Gift your home to heirs at a discounted valuation.
Transfer your primary or vacation residence into a QPRT for a 10–15 year term. The gift is valued at a discount (present value of remainder interest — often 40–60% of FMV). Live in the home during the term rent-free; after term, home passes to heirs estate-tax-free. Must survive the term or benefit reverses.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
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.