Secure Your Legacy with Y Advisory’s Estate & Gift Planning

At Y Advisory, we deliver more than just tax and accounting services—we act as a trusted family office, creating legacies for generations to come. Our Estate & Gift Planning practice encompasses tailored strategies to minimize taxes, protect family wealth, and empower clients to achieve their broader financial

What We Offer

1. Comprehensive Wealth AssessmentWe begin by fully understanding your assets—properties, business interests, investments, and digital holdings. This holistic view is critical for accurate trust structuring, gift planning, and documenting beneficiary intentions

2. Trust Formation & Structuring

   • Revocable Living Trusts for privacy, probate avoidance, and flexible management

   • Irrevocable Trusts (incl. ILITs, GRATs, IDGTs) to reduce estate tax exposure, safeguard appreciating assets, and control long-term wealth transfer

   • Charitable Trusts (CRTs, CLTs, DAFs) for philanthropic goals, securing tax deductions while maintaining income flow or charitable impact

3. Strategic Gifting Solutions

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

   • Utilize lifetime exemption ($13.99M in 2025) to pass meaningful assets without estate tax

   • Use gifting vehicles like 529 plans, intrafamily LLCs, and educational/medical payments—which bypass gift limits

4. Wealth Preservation & Succession PlanningImplement family limited partnerships (FLPs) or buy-sell agreements to protect business interests and ensure seamless successors

5. Executor & Beneficiary CoordinationWe help appoint executors and guardians and guide open conversations among heirs—ensuring alignment and avoiding probate complications

   
   

Real-World Success Stories

• Ultra-HNW Family ($115M assets): Achieved a $16 M estate-tax reduction using FLPs, GRATs, ILITs, IDGTs, GST trusts, and Crummey trusts—minimizing taxes while preserving control and flexibility

• Grandparent Strategy: A Washington state couple contributed a rental property into an LLC, gifted LLC interests into a trust (leveraging valuation discounts), and retained income control—while 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 avoid family conflict

• Purpose-Driven Giving: Philanthropic trusts and donor-advised funds align giving with legacy objectives while offering tax benefits

Recommendations for Clients

• Get a comprehensive review of 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 major life events

  
  

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 yadvisory.com.

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.