Preserve more. Transfer more. On your terms.
For families approaching the federal estate tax threshold (or already over it), the difference between proactive and reactive planning is often measured in millions. We design structures that seek to preserve wealth, transfer it efficiently, and align with your values.
"I've built significant wealth — how do I pass it on without losing half to taxes?"
Here's what we typically see.
- Approaching estate tax exposure — Combined assets nearing or exceeding the federal exemption — set to drop in 2026.
- Multiple generations — Children, grandchildren, and beyond — multi-generational planning required.
- Family business or concentrated assets — Illiquid or concentrated holdings creating valuation and transfer complexity.
- Charitable intent — You want to give meaningfully — and tax-efficiently.
- Existing structures need review — Old trusts, outdated documents, missing provisions for current law.
Strategies built for your situation.
Lifetime gifting strategies
Annual exclusion gifting, lifetime exemption planning, and 529 strategies.GRATs & SLATs
Grantor Retained Annuity Trusts and Spousal Lifetime Access Trusts for high-impact wealth transfer.ILITs (Irrevocable Life Insurance Trusts)
Life insurance held outside the estate to provide liquidity for taxes and heirs.Dynasty trusts
Multi-generational structures that preserve wealth for grandchildren and beyond.Charitable strategies
Donor-advised funds, charitable remainder trusts, and private foundations.Family governance
Helping next-generation members understand and steward family wealth responsibly.
Questions we hear from families planning for the next generation.
- Our combined estate is $30M. What happens when the exemption drops?
- I want to give my kids access to wealth without ruining their motivation. How?
- I have $10M in real estate I want to leave to my children. How do I structure it?
- I want to set up a foundation. Is it worth it for our level of wealth?
- My parents are aging and their estate plan is outdated. How do we update it?
LPL Financial and LPL representatives do not provide tax or legal advice.
If This Sounds Like You, Let's talk.
Schedule a 15-minute intro call to find out whether we are a good fit for you.