Wealth Plan Results Study (2026)
We looked at 72 redacted wealth plans. For the 51 that report a combined first-year value, the median plan modeled $77,100 in the conservative case and $311,600 in the aggressive case. These are plan targets, not audited results.
By Preston Seo. Published October 7, 2026. Data from plans written for the 2025 and 2026 tax years.
What is this data?
Each member of Legacy Wealth Blueprint gets a written wealth plan, called a Wealth Strategy Snapshot. It models what a set of tax and investing moves could be worth in the first year, for that person's income and goals.
These numbers are plan targets. They are not audited results. We did not check anyone's tax return or bank account after the plan. A plan says what could happen if the person does the work. Many people do part of it, and some do none.
The source is the executive summary of each plan, as shown in the redacted images on our reviews page. Those images were redacted before they went up. This page shows only group totals and no text from any single plan, so no one plan can be picked out.
How many plans are in the study?
72 plans. The reviews page has 83 images in all. We left out 11 that are video stills or sample sections, not full plan summaries.
- 51 plans give a combined first-year value (tax savings plus modeled investment returns plus money moved into accounts or property).
- 7 plans give a tax-only figure.
- 14 plans give no first-year figure in the part of the summary that is visible.
Who the plans were for, based on the words in each summary:
- W-2 plus a business: 25 plans
- Business owner or self-employed: 19 plans
- W-2 only: 14 plans
- Not stated: 10 plans
- Retired or pension income: 4 plans
What first-year figures did the plans model?
Most plans give two numbers. The conservative case uses the money the person already has. The aggressive case usually adds a property purchase and depreciation. The gap between them is large, so we show both.
| Figure | Plans | Low | 25th pct. | Median | 75th pct. | High |
|---|---|---|---|---|---|---|
| Combined value, conservative scenario | 51 | $8,700 | $50,100 | $77,100 | $111,200 | $218,600 |
| Combined value, aggressive scenario | 49 | $23,400 | $223,000 | $311,600 | $370,100 | $939,400 |
| Tax only, low end | 7 | $10,300 | $34,400 | $50,000 | $53,600 | $60,000 |
| Tax only, high end | 5 | $34,500 | $35,600 | $53,800 | $85,000 | $116,300 |
Combined value is not money in your pocket. It counts tax saved, plus modeled growth on money invested, plus dollars moved into a 401(k), an IRA, or a down payment. Only the tax part is a lower bill. The tax-only rows are a small group, so read them with care.
Which strategies show up at each income level?
Each cell shows the share of plans in that band whose summary names the move. Income comes from the summary text. When a summary gives a range, we use the low end.
| Income band | Plans | Median conservative | Median aggressive | Retirement accounts (401(k), IRA, Roth) | Buy or use real estate | Short-term rental | Cost segregation or bonus depreciation | Business entity (LLC or S-Corp) | Health savings account (HSA) |
|---|---|---|---|---|---|---|---|---|---|
| Under $200K | 10 | $36,700 | $220,800 | 60% | 70% | 30% | 10% | 80% | 0% |
| $200K to $299K | 11 | $75,000 | $298,900 | 64% | 82% | 36% | 18% | 55% | 0% |
| $300K to $399K | 5 | $80,300 | $321,400 | 40% | 100% | 40% | 40% | 80% | 40% |
| $400K and up | 9 | $124,500 | $372,700 | 56% | 89% | 33% | 44% | 67% | 22% |
| Not stated in the summary | 37 | $83,000 | $293,800 | 49% | 76% | 46% | 24% | 62% | 8% |
Small bands have only a few plans, so one plan can move a percentage a lot. Use the band rows to see patterns, not to predict your own number.
What changes did the plans suggest most often?
Ranked by how many of the 72 summaries name the move. The most common is buy or use real estate.
- Buy or use real estate: 57 of 72 plans (79%)
- Business entity (LLC or S-Corp): 47 of 72 plans (65%)
- Retirement accounts (401(k), IRA, Roth): 38 of 72 plans (53%)
- Short-term rental: 29 of 72 plans (40%)
- Cost segregation or bonus depreciation: 18 of 72 plans (25%)
- Bitcoin allocation: 16 of 72 plans (22%)
- Pay down debt: 10 of 72 plans (14%)
- Health savings account (HSA): 7 of 72 plans (10%)
- Review filing status: 3 of 72 plans (4%)
- Charitable giving: 1 of 72 plans (1%)
If you want to read how these moves work, start with the guides for W-2 employees, high-income earners, the short-term rental loophole, and cost segregation.
How was the study done?
- We took the text of every wealth plan image from the data file behind the reviews page. That text was typed from each image and checked by eye.
- A script reads each summary and pulls out three things with fixed text rules: the income (if stated), the first-year figure and what it counts, and which moves are named.
- The script groups the plans and works out counts, medians, and quartiles. Nothing is entered by hand.
- The script writes this page and the CSV on each site build, so the numbers always match the data file.
The build script is scripts/build-wealth-plan-study.js in the site code. The 61 longer wealth plan write-ups on our blog are not counted here, so the same plan is not counted twice.
What are the limits of this data?
- Targets, not outcomes. No figure here was checked against a filed return.
- Not a random sample. These are plans for people who joined a paid program and agreed to share a redacted plan. They are not typical of all taxpayers.
- Summary text only. We read the visible summary, not the full plan. A move that is in the plan but not in the summary is not counted. Some images are cut off at the edge.
- Text rules can miss. Keyword rules can miss a figure or count a move that is only mentioned in passing.
- Combined value mixes things. It adds tax saved, modeled returns, and money moved. Those are not the same kind of dollar.
- Rules change. Plans were written for 2025 and 2026 law. Limits and rules change each year.
Can I download the data?
Yes. Download the aggregate table (CSV). It has the group counts, the figure ranges, the band table, and the strategy counts. It has no rows for single plans.
Questions people ask
Are these real client results?
No. They are the targets each plan modeled before the client acted. We did not check tax returns or bank statements after the fact. Read every number on this page as a plan estimate, not money someone saved.
How many plans are in the study?
72 wealth plan snapshots. They are the redacted plan summaries shown as images on our reviews page. 58 of them state a first-year figure in the summary text.
What is the median first-year figure?
For the 51 plans that report a combined first-year value, the median conservative figure is $77,100 and the median aggressive figure is $311,600. Combined value adds tax savings, modeled investment returns, and money moved into retirement or property. It is not tax savings alone.
Which moves show up most often?
The summaries most often name buy or use real estate and business entity (llc or s-corp). The full ranked list is on this page.
Why is the aggressive figure so much higher?
Most aggressive scenarios assume the client buys a property and uses depreciation, often a short-term rental with cost segregation. That needs cash, time, and a property that qualifies. Many people will not do it in year one.
Can I use this data?
Yes. The aggregate table is free to download as a CSV. Please link back to this page and say the figures are plan targets, not audited results.
See how the moves fit your income
The free tax strategy masterclass walks through the same moves that show up most in these plans, and who each one fits.
Educational content only, not tax, legal, or investment advice. Plan figures are modeled estimates for one person's facts. Your results will differ. Confirm any move with a qualified tax professional.