David C. Malone leads Malone Integration Group (MIG), intending to bring institutional‑grade tax thinking to business owners whose financial situations have grown more complex than routine tax preparation can handle. His work focuses on building structured, multidisciplinary programs that coordinate specialized advisors, helping ensure an owner's tax, retirement planning, and estate planning is as intentional as their business strategy. This mission evolved from recognizing recurring gaps in how advanced needs were addressed, and from a desire to bridge those gaps by making deeper tax planning more accessible.
MIG notes that prosperous private companies often encounter challenges that may go unnoticed until they become significant. The firm believes traditional advisory models leave room for more forward‑looking design. "We see an environment where routine compliance meets complex opportunity," says Malone. "In that space, some owners can benefit from coordinated guidance that brings together actuarial planning, tax law, and practical implementation without the owner losing control of the business and decision making" From this perspective, MIG positions itself as an integrator, creating pathways that give business owners access to planning approaches often associated with larger institutions, while staying attentive to each family's priorities and practical realities.
Moving into this more strategic space often involves assembling a team with expertise in specific areas of the tax code and related disciplines, according to MIG. The group's approach is to convene those specialists around an owner's objectives, aiming to make planning coordinated and aligned with the broader ambitions of the business.
MIG observes that certain layers of technical planning may not always surface in day‑to‑day practice. In the firm's view, tax work, marked by seasonal peaks and wide caseloads, naturally encourages approaches that emphasize consistency across many clients. More specialized planning, however, tends to flourish when there is concentrated expertise and sustained coordination.
From MIG's standpoint, this contrast reflects the structure of professional services rather than any limitation of individual advisers. The firm has shaped its advisory model with this in mind, intentionally drawing on specialists for particular strategies. MIG sees this as a way to complement existing client relationships, opening doors to planning opportunities that might otherwise feel beyond reach.
Central to what MIG facilitates are income‑tax strategies designed to influence when and how tax liability is experienced, while converting tax‑sensitive dollars into productive capital for business growth and family goals. One pathway the firm highlights involves retirement plan design that draws on actuarial frameworks to potentially create materially larger pre‑tax contribution opportunities for owners, up to $400,000 annually in some cases, aiming to accelerate retirement accumulation.
Another pathway makes use of trust‑based structures, such as the Restricted Property Trust, that, when funded over a defined period, can potentially influence the tax character of employer contributions and support long‑term accumulation in conservative vehicles. When these approaches are thoughtfully combined, MIG sees the potential for a different trajectory of tax efficiency.
Why do these strategies remain relatively uncommon among successful owners? MIG suggests it is often a matter of awareness and of advisory bandwidth. "Owners may assume their existing advisers would talk about every suitable option, and advisers may reasonably focus their time on the majority of clients whose needs are more conventional," Malone explains. "Creating access to more advanced approaches, therefore, requires advisors who can coordinate actuaries, tax counsel, and specialized accounting expertise so the technical work is handled by those who live in that space day to day."
Malone's trajectory shows a consistent focus on integrative work. Early in his career, he gained experience in market environments that shaped his appreciation for disciplined planning. Malone moved into practices that emphasized retirement design and later institutional tax planning for private owners. "I believe thoughtful coordination beats isolated solutions," he says. "A plan that fits a family's life often looks nothing like a template. It is the product of listening, careful design, and steady stewardship."
This emphasis on coordination informs the way MIG itself is structured, extending Malone's philosophy into the firm's broader approach. Based in Missouri, the firm serves business owners nationally, extending its coordinated model beyond its local hub. MIG operates as a virtual family office in the sense that it aims to assemble the right people around each issue rather than attempting to provide every specialty in-house. For each advanced strategy, the group seeks an accountant versed in the technical transaction, counsel who understands the jurisdictional sensitivities, and any actuarial or administrative partners needed for compliance. This collaborative approach is intended to make complex solutions operationally manageable for owners who want to preserve control while expanding their financial options.
The work often involves shaping complex institutional concepts into strategies that feel more accessible and tailored, giving owners a clearer way to consider alternative tax and retirement structures and estate planning without relinquishing control. MIG presents this as support for families and businesses reflecting on capital allocation, intergenerational intent, and the efficient use of earnings in pursuit of growth and legacy. From Malone's perspective, the aim is to provide a thoughtful bridge between everyday stewardship and a deeper planning that may influence outcomes over longer horizons.
"Planning is a conversation that happens over seasons of a business and a life," Malone remarks. "Our role is to keep that conversation strategic and well-coordinated." Malone Integration Group invites business owners and their advisers to reframe complex tax planning as a collaborative design challenge that can expand financial optionality without losing sight of the family's priorities.
This article is for informational purposes only, not intended to be tax or legal advice. Consult your own advisor or contact our office for a customized strategy composed by our licensed professionals.
Advisory services offered through Blackridge Asset Management, LLC, a Registered Investment Adviser. Securities offered through Peak Brokerage Services, LLC, member FINRA/SIPC. Blackridge Asset Management, LLC and Malone Integration Group, LLC are separate and independent entities from Peak Brokerage Services, LLC.
