Per child in 2026, with $0 federal income tax. Pay them for real work and deduct the wages.
How Vestling works
- We form your side LLC. State filing, operating agreement and tax ID.
- Your children do real work. Filming, on-camera spots, editing and social posts for your content.
- We run their payroll. Real W-2s, timesheets and a saved record of every job.
- Their wages build their future. A Roth IRA, a Trump account and a 529 for each child.
Children under 18 working for a parent's sole proprietorship or single-member LLC owe no Social Security or Medicare tax.
A year per child in 2026, up to what they earn. It grows tax-free for decades.
Pay your spouse for real work in your LLC and they can save up to $72,000 a year in their own 401(k) in 2026.
Your family's numbers
Estimated savings a year
Government seed for every child born 2025 to 2028. Add up to $5,000 a year; employers can add $2,500 pre-tax. Open since July 4, 2026.
Per child a year for K to 12 tuition starting 2026, plus tutoring, supplies and some extracurriculars.
Average guest stay of 7 days or less, plus 100+ hours of your own work on the rental, and its losses offset your practice income.
Buy a rental and write off a large share of its price in the first year. Combined with the short-term rental rule, that write-off lowers the tax on your practice income.
A pension your business funds, paying up to $290,000 a year in retirement. Contributions often exceed the $72,000 401(k) cap. Best above $500,000 of business income.
Who Vestling is for
Physician parents who own a practice or are partners in a group practice.
Two ways to start
- The course: learn the setup yourself. $497
- Done for you: we set it up and keep it running. $1,500 once, then $149 a month
Who we are
- David Sing, MD. Spine surgeon and founder of YMSL Automations.
Join the waitlist
You're on the list. We'll email you when Vestling opens.
Vestling provides setup, payroll and recordkeeping services. Your CPA files your taxes.