) if you control the company.</li><li>Add Group 401(k) or Defined Benefit Plan for higher contributions.</li><li>Pair with HSA (Health Savings Account) for triple tax savings.</li><li>If W-2: use Day Job 401(k) to the max.</li></ul>Self-Directed Retirement Tools<ul><li>Set up XYZ, LLC (IRA/LLC) to hold your investments inside retirement accounts.</li><li>Invest in:<ul><li>Real estate</li><li>Syndications</li><li>Crypto</li><li>Private equity</li><li>Gold</li><li>Notes</li><li>Businesses</li></ul></li><li>Use Roth conversions over time to move into tax-free buckets.</li></ul>Roth Buckets for Legacy<ul><li>Fund Roth IRAs for kids and spouse (if they earn income from your business).</li><li>Set up Roth 401(k) options inside employer plan or Solo K.</li></ul><hr><h5 id="0f4ac34b-4ff0-45df-8a82-8d7ab63a6207" data-toc-id="0f4ac34b-4ff0-45df-8a82-8d7ab63a6207" style="font-size: 16px; font-weight: 600; line-height: 1.2;">Phase 3: Real Estate &amp; Passive Income Structuring</h5>Shield assets. Harvest depreciation. Build legacy.Real Estate Ownership Entities<ul><li>Use ABC Holdings I, LLC (SMLLC) to own rental properties.</li><li>Taxed as Schedule E — great for passive income + depreciation.</li><li>Cost segregation + bonus depreciation = major front-end tax savings.</li></ul>Real Estate Partnership Entities<ul><li>Use ABC Holdings II, LLC (Partnership LLC) for deals with partners.</li><li>File separate 1065 return. Maintain equity splits, duties, and profits cleanly.</li><li>May convert to S-Corp for active-flipping operations.</li></ul>Real Estate Professional Status (REP)<ul><li>If your spouse can qualify as REP (750+ hours, material participation), you can offset W-2 income with depreciation losses.</li><li>Game changer for tax.</li></ul>Passive Losses Bucket<ul><li>Passive income from real estate offsets passive losses (from depreciation or failed businesses).</li><li>Maintain proper books to document and leverage.</li></ul><hr><h5 id="776d0f53-3801-49e8-9d95-d98b984bdcd2" data-toc-id="776d0f53-3801-49e8-9d95-d98b984bdcd2" style="font-size: 16px; font-weight: 600; line-height: 1.2;">Phase 4: Asset Protection &amp; Legacy Trusts</h5>It’s not just what you earn. It’s what you keep and protect.Revocable Living Trust (RLT)<ul><li>All entities, accounts, and real estate should be titled or assigned to your XYZ Family Living Trust.</li><li>No probate. Smooth succession. Legal control of assets during incapacity.</li></ul>Charitable Remainder Trust (CRT)<ul><li>Used during liquidity events (business or real estate sales).</li><li>Convert taxable income into tax-deferred income for life.</li><li>Reduce taxable estate while funding causes you care about.</li></ul>Domestic Asset Protection Trust (DAPT)<ul><li>If applicable in your state, this is the highest level of personal protection.</li><li>Used for shielding personal homes, savings, or high-liability assets from future creditors or lawsuits.</li></ul><hr><h5 id="88035ad2-789b-4c04-a7d2-cf619dc844f3" data-toc-id="88035ad2-789b-4c04-a7d2-cf619dc844f3" style="font-size: 16px; font-weight: 600; line-height: 1.2;">Phase 5: Wealth Integration &amp; Lifestyle Infrastructure</h5>Build the lifestyle — without the tax drag.Life Insurance<ul><li>Use cash-value insurance (whole life, IUL) to build tax-deferred investment accounts.</li><li>Structure through an ILIT (irrevocable life insurance trust) for estate protection.</li></ul>Investment Accounts<ul><li>After tax-free buckets are full, fund brokerage accounts.</li><li>Use tax-loss harvesting, muni bonds, or long-term capital gain strategies.</li></ul>“Toys” &amp; Lifestyle Assets<ul><li>RVs, boats, planes, luxury autos — purchase through appropriate LLCs.</li><li>Use for business, education, or marketing purposes when possible.</li><li>Deduct proportionally. Protect separately.</li></ul><hr><h5 id="52d2907e-93ab-438d-807c-6e1ccc22055a" data-toc-id="52d2907e-93ab-438d-807c-6e1ccc22055a" style="font-size: 16px; font-weight: 600; line-height: 1.2;">Conclusion</h5>This isn’t a template. It’s a system. Most people set up one LLC and think they’re done. That’s like putting on a helmet and thinking you’re ready for surgery.Dr. Faisal Sami’s Asset Protection &amp; Tax Efficiency Roadmap ensures that:<ul><li>Your income is structured correctly</li><li>Your investments are tax-optimized</li><li>Your family is protected</li><li>Your assets are insulated</li><li>Your future is planned</li></ul>And it's all coordinated through a Virtual Family Office — with Financial Quarterbacks doing the heavy lifting.

Dr. Faisal Sami’s Asset Protection and Tax Efficiency Roadmap

Phase 2: Pre-Tax & Tax-Free Wealth Building

Phase 3: Real Estate & Passive Income Structuring

Phase 4: Asset Protection & Legacy Trusts

Phase 5: Wealth Integration & Lifestyle Infrastructure

Learn how to grow and scale your online course business using our online course platform. EzyCourse blog is designed to teach you how to create and sell online courses.

Dr. Faisal Sami’s Asset Protection and Tax Efficiency Roadmap

Dr. Faisal Sami’s Asset Protection and Tax Efficiency Roadmap

Related Posts