How Installment Sale Trusts Empower Sellers to Keep More of What They Earn
Selling a business or investment property can be a double-edged sword—your life’s work turns into a lump sum, but so does a massive tax bill. In this episode of Financial Sandbox, Herb sits down with Morris Chub, CPA, a former NASDAQ CFO and M&A veteran, to break down how Installment Sale Trusts (ISTs) under IRC §453 help business owners and real estate investors defer capital gains, design steady income, and stay in control.
Whether you’re exploring an exit strategy, planning retirement, or simply tired of “tenants, toilets, and trash,” this conversation reveals how ISTs can work alongside—or even rescue—a 1031 exchange to preserve wealth and peace of mind.
Morris Chub helps clients defer and mitigate capital gains taxes on the sale of appreciated assets to increase ROI and retirement income. Drawing on decades in public accounting and as a CFO for NASDAQ-listed and venture-backed firms, he brings hands-on expertise from major transactions with companies like Safeway and Johnson & Johnson. Specializing in Installment Sale Trusts (ISTs) and advanced tax strategies, Morris provides practical, compliant solutions that help business owners and investors preserve wealth, optimize cash flow, and plan smarter exits. His goal: keep more of what you’ve earned—without unnecessary tax burdens.
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Because investor situations and objectives vary this information is not intended to indicate suitability or a recommendation for any individual investor. The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell investments.This material is not to be interpreted as tax or legal advice. Please speak with your own tax and legal advisors for advice/guidance regarding your particular situation. There are material risks associated with investing in private placements, Delaware Statutory Trusts (“DSTs”) and real estate securities including the potential loss of the entire investment principal, illiquidity, tenant vacancies impacting income and revenue, general and real estate market conditions, lack of operating history, interest rate risks, competition, including the risk of new supply coming to market and softening rental rates, general risks of owning/operating commercial and multifamily properties, short term leases associated with multi-family properties, financing risks, potential adverse tax consequences, general economic risks, development risks, long hold periods, and investors should read the PPM carefully before investing paying special attention to the risk section. Risks associated with 1031 exchange- A 1031 exchange has an identification period of 45 days from the sale of the relinquished property to identify a potential replacement property or properties depending on the value of the previous property. To defer all capital gains tax, you must reinvest the entire net proceeds from the sale of the relinquished property into the replacement property and acquire debt on the new property that is equal to or greater than the debt on the property that was just sold and relinquished. Securities offered through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Insurance offered through Concorde Insurance Agency Inc. (CIA). Thornwood Financial is independent of CIA and CIA.
