By: Maria Williams

True revolutions in financial services are rare. However, in Houston, Charles Njoya and his firm, CHN Advisors, are offering a unique approach to how America’s high earners might consider wealth building through an unlikely vehicle: the U.S. tax code.

“Most executives understand change,” Njoya states, seated in his office surrounded by multiple screens displaying complex tax algorithms. “But many have never seen the tax code as a wealth-building tool – until now.” Leveraging the tax code for wealth-building is one of the primary reasons many affluent Americans manage to minimize their tax burdens.

While traditional firms focus on tax preparation and basic planning, CHN Advisors, with its team of attorneys, financial advisors, CPAs, real estate brokers, estate planners, and energy experts, has developed a systematic approach to optimizing tax obligations and creating opportunities for wealth-building. The results are notable: clients have reported significant reductions in their effective tax rates, with some reducing taxes while potentially building wealth through strategically structured investments and business operations.

“We’re not just structuring the estates of higher-income earners,” Njoya explains, “we’re designing wealth-building systems that take advantage of the tax code’s inherent incentives. It’s financial engineering at its best.”

The numbers tell an intriguing story. A recent analysis of CHN Advisors’ healthcare professional clients revealed substantial tax savings in the first year—capital that, when properly reinvested through the firm’s wealth-building framework, has the potential to generate significantly tax-free wealth annually. Njoya often uses real estate and other assets when implementing wealth-building strategies.

“What Njoya has developed isn’t just a new way of approaching tax planning,” says William Richardson, Managing Partner at a prominent private equity firm. “It’s a fresh way of thinking about wealth creation. His firm is helping to broaden what’s possible.” This shift represents a change in mindset for many professionals.

This reimagining comes at a critical time. With the 2025 tax law changes on the horizon, high-income professionals face both challenges and opportunities. While many firms advise defensive positioning, CHN Advisors is helping clients strategically navigate these changes to build long-term wealth.

“The tax code isn’t just a set of rules,” Njoya asserts, displaying a complex matrix of tax strategies. “It’s a system of economic incentives. Once you understand its true purpose, you can align your activities with its wealth-building mechanisms.”

This alignment takes many forms, such as:

• Strategic entity structuring that transforms tax liabilities into potential wealth-building opportunities
• Sophisticated real estate investment strategies that leverage tax incentives
• Advanced business operation models aimed at maximizing tax-advantaged wealth accumulation
• Innovative retirement planning that goes beyond traditional tax-deferred approaches

The firm’s approach has caught the attention of many professionals.

“Think of it as having a master tax strategist at your disposal,” Njoya explains, demonstrating their tax platform’s capability to model complex tax scenarios in real time and make them easier to understand. “We’re making it possible for more professionals to access the same tax advantages that have traditionally been available to America’s wealthy families.”

While the average healthcare professional earning over $500,000 pays significant taxes, many of CHN Advisors’ clients have seen their effective tax rates drop to much lower levels while still building substantial tax-free wealth.

“The change isn’t about finding new loopholes,” Njoya emphasizes. “It’s about understanding how to effectively use the tax code’s incentives to build sustainable wealth. Every strategy we implement is fully compliant with tax law – we’re simply using the system as it was designed to be used.”

The firm’s impact extends beyond individual client success. CHN Advisors is helping reshape how professionals think about taxes and wealth-building strategies. Their upcoming Tax Code Wealth Summit promises to be an important event in financial planning, bringing together industry leaders to explore the potential of strategic tax planning.

“We’re not just changing how people handle taxes,” Njoya concludes. “We’re helping them rethink wealth creation itself. The tax code isn’t a burden—it’s one of America’s powerful wealth-building tools when used strategically.”

For America’s executives and high-income professionals, this could be an ideal time. As the financial landscape becomes more complex, CHN Advisors’ approach offers a clear strategy for sustainable wealth-building through strategic tax planning.

To learn more about CHN Advisors’ approach to tax strategy and wealth building, visit www.chnadvisors.com or call (832) 901-0167.

Disclaimer: The information provided in this article is for informational purposes only and should not be construed as financial or tax advice. Individual results may vary. It is recommended that readers consult with a qualified financial advisor, tax professional, or attorney before making any financial decisions or implementing any strategies discussed in this article.

Published by Joseph T.