Estate Tax Reduction Planning

Shift wealth to your children. Avoid the 40% estate tax. Keep control.

The Estate Tax Is the Highest in the Country — And It’s About to Get Worse
In 2025, individuals can transfer up to $13.99 million free of federal estate tax. For married couples, the exemption doubles to $27.98 million. Anything above that is taxed at up to 40% — one of the highest rates in the U.S.

But here’s the catch: These elevated exemption amounts are set to expire at the end of 2025.
Unless Congress acts, the exemption will revert to pre-2018 levels, adjusted for inflation — expected to be approximately $7 million per individual, or $14 million per couple, beginning January 1, 2026. That means high-net-worth families who delay planning could lose the opportunity to shield tens of millions in wealth from estate tax.

At Sollertis, we help clients lock in the current exemption and reduce their estate tax exposure even further. Using our MAPP structure, many families are able to transfer up to $21 million (individuals) or up to $42 million (married couples) in value — without triggering estate tax.

How We Help Clients Reduce Their Estate Tax Exposure

Our strategy involves transferring a minority interest in a central entity — called the Asset Hub — into a trust for the benefit of the next generation. The parents retain full control and use of the family wealth, but a portion of the future appreciation is now outside their taxable estate.

Because the trust interest is:

Not controlling
Not marketable
Held within a long-term family structure

…we’re able to apply legitimate valuation discounts, often up to one-third, that reduce the gift’s taxable value — turning a transfer of up to $42 million for a married couple into a reportable gift of under $28 million, or a transfer of up to $21 million for an individual into a reportable gift of under $14 million.

This can result in estate tax savings of up to $5.6 million for couples and $2.8 million for individuals – without giving up control over the underlying assets.

The Estate Tax Landscape Is Changing - and Planning Around It Is Complex

Federal estate tax laws are in flux. While the current exemption allows individuals to transfer up to $13.99 million tax-free (or $27.98 million for married couples), that amount is scheduled to decrease to approximately $7 million per individual (or $14 million per couple) on January 1, 2026.

For families with estates above the future exemption threshold, this creates a unique and time-sensitive planning opportunity — but also a host of questions:

Should you use your exemption now, even if you don’t feel “ready”?
How much can you gift without giving up control?
What if the law changes again?
How do valuation discounts actually work — and will they hold up under scrutiny?
How do you coordinate this with your existing CPA and estate plan?

These are nuanced decisions with long-term consequences. At Sollertis, we help families navigate these questions with clarity and confidence. Our team has deep experience designing strategies that integrate tax, legal, and asset protection planning – all tailored to your specific goals and values.

Why Clients Choose Sollertis for Estate Tax Planning

Real Value, Not Just Theory: Our structures are built for real families and real implementation — not just technical compliance.
Integrated with Asset Protection: Your estate plan and your asset protection plan don’t compete — they work together.
High-Level Coordination: We bring in and coordinate with qualified appraisers and discount valuation experts, manage the entire process, and prepare the gift tax return for your CPA to file alongside your individual or joint tax return.
Proven Results: We’ve helped families reduce or eliminate tens of millions in potential estate tax — while preserving full control over their assets.

Who This Strategy Is For

Married couples with a combined estate above $28 million, or above $14 million when factoring in the expected exemption drop in 2026
Individuals with estates near or above $14 million, or above $7 million under the 2026 exemption
Families who want to pass wealth efficiently without losing control
Clients concerned about losing exemption amounts due to future tax law changes
High-net-worth individuals building a long-term trust structure for their heirs

Build the Plan. Lock In the Savings.

The current estate tax exemption is scheduled to sunset at the end of 2025, cutting your tax-free limit nearly in half. The time to act may never be more advantageous — and we’re here to help. Our estate tax reduction planning strategy starts with your MAPP, and ends with millions saved.

Want to Save $5–6 Million or More in Estate Taxes?

Let’s talk. We’ll show you how the right structure can protect your family’s legacy and dramatically reduce estate taxes — without giving up control.