Nothing - I'm simply going by what you post.... and based off of your post, I believe that you do act in that order.
But here is the thing... you said that your federal taxes have been six figures the last three years (not taxable income, but actual taxes paid, correct?)
And, you said that no FA or accountant was able to do anything and that's what you get when you have an all salary income (which implies that you wanted different results than what you experienced)
So my point is, if you change the order of your actions, and get advice before you act you should be in a position to pay less than 6 figures in taxes going forward.
I don't understand how operating within the tax guidelines can be considered "cheating", nor am i advocating "cheating".
But if you're fine with the status quo, then I'm happy for ya.