Q: What jurisdictions does TaxOptima cover?

13 jurisdictions, scraped daily and semantically diffed: United States Federal, California, New York, Texas, Florida, Nevada, United Kingdom (4-year FIG regime), Singapore, Estonia, UAE, Switzerland (Zug), Portugal (IFICI), Ireland. Each carries a freshness score and last-scraped timestamp on /api/jurisdictions.

Q: What structures does it recommend?

40+ templates: domestic LLCs (disregarded, partnership, S-elect), C-Corp, S-Corp, Series LLC, Statutory Trust; PR Act 60 Export Services; USVI EDC; Cayman LDC; BVI BC; Estonian e-Residency OU; grantor and non-grantor trusts; IDGT, SLAT, DAPT, CRT/CLT, dynasty trusts; crypto wrappers (Roth-IRA-LLC, Solo-401(k), PR Decree 22 stacking); R&D credit positions under IRC §41/§174; QSBS stacks under OBBBA 2025 ($15M cap, 4-year hold).

Q: What blind spots does it detect?

47 audit-flagged patterns (reasonable-comp deficits, hobby-loss, listed-transaction proximity, passive-activity grouping risk, basis erosion, at-risk recapture), 23 nexus traps (state-income economic nexus, Wayfair sales-tax, telecommuter nexus), 12 anti-abuse doctrines (economic substance, step-transaction, sham-trust, reverse-Morris-Trust, Subpart F, PFIC, GILTI, CAMT inclusion, §2036 retained enjoyment, conduit financing under Reg 1.881-3, §7701(o) codified economic substance). Findings are severity-ranked with statutory and case-law citations.

Question 1

What does TaxOptima do?

Accepted Answer

TaxOptima is an AI tax-structuring agent. It accepts a complete financial picture (W-2, K-1, 1099, Schedule C/E, crypto positions, real estate, retirement accounts, planned moves, dependents, domicile), runs a 10,000-iteration Monte Carlo across price paths and rate-curve scenarios, and returns ranked structural recommendations (LLCs, S/C-Corps, PR Act 60, DAPT/IDGT/SLAT stacks, crypto wrappers, R&D credit positions). Every recommendation is HMAC-SHA256 signed over its canonical JSON.

Question 2

How does the Monte Carlo simulation work?

Accepted Answer

10,000 iterations per simulation, target stderr < 0.4% on the effective-rate output. Each iteration samples price paths (geometric Brownian motion with jurisdiction-conditional drift/vol), marginal-rate curves (1,000 from current statute + 9,000 from legislative-drift prior fit to 25 years of JCT scoring), and realization-timing decisions over a 1–30 year horizon. Default execution is sandboxed WebWorker on the client; financial state never leaves the browser.

Question 3

What jurisdictions does TaxOptima cover?

Accepted Answer

13 jurisdictions, scraped daily and semantically diffed: United States Federal, California, New York, Texas, Florida, Nevada, United Kingdom (4-year FIG regime), Singapore, Estonia, UAE, Switzerland (Zug), Portugal (IFICI), Ireland. Each carries a freshness score and last-scraped timestamp on /api/jurisdictions.

Question 4

What structures does it recommend?

Accepted Answer

40+ templates: domestic LLCs (disregarded, partnership, S-elect), C-Corp, S-Corp, Series LLC, Statutory Trust; PR Act 60 Export Services; USVI EDC; Cayman LDC; BVI BC; Estonian e-Residency OU; grantor and non-grantor trusts; IDGT, SLAT, DAPT, CRT/CLT, dynasty trusts; crypto wrappers (Roth-IRA-LLC, Solo-401(k), PR Decree 22 stacking); R&D credit positions under IRC §41/§174; QSBS stacks under OBBBA 2025 ($15M cap, 4-year hold).

Question 5

What blind spots does it detect?

Accepted Answer

47 audit-flagged patterns (reasonable-comp deficits, hobby-loss, listed-transaction proximity, passive-activity grouping risk, basis erosion, at-risk recapture), 23 nexus traps (state-income economic nexus, Wayfair sales-tax, telecommuter nexus), 12 anti-abuse doctrines (economic substance, step-transaction, sham-trust, reverse-Morris-Trust, Subpart F, PFIC, GILTI, CAMT inclusion, §2036 retained enjoyment, conduit financing under Reg 1.881-3, §7701(o) codified economic substance). Findings are severity-ranked with statutory and case-law citations.

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