Advanced Wealth Transfer Planning
Abstract financial data visualization showcasing advanced wealth dynamics through line graphs, bar charts, and numerical data overlaid on a blue-toned digital background, suggesting growth and analysis themes.

Keep Your Money In The Right Hands

A well-crafted wealth transfer and estate plan can help you implement your vision for the future and create benefits for the people and causes that matter most to you. There are three places your assets can end up after your death: taxes, charity, or to loved ones as an inheritance. Proactive planning can help direct more wealth to the latter two buckets and less to the government.

Certain wealth transfer strategies, such as gifting, work better when implemented early or over an extended period. Creating a wealth transfer plan now can help you make the most of tax-free, as well as tax-advantaged, gifting strategies as you address specific goals for your wealth.

Annual Exclusion Gifts — You can gift up to $15,000 per year per recipient ($30,000 for a couple) free of gift taxes.

Payment of education and health care expenses — Payments made directly to a provider, such as a school or a physician.

Gifts to a Spouse—You may make unlimited tax-free transfers to your spouse.

Gift to Charity — Gifts to qualified charities are not subject to gift tax, but the charitable income tax may be limited in certain situations.

By making gifts during your lifetime—whether to a charity or individual—you have the opportunity to witness the impact of your gifts firsthand.

Disclosures

Cerity Partners LLC (“Cerity Partners”) is an SEC-registered investment adviser with offices across the United States. Registration as an investment adviser does not imply any level of skill or training.

The information provided is not intended as personalized investment, tax, or legal advice. There is no guarantee that any opinions, projections, or views expressed will materialize. You should consult a qualified professional before making financial decisions.

Information is subject to change without notice and is believed to be reliable but is not guaranteed. For Cerity Partners’ registration status, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.

For additional details about our services, fees, or potential conflicts of interest, please request our disclosure statement, including Form CRS and ADV Part 2, using the contact information provided.

Recent Publications

A blue textured background with diagonal lines, featuring the white text "CLIENT MEMO" in the bottom right corner.

BOI Reporting Now Limited to Foreign Entities

A blue textured background with diagonal lines, featuring the white text "CLIENT MEMO" in the bottom right corner.

Reinstatement of Mandatory BOI Reporting

A blue textured background with diagonal lines, featuring the white text "CLIENT MEMO" in the bottom right corner.

New Individual Income Tax Return – Engagement Letter, Tax Organizer and Document Request Procedure