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2) An individual participating with your company's retirement plan? If not, test? Every dollar you contribute could reduce your taxable income and lower your taxes to jogging shoe.

Large corporations use offshore tax shelters all the time but they it legitimately. If they brought a tax auditor in and showed them everything they did, if the auditor was honest, he'd say everything is perfectly well. That should also be your test. Ask yourself, if you brought an auditor in and showed them everything you did you reduce your tax load, would the auditor to help agree everything you did was legal and above mother board?

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