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Stop the IRS From Confiscating 43.4% of Your Appreciated Assets - Legally Defer $1.2M+ in Capital Gains Tax


Michael Morando's Deferred Sales Trust Strategy Helps Property Investors Defer $650k+ in Capital Gains Tax - Without 1031 Exchange Headaches

35+ years serving California real estate investors

IRS Circular 230 compliant strategies

$1.2B+ in client assets protected

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  • Mayotte(+262)
  • South Africa(+27)
  • Zambia(+260)
  • Zimbabwe(+263)
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Meet Michael - The Wealth Architect

With over a decade of proven experience, Michael Morando is a financial advisor dedicated to helping high-net-worth individuals like you protect and grow their wealth.

At Tremblay Financial Services, an independent firm known for its tailored financial solutions, Michael serves as a trusted guide for those seeking to preserve their legacy and minimize tax burdens.

Michael specializes in estate planning, wealth transfer, and tax-efficient strategies designed to provide clarity and confidence for your financial future. He’s passionate about helping clients avoid the costly mistakes of leaving behind disorganized estates by crafting detailed, tax-optimized plans that reflect your dreams and values.

How Michael Can Help You Protect Your Wealth
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Tax-efficient wealth transfer structures

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Multi-generational asset protection

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1031/DST replacement property strategies

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Capital gains deferral beyond standard 180-day exchanges

The 2026 Wealth Confiscation Countdown: Why 72% of High-Net-Worth Estates Are at Risk
Current exemption: $13.99M per individual (2025)

Post-2026 exemption: ~$7M (adjusted for inflation)

Consequence: $1.2M IRS liability per $3M over exemption (40% rate)

3 Silent Threats to Your Wealth

The Hidden Cost of Capital Gains

The Trap: Capital gains taxes can swallow up to 20-25% of profits from the sale of highly appreciated assets.

Tax Ambush: A $3M property sale might face a $750k tax bill, leaving less for reinvestment or legacy building.

Deadline Risk: Rushed 1031 exchanges (180 days) can lead to non-optimal deals or missed opportunities.

Estate Tax Missteps

The Risk: Without a strategic plan, 40% of estates exceeding the exemption limit are lost to federal estate taxes.

Cost Example: A $15M estate → $3.2M federal tax liability post-2025 exemption changes.

Warning: Illiquid family assets often require fire sales, reducing their value by 30%+ to cover taxes.

 Missed Tax Deferral Opportunities

The Impact: Neglecting tools like Charitable Remainder Trusts (CRTs) or Deferred Sales Trusts (DSTs) reduces long-term wealth growth.

Lost Potential: A $5M business exit could save you over $1.5M in taxes with proper deferral strategies.

Common Pitfall: 80% of eligible donors miss leveraging CRTs, forfeiting substantial tax deductions.

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Why Delay Costs You

Every year of inaction can cost you thousands—or even millions—in preventable taxes.

This is exactly where Michael Morando’s 11+ years of expertise become indispensable.

With personalized, tax-efficient strategies, he ensures your wealth is preserved and your legacy remains intact.

Don’t leave your financial future to chance.

Start Taking Control of Your Wealth Today

Complete the form below to schedule your consultation and discover actionable strategies tailored to your financial goals.

Whether you’re looking to reduce tax burdens, optimize estate plans, or protect your wealth from hidden risks, Michael’s expertise will guide you every step of the way.

