Freeze estate value + shift appreciation with tax-free note interest.
Sell appreciating assets to an Intentionally Defective Grantor Trust for a low-AFR note. No cap gains on sale (grantor = trust for income tax), no gift (fair-value sale), all appreciation escapes estate.
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Borrow against cash-value life insurance at guaranteed rates.
Deduct 60–80% of working-interest investment in year 1.
Insure your own business risks — premiums are deductible.
Hedge funds + alternative assets inside a tax-free wrapper.
Sell appreciated assets tax-free + get lifetime income + charitable deduction.
Deduct now at FMV, grant to charity later — skip cap gains.
Lock in the $13.6M estate exemption before 2026 sunset.
Transfer appreciation to heirs with near-zero gift tax.