The Structure Built for High Earners — JW Tax & Consulting
Private Client Intelligence · JW Tax & Consulting
The Structure That Keeps High Earners & Pro Athletes Out of the IRS's Pocket
Whether you're running a $500K+ business or playing on a professional contract — if you don't have this structure, you're paying the IRS at the highest possible rate on every dollar you earn.
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Business Owners
$500K+ revenue
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Professional Athletes
Short window. High stakes.
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Agents & Advisors
Know what your clients need
3.3 yrs
Average NFL Career Length — Without This Structure, the Clock Is Already Running
Pro athletes and $500K+ business owners share the same problem: high income for a limited window, paying the IRS at the top rate on every dollar. The right structure changes that permanently — whether your income comes from a contract, a business, or both.
Two Paths. One Decision.
Business owner or pro athlete — where does your money sit right now?
❌ Without This Structure
Contract or business income taxed at 37% — the maximum rate
Endorsement deals, appearances, NIL income fully exposed
Personal assets exposed to lawsuits, agents, and creditors
No retained earnings strategy — money sits in the wrong entity
Career ends. Tax bill stays. Zero legacy structure in place.
VS
✦ With This Structure
Income routed through C-Corp at 21% flat — not 37% personal rate
Endorsements, NIL, and business deals in protected LLC subsidiaries
Personal wealth shielded — one lawsuit can't touch everything
Retirement funded tax-free while income is still at its peak
QSBS exclusion — up to $10M in gains, completely tax-free on exit
The Optimized Structure
Each layer protects a specific stream of income — salary, contracts, endorsements, investments
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R.O.B.S.
Fund your business with pre-tax retirement dollars — tax-free & debt-free startup capital
Funding Layer
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Shares Holding Group
Ownership isolation & appreciation shield
Equity Layer
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Shared Services LLC
Write-off engine across all business lines
Deduction Layer
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Section 1202
Up to $10M in gains — completely tax-free
Exit Layer
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C-CORP
Operating parent — retains earnings at 21% flat rate, funds owner benefits, controls all subsidiaries
Command Center
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Family Trust
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LLC — Operations
Business income or athlete services company — liability isolated
Ops
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LLC — Real Estate
Bonus depreciation & passive loss shield
Assets
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LLC — Brand & IP
NIL, endorsements & royalties at preferred rates
Brand / IP
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LLC — Investments
Capital allocation vehicle
Capital
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LLC — Venture
Risk-isolated new revenue lines
Growth
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Partners & JV
$80K–$300K
Annual Tax Savings — Business Owners & Athletes Who Structure Correctly
This is what high earners recover once every layer is working together. Not a projection. A pattern we execute repeatedly for business owners and professional athletes across Texas and Florida. Your earning window is too short to leave this on the table.
🏆 Specifically for Professional Athletes
The average NFL career is 3.3 years. NBA is 4.5. Your income window is compressed — which means the tax damage is compressed too. Every year without this structure during your playing years is six figures you can never recover. We work with athletes to build the full stack before retirement, not after.
Next Step
Find Out Which Layers Apply to Your Situation
A 30-minute strategy call reveals exactly where your structure is leaking — whether you're a business owner, a professional athlete, or both.
