Resource · Estate & Legacy
A Guide to Non-Charitable Gifting
How to give to family and individuals during your lifetime in a way that aligns with your estate plan and tax picture.
Gifts to family and friends during your lifetime can support the people you care about and reduce the size of a taxable estate. This guide, courtesy of Vanilla, explains the main types of non-charitable gifts and the rules for each.
What’s inside
Why people give
The personal and tax reasons gifting plays a role in many financial plans.
The annual gift exclusion
How much you can give each person every year without triggering federal gift tax.
The lifetime exemption
How gifts above the annual amount count against your lifetime gift and estate exemption.
Education and medical expenses
How paying tuition or medical bills directly can support family members beyond the annual limit.
529 plans
Using 529 plans for education gifts, including five-year superfunding.
Give with a plan
Download the guide and talk with us before making a large gift. Gift limits change each year, so we confirm current figures as part of the conversation.
This content is for informational purposes only and is not individualized advice.