Legacy Beyond Money
2026 federal estate exemption ~$13.99M (indexed); excess taxed at 40%. But legacy includes values, control, and tax minimization.
Key Strategies
- Annual Gifting — $18k per person tax-free; reduces estate.
- Lifetime Exemption Use — Gift large amounts now (pre-sunset).
- Irrevocable Trusts — ILITs exclude life insurance; GRATs for appreciation transfer.
- Charitable Tools — DAFs for deductions + control.
- Investment Alignment — Growth assets in trusts for heirs.
Family Communication
Discuss plans early to avoid surprises.
Case Study: Multi-Generation Plan
Family gifted annually + funded ILIT; reduced estate tax exposure by millions.
Conclusion: Build a Meaningful Legacy
PRO-MOTION Consulting helps design legacy-focused strategies—contact us to start.