Full compliance disclosures, terms of service, and educational use disclaimers for Goldstein & Co. LLC — California capital-gains planning, SIS & CRT placement coordination.
Educational content only — not tax, legal, or accounting advice.All discussion of tax treatment, brackets, deductions, deferrals, and savings is illustrative based on federal and California law as of May 2026 and may change. Consult your CPA, estate planning attorney, and a licensed structured-settlement specialist before acting on any sale structure.
The calculator on this site uses simplified approximations for IRS Publication 1457 CRT remainder factors, CRT WIFO distribution tiers, and §453A interest charges. SIS annuity yields are illustrative; locked rates are quoted by the placing structured-settlement broker at execution and change weekly. GUL premium estimates assume preferred-class underwriting; actual offers depend on full medical underwriting. The calculator is not a substitute for a written illustration from the placing carrier.
Insurance and annuity products are issued by the carrier — not bank deposits, not FDIC insured, not guaranteed by any bank or government agency. Annuity guarantees are subject to the claims-paying ability of the issuing insurance carrier. California Life and Health Insurance Guarantee Association (CLHIGA) coverage is limited to 80% of present value with a $250,000 cap per insured.
Hans Goldstein does not currently hold direct carrier appointments for SIS (Structured Installment Sale) placement. SIS placement is referred to and executed by carrier-appointed structured-settlement specialists, with whom Hans maintains co-broker referral arrangements. CRT (Charitable Remainder Trust) drafting is performed by the seller’s estate planning attorney. Hans’s role is modeling, seller education, and coordination with the seller’s CPA and estate attorney.
On placed contracts, compensation flows from the issuing carrier to the carrier-appointed placing broker, which then pays Hans Goldstein a referral or co-broker split. Compensation rates vary by product, carrier, contract size, and structure type. Full compensation disclosure is provided in writing on every case prior to placement. Under California SB 263, all annuity recommendations are made under a best-interest standard.
Yield assumptions and structural illustrations on this site are not endorsements of, nor offers from, any specific insurance carrier or broker. References to “A+ AM Best-rated” and “A− KBRA-rated” carrier categories are generic; specific carrier selection, current rates, and product features are determined by the placing structured-settlement specialist at execution.
All references to IRC sections (§453, §453A, §483, §664, §121, §1031, §170, §691, §1014, §72), Treasury Regulations, Revenue Rulings, and IRS Notices are educational only and not professional advice. Tax and legal interpretation of your specific facts requires a licensed CPA, EA, or attorney admitted to practice in your jurisdiction.
This site is designed for California sellers of California-situs assets. Hans Goldstein is licensed as an insurance & annuity producer in California (NPN 20602398). Hans does work with sellers in other states through co-broker arrangements with producers licensed in those jurisdictions; for non-California situations, please call to discuss whether a referral arrangement can be coordinated for your state.
All dollar figures, percentage savings, break-even yields, and structural recommendations produced by the calculator are educational illustrations based on simplified tax rules and 2026 federal + California assumptions. They do not constitute a tax projection, financial plan, or specific recommendation. Actual taxes, returns, and outcomes will differ based on your specific facts.
Goldstein & Co. LLC does not draft trusts, file tax returns, provide legal opinions, or place “Deferred Sales Trust” / Monetized Installment Sale products without §453 statutory backing.
Goldstein & Co. LLC respects your privacy. Information collected through this site (calculator inputs, contact form submissions, phone-call records) is used solely for the purpose of providing educational tax-planning information and, if you request, coordinating a consultation with Hans Goldstein. We do not sell, rent, or trade your personal information to any third party. Calculator inputs are processed client-side in your browser; submitted PDF report requests are sent to Hans’s email only. Cookies are used for basic site functionality and analytics; you can disable cookies in your browser settings.
Goldstein & Co. LLC
1401 21st Street, Suite R
Sacramento, CA 95811
Where Hans actually meets clients: in person in Southern California by appointment (Orange County / LA area), and statewide by phone or video conference. The Sacramento address is the LLC's registered business address. Most consultations happen by phone or video; in-person meetings at a SoCal location can be arranged when the seller is local and prefers face-to-face. There is no public walk-in office at the Sacramento address.
Hans Goldstein · Goldstein & Co. LLC
California-licensed insurance & annuity producer · NPN 20602398 · CA Lic 4445478
Phone: 213-414-2808 · Email: [email protected]
Last updated: May 17, 2026.