Full Name*
Phone*
  • Andorra(+376)
  • United Arab Emirates(+971)
  • Afghanistan(+93)
  • Antigua & Barbuda(+1 268)
  • Anguilla(+1 264)
  • Albania(+355)
  • Armenia(+374)
  • Angola(+244)
  • Antarctica(+8)
  • Argentina(+54)
  • Samoa (American)(+1 684)
  • Austria(+43)
  • Australia(+61)
  • Aruba(+297)
  • Åland Islands(+358 18)
  • Azerbaijan(+994)
  • Bosnia & Herzegovina(+387)
  • Barbados(+1 246)
  • Bangladesh(+880)
  • Belgium(+32)
  • Burkina Faso(+226)
  • Bulgaria(+359)
  • Bahrain(+973)
  • Burundi(+257)
  • Benin(+229)
  • St Barthelemy(+590)
  • Bermuda(+1 441)
  • Brunei(+673)
  • Bolivia(+591)
  • Caribbean NL(+599)
  • Brazil(+55)
  • Bahamas(+1 242)
  • Bhutan(+975)
  • Botswana(+267)
  • Belarus(+375)
  • Belize(+501)
  • Canada(+1)
  • Cocos (Keeling) Islands(+61)
  • Congo (Dem. Rep.)(+243)
  • Central African Rep.(+236)
  • Congo (Rep.)(+242)
  • Switzerland(+41)
  • Côte d'Ivoire(+225)
  • Cook Islands(+682)
  • Chile(+56)
  • Cameroon(+237)
  • China(+86)
  • Colombia(+57)
  • Costa Rica(+506)
  • Cuba(+53)
  • Cape Verde(+238)
  • Curaçao(+599)
  • Christmas Island(+61)
  • Cyprus(+357)
  • Czech Republic(+420)
  • Germany(+49)
  • Djibouti(+253)
  • Denmark(+45)
  • Dominica(+1 767)
  • Dominican Republic(+1 809)
  • Algeria(+213)
  • Ecuador(+593)
  • Estonia(+372)
  • Egypt(+20)
  • Western Sahara(+212)
  • Eritrea(+291)
  • Spain(+34)
  • Ethiopia(+251)
  • Finland(+358)
  • Fiji(+679)
  • Falkland Islands(+500)
  • Micronesia(+691)
  • Faroe Islands(+298)
  • France(+33)
  • Gabon(+241)
  • Britain (UK)(+44)
  • Grenada(+1 473)
  • Georgia(+995)
  • French Guiana(+594)
  • Guernsey(+44 1481)
  • Ghana(+233)
  • Gibraltar(+350)
  • Greenland(+299)
  • Gambia(+220)
  • Guinea(+224)
  • Guadeloupe(+590)
  • Equatorial Guinea(+240)
  • Greece(+30)
  • South Georgia & the South Sandwich Islands(+99)
  • Guatemala(+502)
  • Guam(+1 671)
  • Guinea-Bissau(+245)
  • Guyana(+592)
  • Hong Kong(+852)
  • Honduras(+504)
  • Croatia(+385)
  • Haiti(+509)
  • Hungary(+36)
  • Indonesia(+62)
  • Ireland(+353)
  • Israel(+972)
  • Isle of Man(+44 1624)
  • India(+91)
  • British Indian Ocean Territory(+246)
  • Iraq(+964)
  • Iran(+98)
  • Iceland(+354)
  • Italy(+39)
  • Jersey(+44 1534)
  • Jamaica(+1 876)
  • Jordan(+962)
  • Japan(+81)
  • Kenya(+254)
  • Kyrgyzstan(+996)
  • Cambodia(+855)
  • Kiribati(+686)
  • Comoros(+269)
  • St Kitts & Nevis(+1 869)
  • Korea (North)(+850)
  • Korea (South)(+82)
  • Kuwait(+965)
  • Cayman Islands(+1 345)
  • Kazakhstan(+7)
  • Laos(+856)
  • Lebanon(+961)
  • St Lucia(+1 758)
  • Liechtenstein(+423)
  • Sri Lanka(+94)
  • Liberia(+231)
  • Lesotho(+266)
  • Lithuania(+370)
  • Luxembourg(+352)
  • Latvia(+371)
  • Libya(+218)
  • Morocco(+212)
  • Monaco(+377)
  • Moldova(+373)
  • Montenegro(+382)
  • St Martin (French)(+590)
  • Madagascar(+261)
  • Marshall Islands(+692)
  • North Macedonia(+389)
  • Mali(+223)
  • Myanmar (Burma)(+95)
  • Mongolia(+976)
  • Macau(+853)
  • Northern Mariana Islands(+ 1 670)
