Reduce your taxable estate with tax-advantaged transfer strategies
You can gift up to $18,000 per person per year without filing a gift tax return or touching your lifetime exemption. 529 "superfunding" allows 5 years of contributions upfront ($90,000 per beneficiary).
Cash or asset gifts to heirs each year
Tax-advantaged education savings — grows tax-free
Convert traditional IRA — heirs inherit income-tax-free
Heirs inherit at current fair market value — capital gains vanish at death
Do not sell these assets — they "step up" to market value at death, eliminating embedded gains for heirs
Trusts provide control, privacy, and estate tax efficiency
