Build Your Legacy with Y Advisory: Comprehensive Estate & Gift Planning

At Y Advisory, we provide more than just tax and accounting services. We act as your trusted family office, dedicated to creating legacies that last for generations. Our Estate & Gift Planning practice includes tailored strategies designed to minimize taxes, protect family wealth, and empower you to achieve your broader financial goals.

What We Offer

Comprehensive Wealth Assessment

We start by gaining a complete understanding of your assets. This includes properties, business interests, investments, and digital holdings. This holistic view is critical for accurate trust structuring, gift planning, and documenting beneficiary intentions.

Trust Formation & Structuring

• Revocable Living Trusts: These trusts offer privacy, probate avoidance, and flexible management.

• Irrevocable Trusts: This category includes ILITs, GRATs, and IDGTs. They help reduce estate tax exposure, safeguard appreciating assets, and control long-term wealth transfer.

• Charitable Trusts: We can help you establish CRTs, CLTs, and DAFs to meet your philanthropic goals while securing tax deductions and maintaining income flow.

  
  

Strategic Gifting Solutions

• Leverage annual exclusions (e.g., $19,000 per recipient in 2025) for tax-efficient transfers.

• Utilize the lifetime exemption ($13.99M in 2025) to pass significant assets without incurring estate tax.

• Explore gifting vehicles like 529 plans, intrafamily LLCs, and educational or medical payments, which can bypass gift limits.

  
  

Wealth Preservation & Succession Planning

Implement family limited partnerships (FLPs) or buy-sell agreements to protect business interests and ensure seamless transitions to successors.

Executor & Beneficiary Coordination

We assist in appointing executors and guardians. We also guide open conversations among heirs to ensure alignment and avoid probate complications.

Real-World Success Stories

• Ultra-HNW Family ($115M assets): We achieved a $16M estate-tax reduction using FLPs, GRATs, ILITs, IDGTs, GST trusts, and Crummey trusts. This strategy minimized taxes while preserving control and flexibility.

• Grandparent Strategy: A couple from Washington state contributed a rental property into an LLC. They gifted LLC interests into a trust, leveraging valuation discounts while retaining income control and reducing estate exposure.

  
  

Why It Matters

Tax Efficiency

Robust gifting and trust structures preserve wealth against a 40% federal estate tax and shrinking exemption thresholds.

Control & Protection

Trusts and structured gifts protect assets from creditors, ensure proper distribution, and help avoid family conflict.

Purpose-Driven Giving

Philanthropic trusts and donor-advised funds align your giving with legacy objectives while offering tax benefits.

Recommendations for Clients

• Get a comprehensive review of your assets—financial, physical, and digital.

• Adopt gifting strategies now, including annual exclusions and educational contributions.

• Establish appropriate trusts for tax mitigation, asset protection, and legacy clarity.

• Document your intentions clearly to minimize future family disputes.

• Review and update your plan every 3–5 years or after any major life event.

  
  

The Importance of Legacy Planning

Legacy planning is not just about wealth; it’s about values. It’s about ensuring that your intentions are honored and that your loved ones are taken care of. By engaging in thoughtful estate and gift planning, you can create a lasting impact that reflects your beliefs and aspirations.

Building a Lasting Legacy

Your legacy is a reflection of your life’s work and values. At Y Advisory, we understand the significance of this journey. We are here to help you navigate the complexities of estate planning, ensuring that your wealth serves your vision for the future.

Ready to Build Your Legacy?

Y Advisory delivers a seamless, integrated estate & gift planning service—from legal documents and tax structuring to family facilitation and compliance oversight. Whether you're preserving generational wealth, optimizing tax positioning, or giving with purpose, we ensure your values endure and your loved ones are secure.

📞 Schedule a consultation today to explore how we can help align your wealth with your vision—and turn your legacy into a purposeful tomorrow.

For more information, visit yadvisory.com.