Over the last few years I have come across many sites that discuss this and how how to do this for $5000-10,000+ using complex structures. In my view of understanding of retirement structures, many of these companies would not hold up to IRS scrutiny. I have seen many compliance violations where these structures would default to non-qualified assets.

I am not a tax or legal expert, but have consulted with them in this area in my business dealings and you’ve got a very difficult road to master here.

I would go straight to a tax (CPA) attorney for my questions.