Maximize the estate and gift tax exemption before it’s too late.

What is the Estate and Gift Tax Exemption Sunset??

If you had a $13M gift card that expired on 1/1/26, what would you do??

Right now, you have $13.6M per individual or $27.2M per married couple to gift or pass on through your estate tax-free with the federal government.?

On January 1st, 2026, this number will be cut in about half, to about $6-7M for individuals and $13-14M for married couples, depending on inflation. Additionally, the estate and gift tax rate will be increased from 40% to 45%.?

Because of this sunsetting, if you or your family are worth more than the post-2025 exemption, you have two years to get your estate in order and make strategic gifting decisions. Doing so can save millions in taxes for you and the next generation of your family.?

The estate planning and gifting process can take months, so acting now is critical. By taking action today you will have significantly more control over what you do with your hard-earned money. Don’t let your $13M gift card expire.?

Federal Estate and Gift Tax Exemption Sunset In-Action?

Let’s look at how this change could affect Ole and Lena. Ole and Lena are nearing retirement nearing retirement from their family business and together, they are worth $30M (including cash, investments, retirement accounts, home and cabin values, and the value of their business).?

?Currently, the maximum gift and estate tax rate is 40%. Ole and Lena plan to pass their entire estate to their daughter. Now, they have a choice: they can take advantage of the current tax exemption before it changes, or they can wait until after the deadline on 1/1/26. Here are the possible outcomes of this decision:?

If they act now, they could save their daughter around $5.3M in taxes that she would have to pay the federal government within 9 months of their passing. Without these savings, their daughter might have to sell the family business to cover the tax bill, which is no easy feat, especially in such a short period of time.?

This is just one scenario. Maybe you don’t have kids and want to send a large sum of money to charity when you pass away. At the end of the day, this is about securing your legacy and making sure that your lifetime of hard work is distributed the way that you see fit.?

We can help.?

The bottom line is this: the clock is ticking. And for taxpayers like Ole and Lena, the decision to act now could have a huge financial impact for their loved ones in the future.??

We’re here to help you seize this opportunity by creating a personalized plan that works for you and your family. Whether you need assistance with gift, estate, and trust tax planning or figuring out what strategies will maximize the exemption for your unique situation, we’ve got you covered!?Get started today by contacting us!