Tax-Efficient Investing

We coordinate investments with estate tools like revocable living trusts to avoid probate, ensuring seamless asset transfer. Step-up basis planning minimizes capital gains taxes for heirs by holding appreciated assets until death, resetting cost basis to fair market value. We recommend gifting strategies under 2026 annual exclusions ($18,000 per donee) or lifetime exemptions ($13.99 million), using irrevocable life insurance trusts (ILITs) to exclude proceeds from estate taxes.
For multi-generational impact, we integrate donor-advised funds (DAFs) for charitable giving, offering immediate deductions (up to 60% AGI for cash) while controlling distributions. Family limited partnerships (FLPs) discount asset values for gift/estate taxes (20-40% reductions via lack of control/marketability). We model scenarios with Monte Carlo for longevity and market risks, aligning with ESG for values-based legacies.
The plan includes ethical wills for non-financial inheritance and annual reviews with your attorney to update for law changes, ensuring tax minimization (e.g., avoiding 40% federal estate tax over exemptions) and family harmony.