  • Martinique(+596)
  • Mauritania(+222)
  • Montserrat(+1 664)
  • Malta(+356)
  • Mauritius(+230)
  • Maldives(+960)
  • Malawi(+265)
  • Mexico(+52)
  • Malaysia(+60)
  • Mozambique(+258)
  • Namibia(+264)
  • New Caledonia(+687)
  • Niger(+227)
  • Norfolk Island(+672)
  • Nigeria(+234)
  • Nicaragua(+505)
  • Netherlands(+31)
  • Norway(+47)
  • Nepal(+977)
  • Nauru(+674)
  • Niue(+683)
  • New Zealand(+64)
  • Oman(+968)
  • Panama(+507)
  • Peru(+51)
  • French Polynesia(+689)
  • Papua New Guinea(+675)
  • Philippines(+63)
  • Pakistan(+92)
  • Poland(+48)
  • St Pierre & Miquelon(+508)
  • Pitcairn(+870)
  • Puerto Rico(+1 787)
  • Palestine(+970)
  • Portugal(+351)
  • Palau(+680)
  • Paraguay(+595)
  • Qatar(+974)
  • Réunion(+262)
  • Romania(+40)
  • Serbia(+381)
  • Russia(+7)
  • Rwanda(+250)
  • Saudi Arabia(+966)
  • Solomon Islands(+677)
  • Seychelles(+248)
  • Sudan(+249)
  • Sweden(+46)
  • Singapore(+65)
  • St Helena(+290)
  • Slovenia(+386)
  • Svalbard & Jan Mayen(+47)
  • Slovakia(+421)
  • Sierra Leone(+232)
  • San Marino(+378)
  • Senegal(+221)
  • Somalia(+252)
  • Suriname(+597)
  • South Sudan(+211)
  • Sao Tome & Principe(+239)
  • El Salvador(+503)
  • St Maarten (Dutch)(+599)
  • Syria(+963)
  • Eswatini (Swaziland)(+268)
  • Turks & Caicos Is(+1 649)
  • Chad(+235)
  • French Southern Territories(+99)
  • Togo(+228)
  • Thailand(+66)
  • Tajikistan(+992)
  • Tokelau(+690)
  • East Timor(+670)
  • Turkmenistan(+993)
  • Tunisia(+216)
  • Tonga(+676)
  • Turkey(+90)
  • Trinidad & Tobago(+1 868)
  • Tuvalu(+688)
  • Taiwan(+886)
  • Tanzania(+255)
  • Ukraine(+380)
  • Uganda(+256)
  • US minor outlying islands(+1)
  • United States(+1)
  • Uruguay(+598)
  • Uzbekistan(+998)
  • Vatican City(+379)
  • St Vincent(+1 784)
  • Venezuela(+58)
  • Virgin Islands (UK)(+1 284)
  • Virgin Islands (US)(+1 340)
  • Vietnam(+84)
  • Vanuatu(+678)
  • Wallis & Futuna(+681)
  • Samoa (western)(+685)
  • Yemen(+967)
  • Mayotte(+262)
  • South Africa(+27)
  • Zambia(+260)
  • Zimbabwe(+263)
Please fill all the required fields!
Please accept terms and conditions to proceed

"My mission is simple—to help you protect what you’ve built, minimize unnecessary taxes, and secure a legacy that reflects your hard work and values."

—Michael Morando

 

+1 805-403-6905

michael@disinheritheirs.com

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Securities and advisory services may be offered through licensed third-party professionals or firms not affiliated with DisinheritHeirs or Michael Morando. This website is not intended to solicit or promote securities or advisory services without proper delivery of disclosures, prospectuses, and suitability reviews. Any action you take upon the information found on this website is strictly at your own risk. DisinheritHeirs and Michael Morando assume no responsibility or liability for any financial decisions or outcomes arising from the use of this site.

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