Use the levers most miss.
Observations are shared; decisions stay yours. Lifetime gifting, generation-skipping planning, and intrafamily loans — levers most families don't use because nobody coordinates them.
Levers that go unused without coordination
Lifetime gifting, the annual exclusion, generation-skipping planning, and intrafamily loans are levers most families don't use — not because they don't apply, but because nobody is coordinating them against the rest of the plan.
Coordinated with the tax and estate picture
We review these levers alongside the family's tax situation and existing trust structures, so a gifting or lending decision is checked against its effect on the estate plan before it happens.
What’s included.
- Gifting strategy — what you can give, and when, within the exclusions
- GST planning and dynasty trusts — a path for wealth to reach grandchildren
- Intrafamily loans (AFR) and sales — family lending done on the record
- Family limited partnership planning — shared ownership, clearly structured
- Beneficiary review across accounts — every account pointed where you intend
How it works.
Map the current structure
You get a clear view of past gifts, existing trusts, and where beneficiaries currently point.
Model the levers
You see how gifting, GST planning, and intrafamily loans would actually play out against your goals before committing to any of them.
Coordinate execution
Your estate attorney and tax team put the chosen structure in place, working from the same plan.
Answers from the practice.
What is an intrafamily loan?
A loan between family members, structured at or above the IRS-published Applicable Federal Rate, that can move wealth between generations without being treated as a taxable gift — provided it's documented and administered as a genuine loan.
What is generation-skipping (GST) planning?
Structuring a transfer so assets pass to grandchildren or later generations, coordinated with the generation-skipping transfer tax rules that apply to those transfers.
Is wealth transfer planning right for my situation?
It fits families who intend to move wealth across generations and want the levers — gifting, trusts, and loans within the family — pulled in coordination rather than left unused. If there's no transfer intent yet, the planning can simply wait. A first conversation is how we find out. A first conversation is how we find out — observations are shared, decisions stay yours.
What happens after I reach out about wealth transfer?
We start with a conversation about who the wealth is for and on what terms. We review the estate documents, prior gifts, and the tax picture the transfer will move through, and give you a clear view of whether and how the practice can help.
Coordinate with the rest of the firm.
Trusts & Wills
We coordinate the right document set with estate attorneys — and fund it, the step that most often gets skipped.
Estate PlanningCharitable Planning
Done well, charitable giving is a tax move, a values move, and a family-conversation move at once.
Tax & AccountingTax and Accounting
Forward-looking tax planning, federal and state returns, and entity structuring.
Talk through wealth transfer.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation