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Estate & gift exposure

Net-worth inputs → the transfer-tax waterfall and the convert vs. gift vs. hold comparison. An educational illustration, not tax/legal advice.

Estate

Tax yearStateGross estate (net worth)Debts & admin expensesCharitable bequestMarital bequest (to spouse)Lifetime gifts already usedMarried (portability — two exemptions)

Exposure

Computing…

Convert vs. gift vs. hold

After-tax value to heirs of moving pre-tax retirement money. Illustration with the assumptions below.

AmountYearsGrowth %