I’ve heard NJ has a great incentives through SREC-IIs and ITC for federal but still kinda skeptical.

My wife and I currently make more money than we did in our corporate careers but (legally) have not paid any federal income tax in several years. 

So.. if you accountant finds ever single expense/deduction to throw in your tax return to reduce you taxable income, most people appreciate it. 

People do it, but my suggestion is to not screw around with federal programs.   

and don't forget Federal Corporate Transparency Compliance under FinCin

The damage has been so severe that we have recently been declared a “Federal Disaster Area”.

If after reading your operating agreement, you are still not clear on the procedures, a call to your attorney may help.Assuming the LLC operating agreement is unclear or silent on the issue, I would think a non-cash trade of shares for equity might avoid a taxable event, but am not clear. 

Would that be considered a taxable event? 

Now she could go to my banking direct and get 5.5% or fidelity I think CMA is able to get around 5%, but that is based on the federal reserve so that could be less in the future.

Our government and Federal Reserve must let our economy free fall so our free economy system will self correct.