The estate tax laws have a habit of being changed often by congress. In 2018, a married couple can exclude more than $22 million dollars from their estate and reduce their tax liability accordingly. However, there are often ways to dramatically increase an inheritance or leverage it which include beneficiary designations, stretching IRA accounts, and using life insurance. Even though you may not need a living trust to avoid or limit estate taxes, you may want one to limit the headache of transferring your accounts and your home to a surviving spouse or your children. During your lifetime you may want to sell assets with ZERO capital gains tax or reduce assets by 50% or more for reducing estate taxes. Ask us how.