Selling a business, rental, or appreciated property in Orange County means facing federal capital gains plus California's ordinary-income rate, up to 13.3%. Here's how a local specialist helps you spread and defer it.
A plain-English guide for sellers: how a structured installment sale defers the tax when you sell a business, practice, or property — the math, the alternatives, and how to know if your deal fits.
Drop your info — instant PDF download + within 1 business day Hans will email a preliminary read on which structure fits your deal. No retainer. Carrier compensates the broker — not you.
📞 Hans Goldstein · 213-290-4977 · CA Insurance License #4322192 · Independent §453 specialist · Goldstein & Co. LLC
Orange County real estate and businesses have appreciated enormously, which is great until you sell and see the tax. Between federal capital gains (up to 20%), the 3.8% NIIT, and California taxing the entire gain as ordinary income (up to 13.3%), a single-year sale can take roughly a third of your gain. Here's how to keep more of it.
High property values and decades of appreciation mean large gains, and California gives capital gains no preferential rate. Whether you're selling a rental in Irvine, a building in Newport Beach, a business in Anaheim, or a long-held home that's now an investment property, the one-year tax stack is the same problem: too much income recognized at once.
Under IRC §453, you can receive your sale proceeds, and recognize the gain, over a schedule of future years instead of all at once. Spreading the gain keeps more of it in lower brackets, can reduce the 3.8% surtax, and provides guaranteed income backed by an A-rated carrier. It works whether you're exiting real estate, selling a business, or unwinding an appreciated position, and unlike a 1031 exchange, you don't have to buy a replacement property.
An Orange County sale is often the biggest financial event of your life. Don't let a one-year tax bill take a third of it. Run your numbers and plan the structure before you list or sign.
Federal capital gains up to 20%, plus the 3.8% NIIT, plus California tax up to 13.3% (California taxes the gain as ordinary income). On a large gain the combined bite can approach a third, which is why deferral planning matters.
Yes. A §453 structured installment sale lets you spread the proceeds and the gain over multiple years, keeping more in lower brackets, without needing to buy a replacement property like a 1031 requires.
Yes, based in Huntington Beach and working with sellers and their CPAs throughout Orange County and Southern California, including Irvine, Newport Beach, Anaheim, and surrounding areas.
It depends. A 1031 works if you want to keep owning real estate and can meet the deadlines. A structured installment sale is better if you want to exit real estate, are selling a business or stock, or can't find a replacement property.
Use the free capital gains tax calculator to estimate your number, or call 213-340-2018 to run your specific situation before you sign anything.
Before you sign anything, run your numbers with someone who structures the deal to be tax-smart and audit-ready from day one.
Call 213-340-2018 Run the Numbers →