A layoff is not a crisis. It may be the best tax window the U.S. code will ever give you.

Integrated tax design for high-asset, low-AGI transition years

Who this book is for
U.S. households in their 40s–60s — layoff, semi-retirement, or self-employment transition · $1M+ net worth with AGI under $150K

Does this sound familiar?

• — Your income dropped — and no one will tell you whether this year is a threat or an opening
• — Your CPA gets every line item right, but never shows you the whole picture
• — You know about depreciation, Roth conversions, and ACA subsidies — but not how they chain together

What this book does

The six-step chain — Cost Seg → REPS → MAGI → ACA → Roth → NOL — as one flow of numbers. Audit defense, asset fortification, life after 65, and an AI operating routine, in one book.

Table of contents

1. 01 Discovering the strategic window (with self-assessment)
2. 02 The five engines (Cost Seg · REPS · ACA · Roth · NOL)
3. 03 The chain-effect map (the heart of the book)
4. 04 Exit strategy / asset fortification / IRMAA & HSA after 65
5. 05 12-month action calendar · AI automation · anonymized cases

What's included

• ✓ Ebook PDF (9 parts + appendix)
• ✓ Workbook & checklists (self-assessment · 12-month calendar · advisor question sheets)
• ✓ 2 xlsx calculators (E1 Tax Window + E1–E9 integrated)

This material is general information for educational purposes only — not tax, legal, or investment advice. Examples of tax savings or returns are illustrative and do not guarantee individual results. Review with a licensed professional (CPA, EA, or attorney) before acting.