Find planning options you might not know to ask about.
Describe your businesses, income, family priorities, and the decision ahead. Play Builder suggests topics to investigate and questions for your CPA, attorney, or advisor. A possible option still needs professional review before you act.
Play Builder requires membership. Add your situation and goals before asking it to suggest planning topics.
Planning options
Fictional example · Avery household
What should we consider before the business sale?
Harbor Works LLC
Business ownership
Family goals
Income, giving, and the next generation
Upcoming decision
Preparing for a possible sale
Three questions before choosing a sale strategy.
What income will the family need after the sale? Is giving part of the plan? What role should the next generation have? Bring those answers into the transaction discussion.
Bring the sale timeline and family priorities to your team.
Discuss the options before choosing a strategy. This is an illustrative planning conversation.
Illustrative example. Fictional household.
From a broad situation to a short list worth discussing.
You tell us about your situation. We surface the strategies that are actually relevant. You take that list to your CPA or attorney and have a conversation that's worth having.
1.
Tell Us About You
Income, business structure, family situation, goals. Start with the information you have. Upload tax returns or financials if you want deeper analysis.
2.
We Surface What's Relevant
Not a generic list of 'things rich people do.' Strategies are filtered to your situation and framed as topics to explore with your professionals.
3.
Take It to Your Team
Each strategy comes with an explanation, the right questions to ask, and context on who it's typically for. Your CPA will appreciate the prep work.
Specific options, with the questions attached.
Each option comes with the reason it may fit, the dependencies that could change it, and the questions to bring to the professional who will advise.
1.
Concentrated Position Strategies
Single-stock concentration through equity comp or business interests. We surface the structured-unwind options worth discussing with your advisor and what the tax-aware questions look like before you decide.
2.
Asset Protection Structures
LLCs, trusts, and insurance layering can interact in ways worth reviewing. See which questions fit your situation before speaking with an attorney.
3.
Multi-Entity Coordination
When the operating company, the holding company, the trust, and personal don't move together, the cost shows up later. Play Builder surfaces the questions worth taking to the CPA and attorney before the next year-end.
Understand an option before spending time on it.
The hard part is rarely finding more ideas. It is narrowing the field, understanding the tradeoffs, and asking the right professional a specific question.
Filtered to Your Situation
Your answers help narrow the options. Missing information or a changed assumption can change which ones deserve a closer look.
A starting point for research
You could spend a weekend Googling, or you could answer a few questions and get a curated list. Your call.
The 'I Didn't Know That Existed' Moment
Cash balance plans. Captive insurance. Charitable remainder trusts. We surface strategies you didn't know to Google.
Actually Explained, Not Just Listed
Each strategy comes with the what, the why, the who-it's-for, and the questions to ask your CPA or attorney.
Confirm the current rules
Tax law changes every year. New federal and state rules can change which questions are worth bringing to your team.
Designed to Share
Export your playbook, share it with your CPA, and have a meeting that's actually productive. They'll appreciate the homework.
Turn strategy ideas into a plan
A focused short list is more valuable than a long list of ideas you never act on.
What Play Builder does
Play Builder is a discovery workflow that surfaces strategies worth discussing. It is not a substitute for professional advice or implementation.
Before your next conversation
Do you know your current income and entity structure?
Have you gathered last year's returns or financials?
Are your goals clear enough to rank trade-offs?
Do you have a CPA or attorney to implement the short list?
Can you pick the top three strategies to explore first?
Questions to bring to your professional
Which strategies match my profile and risk tolerance?
What dependencies or legal steps come first?
What documentation would you want before moving forward?
From strategy to action
Use these next steps to turn a strategy list into a real plan.
X1 Financial Tools provide educational calculations to help you analyze your financial situation. They do not constitute financial advice. Financial strategies depend on many factors including interest rates, tax implications, and personal circumstances. Consult with a qualified financial advisor before making significant financial decisions.
X1 Wealth is a financial technology company, not a registered investment advisor, CPA firm, or law firm. Our tools provide educational information and should not be construed as personalized financial, tax, or legal advice.
Find the first question worth taking to your team.
Create your account, describe the decision, and add the information needed for a useful review. Check membership access before starting a paid planning tool.
