Mark & Rachel

43 and 41 years old
Owners of an E-commerce Business
Their business provides good annual income at this time but they are planning to sell it soon.
Have 3 kids at home
They want to sell their business, save on taxes, invest well, and donate in smarter way.

The Challenges

Too little time?

Mark and Rachel are too busy running their business to focus any energy on their personal finances.


They pay a lot of taxes each year, and will owe a large amount when they sell their company.

Low investment returns?

They have neglected to grow outside assets and have a large amount of cash earning low interest.

The Capita Solution

o Taxes & Donating:

Capita will work with their CPA on year end tax projections. With guidance from their CPA, we will look for opportunities of strategic charitable donations by donating appreciated assets in kind and opportunities for tax loss harvesting inside of their brokerage account.

o Crossing T's & Dotting I's:

Capita will work with the attorney to ensure all assets are titled correctly and in the proper LLC, partnership, or trust.

o Diversified Investments:

Capita will build outside assets beyond the business in brokerage accounts, private equity, and real estate to help with diversification.

o Donation Account:

Capita will help Mark & Rachel build a donor advised fund to avoid capital gains and achieve philanthropic goals.

o Tax Strategizing:

Capita will build tax strategies during the sale of their business. This will help to ensure that they save on future estate and capital gain taxes.

o Highly-Efficient Investing:

Rather than owning mutual funds, Capita will buy individual securities inside of their brokerage accounts by using money manager models. This will allow for greater overall tax efficiency and the use of cheaper direct investment models.

The Conclusion

With Mark and Rachel's busy schedule, Capita will take the time to make sure nothing is falling through the cracks. We will work to come up with a comprehensive plan to decrease taxes, donate in smarter ways, and make prudent investment decisions. Our Capita team will ensure that the sale of their business, and everything around it, is as smooth as possible. 
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