15. The Judo Move: How Wealthy Families Turn the Rules into Opportunity

How much growth in your portfolio still belongs to you… and how much could ultimately pass to the next generation?

In this episode, the team discusses estate planning strategies such as Grantor Retained Annuity Trusts (GRATs) and Intentionally Defective Grantor Trusts (IDGTs). These structures are sometimes used as part of a broader estate planning process to help address how future appreciation in certain assets may be treated for estate and gift tax purposes while maintaining defined parameters for oversight and control. The episode also reviews the current federal estate and gift tax exemption framework and discusses how the scheduled changes to the exemption after 2025, under current law, may influence how some families evaluate planning opportunities.

This content is for informational and educational purposes only and should not be considered investment, tax, or legal advice. Estate planning strategies such as GRATs and IDGTs are complex and may not be appropriate for all individuals. Their effectiveness depends on individual circumstances, asset performance, interest rates, and future changes in tax law. Moran Wealth Management® does not provide tax or legal advice. Any tax or legal information provided is general in nature and should not be construed as advice. You should consult your tax and legal professionals regarding your specific situation. All investing involves risk, including the possible loss of principal. International and emerging markets investing involves additional risks, including currency fluctuations, political and regulatory risk, and differences in accounting and reporting standards. Any opinions are as of the date of the content and are subject to change without notice.

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