Sniff, sniff ...homework?

If not, if there was $ 1M to loan,  then there's enough cash to pay for a consult with an attorney & a paid tax pro to evaluate all the options.

Congratulations, you just won a $1,000,000 paycheck since you evidently had been taking a paycheck over the last 20 years without paying taxes on it ------------------ at least that's the way the IRS will look at it.

or they could be classed as Dividends