How Attorney feeSaver™ Can Help Plaintiff Attorneys Eliminate Their Income Taxes

Introduction

If you're a plaintiff attorney receiving six or seven figures from contingency fees each year, you already know the pain of tax season. After pouring months—or even years—into winning a big case, it can be disheartening to see 30%, 40%, or even 50% or more of your hard-earned fees vanish to taxes. But what if there was a proven strategy that could help you eliminate those taxes… not just now, but later and forever?

That’s exactly what the Attorney feeSaver™ program was designed to do.

The Tax Problem Plaintiff Attorneys Face

Contingency fee work means big wins can come with big tax consequences. One large settlement can spike your income and push you into the highest tax brackets—federal, state, and even Medicare surtaxes. Traditional tax-advantaged tools like IRAs, 401(k)s, or SEPs often fall short for attorneys earning $500,000+ per year. Why?

• They cap your contributions.
• They force required minimum distributions (RMDs).
• They often require employer contributions for staff.
• They don’t allow early withdrawals without penalties.

Bottom line? These strategies might delay your taxes—but they don’t eliminate them.

Traditional Solutions… and Their Limitations

Attorney Fee Deferrals

Deferrals are a solid option. You can delay paying taxes on your fees by spreading income over time—often through structured settlements. Benefits include:

• Immediate tax deferral
• No income spike
• No contribution limits

But the downsides? Eventually, distributions are taxed as regular income. No death benefit. And the payout schedules can be inflexible.

Executive Benefit Plans

These plans (often used by Fortune 500 companies) provide tax-free benefits to key employees via life insurance. Benefits include:

• Tax-free income
• Tax-free death benefit for heirs

But they don’t allow you to defer current income. You still owe taxes now, and there are no deductions for your firm.

For a complete overview of attorney fee deferral strategies and their tax implications, see our comprehensive guide.

Introducing Attorney feeSaver™: The Best of Both Worlds

Attorney feeSaver™ combines the fee deferral strategy and the executive benefit plan into a single, powerful tax-elimination tool—built specifically for plaintiff attorneys.

Here’s how it works:

1. Years 1–10 (Accumulation Phase):
   You defer your legal fees and use your deferred fees (or regular business income) to fund your executive benefit plan.
   
2. Years 10+ (Distribution Phase):
   You receive tax-free income from the life insurance policy—structured as policy loans. You also gain a substantial tax-free death benefit for your family.

What this means:

• No taxes today.
• No taxes later.
• No taxes ever.

How Attorney feeSaver™ Eliminates Income Taxes

Now: You defer your fees into the program, which means zero income tax in the current year.

Later: As the investments inside the life insurance policy grow, there’s no taxation on gains.

Forever: Distributions are taken as policy loans, which are never taxable. Even the death benefit passes to your family tax-free.

Case Study Examples

Case #1: 40-Year-Old Attorney

• $100,000 deferred annually for 10 years
• Starts receiving income at age 55
• Receives $8.2M tax-free income
• Leaves $10.1M tax-free to heirs

Case #2: 50-Year-Old Attorney

• $150,000 deferred annually
• Starts income at 62
• $7.1M in tax-free income
• $5.7M tax-free death benefit

Case #3: 60-Year-Old Attorney

• $200,000 deferred annually
• Starts income at 70
• $5.4M in tax-free income
• $2.2M death benefit
  

In each case, Attorney feeSaver outperforms every traditional option—often by 3x to 6x—and with zero or minimal tax liability.

NOTE: Case studies assume historical rates of return; actual results may vary and future performance is not guaranteed. Planned or projected outcomes are estimates only and depend on market conditions, policy performance, underwriting, and your individual circumstances. This material is for illustrative purposes and does not constitute tax, legal, or investment advice. Consult your own qualified advisors before implementing any strategy.

Who Qualifies for Attorney feeSaver™?

To be eligible, you must:

• Earn approximately $500,000 per year or more
• Have a net worth of approximately $1M or more
• Be an equity owner in your firm
• Be in relatively good health (you must qualify for life insurance)

Not a fit? No worries—there are still excellent options available for plaintiff attorneys, such as the aforementioned attorney fee deferrals. But if you do qualify for Attorney feeSaver™, this strategy is likely the most powerful tax planning tool available to you.

Additional Benefits Beyond Tax Elimination

• No ERISA restrictions (no forced distributions or employee mandates)
  
• Start your retirement income early, without penalties
  
• Complete flexibility in when and how you access income
  
• Protection for your family and firm through the built-in death benefit
  
• Control over your financial future, regardless of future tax law changes
  

Follow fee deferral best practices to maximize your long-term wealth accumulation.

Why Haven’t You Heard of This Before?

Each component of Attorney feeSaver™ has been around for decades. But combining them in this way is both innovative and exclusive. Because of the program’s complexity and eligibility requirements, it’s only shared with qualified attorneys—and only after signing a mutual NDA.

Getting Started Is Simple

Here’s how it works:

1. Create Your Plan
   Our team works with you to design a fully customized Attorney feeSaver strategy.
   
2. Grow Tax-Free
   Let your fees compound over the accumulation period—no taxes, no stress.
   
3. Enjoy Life-Changing Results
   Receive tax-free income for life and leave a legacy that’s untouched by the IRS.

Explore use cases for deferring contingent legal fees to see unique applications of this strategy.

Final Thoughts

You’ve worked hard for your fees—don’t lose the lion's share to taxes.

Attorney feeSaver™ allows you to redirect those dollars into your wealth, your freedom, and your future.

Stop losing fees to taxes. Start earning tax-free—forever.

Want to see how this would work for your numbers? Book a call with our team by clicking the button below, or check out our attorney fee deferral services for more.