This is your chance to passively own a 64-unit apartment community

Earn strong returns & enjoy powerful tax benefits

While solving the affordable housing crisis

The Devonshire apartment community has been loved and cared for by a single owner for over 30 years, but it's in need of repairs and renovations.

This area is in need of more high-quality, affordable housing. Help us provide just that to residents of Baltimore County.

Highly desirable location for workforce housing

  • Conveniently located near I-695 and I-795; numerous shopping centers located within a 2 mile radius

  • Major area employers nearby: Northwest Hospital, CareFirst, T. Rowe Price

  • Major area colleges nearby: Stevenson University, Towson University, Loyola University

Watch the property overview video below for all the details

Projected Returns

  • 1.7 X average annual return

  • 17.65% average annual return

  • 6% preferred returns for all passive investors

  • 75% of cashflow will go to passive investors, 25% will go to the operations team

Unique Benefits

  • Extremely experienced operations team with very strong track record

  • Eligible for Self-Directed IRA investments

  • Eligible for depreciation tax benefits

Helpful Resources

Black family enjoying a vacation becauase they are financially free

How to Escape the 9-5 Wealth Trap: From High Income to High Wealth

April 26, 20252 min read

You’re Making More Than Ever… So Why Don’t You Feel Wealthy?

If you're a successful professional in sales, tech, or healthcare, chances are you’re earning well into six figures. You’ve done everything “right”: got the degree, climbed the ladder, and invested in your 401(k).

So why does financial freedom still feel out of reach?

That’s because high income ≠ high wealth.

And if you’re only focused on earning more, without building assets that work for you, you could be stuck in the 9-5 wealth trap for decades.

Let’s unpack what that means and how to break free.


The 9-5 Wealth Trap, Explained

Here’s what most high-income professionals do:

  1. Make more money.

  2. Spend more money.

  3. Rely entirely on W-2 income and traditional retirement accounts.

  4. Pay more in taxes as their income rises.

Eventually, they hit burnout, lifestyle creep, and realize that retirement still feels far away despite their earnings.


So What Do the Wealthy Do Differently?

They invest in assets that produce income.
Not just stocks, but cash-flowing real estate, private equity, and business interests.

They prioritize time freedom.
Wealth isn’t about working more it’s about owning things that make money while you sleep.

They use tax strategies to legally reduce their burden.
Think depreciation, cost segregation, and real estate write-offs.

They build wealth through leverage.
Real estate allows you to control large assets with a fraction of the capital.


How You Can Start Building Wealth (Not Just Income)

📌 Step 1: Shift your mindset
Ask: How can I make my money work harder than I do?

📌 Step 2: Reallocate your capital
If all your wealth is in a 401(k), explore real estate syndications or SDIRA strategies.

📌 Step 3: Build multiple income streams
Passive income from real estate can supplement or replace your paycheck over time.

📌 Step 4: Focus on net worth, not just income
Track assets, equity, and how much you keep, not just what you earn.


Real Talk: I’ve Been There

I worked hard, got promoted, and hit income goals I never imagined. But even at the height of my earning years, I realized I was on a treadmill.

What changed?

I discovered real estate syndications, and started investing passively. Today, I’m building wealth and peace of mind without being a landlord or trading time for money.


Final Thoughts: Don’t Just Earn More, Own More

📌 Income is how you survive. Wealth is how you thrive.
📌 Your job is great but your investments are what create freedom.

It’s time to escape the high-income trap and start building real wealth.

blog author image

Photo of Tiffany Ward founder of Utmost Capital

Tiffany Ward is the founder of Utmost Capital Group and a seasoned real estate investor specializing in passive real estate syndications. As a busy professional and mom, she discovered the power of real estate investing to build wealth without sacrificing time. Now, she helps high-earning professionals create passive income, reduce taxes, and achieve financial freedom—without the hassle of being a landlord. Through her blog, Tiffany shares expert insights on wealth-building strategies, tax advantages, and smart investing. Connect with her to learn how real estate can work for you.

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Why Investing Multifamily Builds Long-term Wealth:

Tax Incentives

Owning apartments comes with it’s own unique set of advantages - including powerful tax incentives that keep more money in your pocket.

Stability compared to stocks

Real estate is less volatile and has historically outperformed the stock market making it ideal for long-term growth.

Earn like a landlord, without being one.

The beauty of owning large apartment communities is utilizing professional property management to handle all of the day to day operations and maintenance.

Collective buying power

When we leverage the buying power of a group of investors we can buy larger, more stable properties with higher upside potential.

Got Questions? Curious to learn more?

Got Questions? Curious to learn more?

NOTE: The information presented on this website, including but not limited to projected returns, financial estimates, and investment opportunities, is provided for informational purposes only and should not be construed as an offer to sell, a solicitation to buy, or a recommendation for any security or investment strategy.

Forward-Looking Statements:

Any statements regarding projected returns, future financial performance, or expected market conditions are forward-looking statements and involve certain risks and uncertainties. Actual results may vary significantly due to market fluctuations, economic conditions, operational risks, and other factors beyond our control. We make no guarantees, representations, or warranties—express or implied—regarding the accuracy, completeness, or reliability of such projections.

No Investment, Legal, or Tax Advice:

Nothing on this website should be considered investment, legal, or tax advice. Investors should conduct their own due diligence and consult with their financial, tax, and legal advisors before making any investment decisions. Investments in real estate syndications and private placements are speculative, illiquid, and involve a high degree of risk, including the potential loss of principal.

Accredited Investors & Regulation D Offerings:

Any investment offerings referenced on this website may be conducted under Regulation D, Rule 506(b) or 506(c) of the Securities Act of 1933, which require investors to be accredited investors as defined by the U.S. Securities and Exchange Commission (SEC). Participation in such offerings may require verification of accredited investor status and compliance with applicable securities laws.

No Guarantee of Results:

Past performance is not indicative of future results. Investment returns, distributions, and cash flow are not guaranteed and may be subject to market risks, operational challenges, and unforeseen circumstances that could impact investment performance. By accessing this website and any investment materials provided, you acknowledge and agree that Tiffany Ward, Utmost Capital Group, and any affiliated entities are not liable for any financial losses or investment decisions based on the information presented.

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