StructuredSales.org
Login Register
Structured Installment Sales

Sell smarter. Maximize your wealth.

Turn a large tax hit into a long-term, tax-deferred investment. Spread your payments over time and keep more of what you earned.

Get Your Free Assessment Try the Calculator
Tax Deferral
Defer capital gains taxes by spreading recognition over many years. Stay in lower tax brackets each year instead of one massive hit.
Safe & Secure
IRS compliant under IRC Section 453. Guaranteed payments backed by AM Best A++ rated insurance carriers.
Assets Covered
Businesses, commercial real estate, primary residences, mineral bonuses, and more are all eligible.
Tax Calculator

Run your own numbers

Enter your sale details to instantly compare lump sum vs. structured installment sale tax outcomes.

Connect with a team member

Lump Sum

Total post tax
$0
Effective Tax Rate: 0%
Marginal: 0%
Capital Gain: $0
Interest: $0
Federal Tax: $0
NIIT (3.8%): $0
State Tax: $0
TAX PAID: $0

Structured Sale

Total post tax
$0
Effective Tax Rate: 0%
Marginal: 0%
Capital Gain: $0
Interest: $0
Federal Tax: $0
NIIT (3.8%): $0
State Tax: $0
TAX PAID: $0
Lump Sum
Net Gain
Federal Tax
State Tax
NIIT (3.8%)
Structured Sale
Net Gain
Federal Tax
State Tax
NIIT (3.8%)
Per Year
Calculated using 2026 Federal Capital Gains Rates This calculator is for demonstration purposes only.
How It Works

Step by Step

Get a sneak peek into the process. It is not complicated, but it takes diligence and time.

Qualify
Consultation
Strategy
Closing

Qualify

  • Take a 60 second quiz.
  • Ensure you are eligible under IRC Section 453.

Free consultation

  • A quick call to understand goals, timelines, and concerns.
  • See if any Structured Installment Sale variation is the right fit for you.
  • Get connected with expert help such as tax or legal when needed.

Strategy selection

  • Figure out which product fits your goals best.
  • Fixed, variable, trusts, annuity, treasuries, and more.

Document Introduction/Setup

  • Notify all parties of the seller's structured sale preference (no added cost for buyer or seller).
  • Sign some dotted lines.
  • Enjoy a successful close.
Your structured sale journey
Why It Works

Preserve your wealth

Structured Installment Sales let you sell an asset and spread the payments over time instead of taking one big lump sum, which can significantly reduce your tax burden.

Carrier Strength
AM Best A++
Principal Invested
100% Pre-tax
Support
24/7
Market Options
Fixed or Indexed
Visual Comparison

See the difference

Compare the after-tax outcome of a lump-sum sale against a structured installment sale side by side.