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REFER A CASE

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REFER A CASE

Structured

Installment Sales

sell today, plan for tomorrow

A large sale can create a large tax event. A Structured Installment Sale lets you defer taxable gain while receiving payments over time on a schedule established upfront.
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The benefits

Spread the proceeds. Spread the tax impact.

Spread the proceeds. Spread the tax impact.

Clients receive what they need at closing and structure the rest over time, potentially spreading taxable gain across multiple years instead of recognizing it all at once. 

Clients receive what they need at closing and structure the rest over time, potentially spreading taxable gain across multiple years instead of recognizing it all at once. 

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BECOME A SUCCESS STORY

You built a strong, vibrant business. Take more of that hard work with you.

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Choosing the SIS Strategy

The majority of our clients are small business owners selling closely held companies ($5M–$50M). The program is ideally suited for commercial real estate, investment property/land owners, small businesses, or professional practices.

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The Variables

Why sellers
choose to structure

Why sellers
choose to structure

01

Defer recognition

of taxable gain as payments are received.

02

Provide a larger asset base

through tax efficiency upon which to plan retirement

03

Turn sale proceeds

into predictable future income.

04

Customize payment timing

around future financial needs.

05

Provide for beneficiaries

through periodic payments that will be paid to the Estate after the death of the Seller.

Key requirements

How a structured installment sale works

How a structured installment sale works

01
Compliance
Installment agreement must comply with IRC 453.
02
Terms & Timing
Payment amounts and timing are established at time of sale.
03
Assignment
The buyer's payment obligation is transferred to an assignment company.
04
Administration
The assignment company funds the structure and facilitates payments.

Are you planning a sale?

FAQS

Frequently Asked + Answered

How does Prospera expand traditional settlement options?

Prospera adds market-based solutions to the traditional settlement toolkit. Cash, guaranteed annuity payments, and market-based structures can be blended to address immediate needs, provide predictable income, and create long-term growth potential.

How established are market-based structures?

Market-based structured settlements are built on the same established periodic payment framework used in traditional structured settlements. Prospera combines that framework with diversified investment options from leading asset managers, bringing familiar long-term investment principles to settlement planning.

What about market risk?

Market-based investments involve risk, which is why time horizon and diversification matter. Prospera can blend guaranteed annuity payments for near-term needs with diversified, market-based investments positioned for longer-term growth. This allows the market-based portion to remain invested over a longer horizon, helping manage short-term market volatility while creating greater growth potential over time.

Can I combine this with a traditional annuity?

Yes. Prospera can blend guaranteed annuity payments with market-based investments to address different needs over time. Annuities can provide predictable income for near-term needs, while the market-based portion can remain invested for longer-term growth potential. Together, they create a more flexible approach tailored to the individual settlement.

What happens to my funds if something happens to Prospera?

The structure is designed for long-term continuity. Assets are held by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.

Does Prospera work with my settlement consultant or broker?

Yes. Prospera works through the settlement professionals you already rely on, not around them. Our solutions expand the options available to your consultant, giving them more ways to build a settlement strategy around your immediate and long-term needs.

FAQS

Frequently Asked + Answered

How does Prospera expand traditional settlement options?

Prospera adds market-based solutions to the traditional settlement toolkit. Cash, guaranteed annuity payments, and market-based structures can be blended to address immediate needs, provide predictable income, and create long-term growth potential.

How established are market-based structures?

Market-based structured settlements are built on the same established periodic payment framework used in traditional structured settlements. Prospera combines that framework with diversified investment options from leading asset managers, bringing familiar long-term investment principles to settlement planning.

What about market risk?

Market-based investments involve risk, which is why time horizon and diversification matter. Prospera can blend guaranteed annuity payments for near-term needs with diversified, market-based investments positioned for longer-term growth. This allows the market-based portion to remain invested over a longer horizon, helping manage short-term market volatility while creating greater growth potential over time.

Can I combine this with a traditional annuity?

Yes. Prospera can blend guaranteed annuity payments with market-based investments to address different needs over time. Annuities can provide predictable income for near-term needs, while the market-based portion can remain invested for longer-term growth potential. Together, they create a more flexible approach tailored to the individual settlement.

What happens to my funds if something happens to Prospera?

The structure is designed for long-term continuity. Assets are held by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.

Does Prospera work with my settlement consultant or broker?

Yes. Prospera works through the settlement professionals you already rely on, not around them. Our solutions expand the options available to your consultant, giving them more ways to build a settlement strategy around your immediate and long-term needs.

FAQS

Frequently Asked + Answered

How does Prospera expand traditional settlement options?

Prospera adds market-based solutions to the traditional settlement toolkit. Cash, guaranteed annuity payments, and market-based structures can be blended to address immediate needs, provide predictable income, and create long-term growth potential.

How established are market-based structures?

Market-based structured settlements are built on the same established periodic payment framework used in traditional structured settlements. Prospera combines that framework with diversified investment options from leading asset managers, bringing familiar long-term investment principles to settlement planning.

What about market risk?

Market-based investments involve risk, which is why time horizon and diversification matter. Prospera can blend guaranteed annuity payments for near-term needs with diversified, market-based investments positioned for longer-term growth. This allows the market-based portion to remain invested over a longer horizon, helping manage short-term market volatility while creating greater growth potential over time.

Can I combine this with a traditional annuity?

Yes. Prospera can blend guaranteed annuity payments with market-based investments to address different needs over time. Annuities can provide predictable income for near-term needs, while the market-based portion can remain invested for longer-term growth potential. Together, they create a more flexible approach tailored to the individual settlement.

What happens to my funds if something happens to Prospera?

The structure is designed for long-term continuity. Assets are held by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.

Does Prospera work with my settlement consultant or broker?

Yes. Prospera works through the settlement professionals you already rely on, not around them. Our solutions expand the options available to your consultant, giving them more ways to build a settlement strategy around your immediate and long-term needs.

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Feel Connected

Imagine what we

could do together.

Take advantage of institutional-grade structures for your settlement.

See what's possible

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Feel Connected

Imagine what we

could do together.

Prospera Market Strategies create market-based structures that turn simple settlements into meangful legacies.

LET'S MEET

bg image

Feel Connected

Imagine what we

could do together.

Prospera Market Strategies creates market-based structures that turn simple settlements into meangful legacies.

LET'S MEET