Building & Preserving Wealth

Feast-or-Famine Income? Build a Buffer.

Real estate agents, investors, and loan officers live with lumpy, commission-based income — strong months, lean months, and an outsized tax bill when the good years hit. This education-first morning, co-hosted by Dr. Sam (Sourav) Saha and Rahul Agarwal, CPA, walks through the Corporate Buffer: a practical framework for smoothing that income, keeping more at tax time, and turning commissions into lasting net worth. No guarantees — just how the pieces fit and where to take them next.

What You'll Take Away

The Corporate Buffer, in Three Parts

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01 · Smooth the Swings

Turn lumpy commissions into steady footing.

Why commission income creates feast-or-famine stress, and how a deliberate cash-reserve strategy — paired with the right business entity — can help you plan through the lean months instead of bracing for them.

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02 · The Corporate Buffer

A reserve you can lean on.

The framework itself: how some owners layer a cash reserve, entity structure, and the cash value of permanent life insurance as one possible buffer to draw from in down years. We explain how it works and where it may fit, so you can decide with your own advisors.

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03 · Keep More, Defer More

Tax-aware moves for commission earners.

With Rahul Agarwal, CPA: entity and S-corp basics, retirement vehicles for the self-employed, and how real estate investors commonly use 1031 exchanges to defer tax — so more of what you earn compounds into net worth.

The Audience

Who This Seminar Is For

✓ Real estate agents and brokers living on commission income
✓ Real estate investors managing properties, gains, and 1031 timing
✓ Loan officers and mortgage professionals with variable pay
✓ Anyone self-employed with lumpy 1099 income and a big tax bill in good years
✓ Producers who earn well but haven't built a reserve to match

At Lithos, our mission is to create wealth for families. Through layered planning and a team of trusted professionals, we provide comprehensive insurance, wealth, tax, and real estate solutions that empower clients across the country to protect what matters today and build lasting legacies for tomorrow.

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

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Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. No cost, no purchase, no obligation. Lithos hosts this seminar as part of our commitment to financial education for commission-based professionals.

Will you try to sell me something?+

The seminar itself is educational. If you would like to talk about your own situation, you can request a complimentary one-on-one review afterward, where products and services may be discussed. It is entirely your choice, and attending creates no obligation.

Is the “Corporate Buffer” a product I have to buy?+

No — it's a framework, not a product. It describes how some owners combine a cash reserve, business structure, and certain financial tools to steady lumpy income. We explain how the pieces work so you can decide, with your own advisors, what fits. Nothing discussed is a guarantee of any result.

Who presents the tax content?+

The entity, S-corp, and 1031 portions are led by Rahul Agarwal, CPA, of Lithos Tax Advisory. The income-smoothing and wealth-building portions are led by Dr. Sam (Sourav) Saha and the Lithos advisory team.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.

Permanent life insurance involves costs, and cash value growth and loan features depend on the policy and insurer; it is not a bank account or an investment. 1031 exchange rules are strict and time-sensitive — work with a qualified intermediary and your CPA.