Preserve Wealth,
Minimize Taxes
Without proper planning, your estate could lose nearly half its value to taxes and costs. Strategic planning ensures your family receives the maximum benefit.
Federal Estate Tax Rate
2026 Exemption
Annual Gift Exclusion
States with Estate Tax
Exemption Sunset Warning
The $13.6M estate tax exemption is set to be cut roughly in half after 2025 under current law. Act now to maximize your lifetime transfers before the window closes.
The Wealth Transfer Flow
See the dramatic difference between planned and unplanned wealth transfer.
Without Planning
Total Estate Value
Starting point
Federal Estate Tax
40% on amount over exemption
Probate & Legal Fees
2-5% of estate + 1-2 years
State Estate Taxes
Varies by state, up to 20%
Family Receives
Lost 26% to taxes & fees
With Strategic Planning
Total Estate Value
Same starting point
Lifetime Gifting Strategy
$3.6M transferred tax-free via exemption
Irrevocable Life Insurance Trust
$2M policy outside taxable estate
Revocable Living Trust
Avoids probate entirely
Family Receives
Preserved 96% of estate value
$2.2M More for Your Family
Strategic planning saves over 22% of total estate value
What Proper Planning Achieves
A comprehensive estate and tax plan protects your family across every dimension.
Minimize Taxes
Reduce federal and state estate taxes by leveraging exemptions, trusts, and strategic gifting.
Protect Assets
Shield wealth from creditors, lawsuits, and unforeseen circumstances with proper structures.
Preserve Legacy
Ensure your wealth passes to the next generation exactly as you intend, with minimal friction.
Key Tax Planning Strategies
Proven strategies that high-net-worth families use to protect their wealth.
Roth Conversions
Strategically convert traditional IRA assets to Roth during low-income years for tax-free growth. The converted amount grows tax-free forever and is not subject to RMDs.
Best in years with lower taxable income
Charitable Remainder Trusts
Receive income for life while making a future charitable gift, generating an immediate tax deduction. Highly effective for appreciated assets you want to diversify without triggering capital gains.
Family Limited Partnerships
Transfer business interests at discounted values while maintaining control over operations. Valuation discounts of 20-40% can dramatically reduce gift and estate tax exposure.
Typical discount: 25-35%
Grantor Retained Annuity Trust
Transfer appreciating assets to beneficiaries with minimal or zero gift tax consequences. If the assets outperform the IRS hurdle rate, the excess passes to heirs tax-free.
Dynasty Trusts
Multi-generational wealth transfer that avoids estate tax at each subsequent generation. Assets can grow for 100+ years completely free from transfer taxes.
Tax-free across generations
Tax Loss Harvesting
Offset capital gains with strategic losses to reduce your annual tax bill. WealthSmith's platform automatically identifies harvesting opportunities across your portfolio.
Our Services
Tax-Efficient Asset Allocation
Structure investments across accounts to minimize annual and estate tax exposure.
Gifting Strategies
Leverage annual gift tax exclusions and lifetime exemptions to transfer wealth tax-free.
Trust Structures
Irrevocable trusts, GRATs, QPRTs, and charitable trusts to reduce your taxable estate.
Business Succession
Plan for smooth business transitions with buy-sell agreements and valuation discounts.
Don't Leave Your Wealth Unprotected
The exemption window is narrowing. Start building your estate and tax strategy today.
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