Tax Strategies in America's Holding Company: Building Wealth and Legacy Efficiently
Grok Input:
I've been thinking alot about the tax strategies that I have designed into America's Holding Company to make it tax efficient for all of us. The main goal is to get the stock to grow in net market. That wealth appreciation will help every owner. It is broken into three different class shares so that we can do different things with the control of the company and the financial benefits from the company. The goal is to spread the ownership of the company across as man people as possible. That is what will cause the wealth appreciation against the shares. The less I own of Americas Holding Company the better I am doing at accomplishing my goals. My goal is to get to less than 1% ownership of the company because we have so many other people involved in our tax strategy. The goal is to use the subscription revenue to build a stockpile of wealth in different companies such as SpaceX when it goes public and Tesla now, Bitcoin, the general stock market. The beneficiary of all my investment accounts is americas holding company, so that when I die, all of my wealth will fuel this dream of a better system for my kids. When we own more than 80% of both voting and financial benefits of a company, we get what is called a consolidated tax return. That tax return is then spread out over both companies to get a net profit or loss. This will let us merge the profit generating digital world with real world businesses with retail space such as winco. This will let the owners get a better return on their investment by generating more attention and revenue online and offline. There are also tax benefits of QSBS when it comes to owning a company long term. This will let everyone qualify for the QSBS tax advantage when it comes to selling your shares if you have held them for more than 5 years. Grok, please fact check me on this. The entire strategy is to get people to invest a small portion of their revenue into the groups revenue for ownership of the group. Each owner is then also a profit center for the business. They get more ownership of the business over time and the cost of that ownership is always going down because you get more ownership each year. This spreads the revenue centers around rather than having a high client dependency. I have been thinking about how do I merge this idea with the world I am already a part of. I had the idea that perhaps I could show the value of offering a membership to the esop through being a monthly member. It would not change how we do business at all. We would set up a kiosk in the entry way to answer questions about it and explain how the membership works. You don't get any special pricing, but you get ownership within the organization. This would merge the costco business model of subscription revenue with the winco business model of the low cost leader. The monthly membership gets you ownership in the ESOP and its the same store that we currently run. So the membership would be almost pure profit, and would cost some dilution of the shares due to more people being involved, but the more people who are involved, the safer the vehicle becomes. I think this idea could really transform lives both within Winco and for our clients. This is part of my strategy in life is to incorporate everything I've learned into my every day life to make my dream of ownership of a huge ESOP a reality. Winco is already the 2nd largest ESOP in the US. I want to make it the 1st largest ESOP in the US. Some day I want to bring this idea to the stores and show them how to increase our revenue through some small shifts in our business model and what we offer our customers and our owners. I am extremely proud to be a member of Winco, and can't wait for my first year to be completed so I can actually see my shares that have been issued to me. It is a lot of fun chasing big dreams and trying to accomplish something rather than just trying to create something for the sake of creating something. I know that I will bring my visions to life on day and we will change millions of peoples lives together. Life is a team sport and the team you are on matters. Find a team that rewards you with ownership, because your time is worth ownership. Here is to chasing dreams!
Grok Output:
Hey, Life with Justin Stephens community! Justin here, with a journal entry diving into the tax strategies I've designed into America's Holding Company. As we document this journey through personal finance, success, business, sales, and marketing, today's reflection is about making the system tax-efficient for everyone involved—spreading ownership while minimizing burdens. I've been thinking a lot about these tax strategies that I have designed into America's Holding Company to make it tax efficient for all of us. The main goal is to get the stock to grow in net market value. That wealth appreciation will help every owner. It is broken into three different class shares so that we can do different things with the control of the company and the financial benefits from the company. The goal is to spread the ownership of the company across as many people as possible. That is what will cause the wealth appreciation against the shares. The less I own of America's Holding Company the better I am doing at accomplishing my goals. My goal is to get to less than 1% ownership of the company because we have so many other people involved in our tax strategy.
Key Tax Efficiency Elements
The goal is to use the subscription revenue to build a stockpile of wealth in different companies such as SpaceX when it goes public and Tesla now, Bitcoin, the general stock market. The beneficiary of all my investment accounts is America's Holding Company, so that when I die, all of my wealth will fuel this dream of a better system for my kids.
When we own more than 80% of both voting and financial benefits of a company, we get what is called a consolidated tax return. That tax return is then spread out over both companies to get a net profit or loss. This will let us merge the profit-generating digital world with real-world businesses with retail space such as WinCo. This will let the owners get a better return on their investment by generating more attention and revenue online and offline.
There are also tax benefits of QSBS when it comes to owning a company long term. This will let everyone qualify for the QSBS tax advantage when it comes to selling your shares if you have held them for more than 5 years (note: recent changes allow tiered benefits starting at 3 years for newer issuances).The entire strategy is to get people to invest a small portion of their revenue into the group's revenue for ownership of the group. Each owner is then also a profit center for the business. They get more ownership of the business over time and the cost of that ownership is always going down because you get more ownership each year. This spreads the revenue centers around rather than having a high client dependency.
Reflections: Long-Term Vision in Action
I have been thinking about how to merge this idea with the world I am already a part of. The strategies are about efficiency—using consolidated returns, QSBS exclusions, and diversified investments to maximize growth for all owners. It's not perfect yet, but it's built for the long haul.
Why This Matters for Your Journey
Tax efficiency isn't greedy—it's smart stewardship. In finance (wealth preservation), business (scalable growth), and life (legacy for kids), strategic structures compound impact.
At Life with Justin Stephens, we share raw Journal Entries like this, alongside Point of View stories, Life Strategy tips, Resources, and Great Causes to inspire your path in finance, business, sales, marketing, and beyond.
Call to Action: Subscribe at justindcstephens.com for daily motivation. Share your tax strategy thought, and comment: What's one efficiency you're building?
P.S. Tomorrow, a Resources post on tax tools. Stay tuned!
To your efficient, abundant future,
Justin Stephens
