When you gift stocks to family members, neither you nor the recipient immediately pays capital gains tax. The key is understanding how cost basis transfers and when taxes become due. This comprehensive guide explores strategies to transfer stock ownership while minimizing tax impact for both parties.
Can You Gift Stocks Without Paying Capital Gains Tax?
Yes, you can transfer stocks to family members without triggering capital gains tax at the time of the gift. According to the Internal Revenue Service, stock gifts are treated differently than stock sales. When you make the gift, you transfer both the shares and your original cost basis—meaning no taxable event occurs until the recipient sells the shares.
This creates an opportunity for tax optimization. If your family member falls into a lower tax bracket, they may pay 0% to 15% in capital gains tax when they eventually sell, compared to the 15% to 20% rate you might face. For individuals earning under $48,350 in 2025 (or $97,000 for married couples filing jointly), the long-term capital gains rate is 0%.
Key Insight
The gift itself is tax-free. The recipient inherits your cost basis and only faces capital gains tax if they sell the shares for more than you originally paid.
Who Pays Capital Gains Tax on Gifted Stock?
Understanding who pays taxes on gifted stocks depends on three scenarios that determine how gains and losses are calculated. Each scenario has different rules that affect the final tax outcome.
When the Recipient Sells the Stock at a Gain
When the recipient sells gifted stock for more than your original purchase price, they calculate capital gains using your cost basis. For example, if you bought shares for $1,000, gifted them when valued at $2,000, and the recipient later sells them for $4,000, they report a $3,000 capital gain (the difference between your $1,000 purchase price and their $4,000 sale price).
The recipient also inherits your holding period. If you held the stock for more than one year before gifting, the recipient automatically qualifies for long-term capital gains treatment, which carries more favorable tax rates than short-term gains.
Example Calculation
- Your purchase price: $1,000
- Value at gift date: $2,000
- Recipient sells for: $4,000
- Recipient’s capital gain: $3,000 ($4,000 – $1,000)
- Tax if recipient in 0% bracket: $0
- Tax if recipient in 15% bracket: $450
When the Recipient Sells the Stock at a Loss
The rules shift when gifted stock loses value. If you purchased stock for $4,000, gifted it when worth $2,000, and the recipient sells for $1,000, they can only claim a $1,000 loss. The loss calculation uses the fair market value on the gift date ($2,000), not your higher purchase price.
This limitation exists to prevent tax manipulation. Without this rule, you could transfer declining assets to family members in lower tax brackets to generate larger deductions. The IRS addresses this by limiting the deductible loss to the actual decline that occurred after the gift.
When There Is a Gain and a Loss
A unique situation arises when the sale price falls between your original cost and the gift-date value. If you bought stock for $4,000, gifted it at $2,000, and the recipient sells at $3,000, neither gain nor loss applies. The sale price exceeds the gift-date value (eliminating a loss) but remains below your cost basis (eliminating a gain). In this scenario, the recipient reports no capital gain or loss.
Tax Rule Summary
| Scenario | Basis Used | Tax Impact |
|---|---|---|
| Sold at gain | Donor’s original purchase price | Capital gains tax on full appreciation |
| Sold at loss | Fair market value at gift date | Limited loss deduction |
| Sold between original cost and gift value | No basis applies | No gain or loss reported |
Gift Stock Tax Calculator
Compare tax implications across three scenarios to find your optimal strategy
Gift vs. Sell vs. Inherit: Complete Comparison
Choosing the right strategy depends on multiple factors including tax brackets, estate size, and timing needs. This comprehensive comparison helps you make an informed decision.
| Factor | Gift Stock Now | Sell & Give Cash | Leave as Inheritance |
|---|---|---|---|
| Immediate Tax for Giver | None | 15-20% capital gains | None (until death) |
| Recipient’s Cost Basis | Your original cost | Full cash value (no basis) | Stepped-up to FMV at death |
| Future Tax for Recipient | On full gain from your purchase | None (received cash) | Only on gains after inheritance |
| Estate Reduction Benefit | Yes – removes asset from estate | Depends on cash usage | No – stays in estate |
| Recipient Benefits Immediately | Yes | Yes | No – must wait |
| Annual Limit (2025) | $19,000 per person | $19,000 per person | No annual limit |
| Estate Tax Consideration | Reduces taxable estate | Reduces taxable estate | Included in estate value |
| Complexity | Moderate (requires brokerage transfer) | Simple (cash gift) | Simple (handled by estate) |
| Best For… | Recipients in low tax brackets; estate planning needs; teaching investing | Recipient doesn’t have brokerage account; need for immediate liquidity | Highly appreciated assets; smaller estates below exemption; no immediate need |
Recommendation: Gift stock when the recipient is in a lower tax bracket than you and you want to reduce your estate. Consider inheritance for assets with significant appreciation if estate taxes aren’t a concern and the recipient doesn’t have immediate needs.
Understanding Tax Implications When Gifting Stocks
Beyond capital gains, several tax considerations affect stock gifting strategies. These rules determine reporting requirements and potential tax consequences for both parties.
Gift and Estate Tax Thresholds for 2025
The annual gift tax exclusion stands at $19,000 per recipient in 2025, according to the Internal Revenue Service. This means you can give stocks worth up to $19,000 to any number of individuals without filing a gift tax return. Married couples can combine their exclusions to gift $38,000 per recipient.
Gifts exceeding the annual exclusion don’t trigger immediate taxes. Instead, the excess counts against your lifetime estate and gift tax exemption of $13.99 million per individual in 2025. You must file Form 709 to report the gift, but no tax is due unless you’ve exhausted your lifetime exemption—a threshold most families never reach.
2025 Gift Tax Thresholds
- Annual exclusion per recipient: $19,000 (individual) / $38,000 (married couple)
- Lifetime exemption: $13.99 million (individual) / $27.98 million (married couple)
- Estate tax rate (if exceeded): 40%
- Form 709 required: When gifts exceed $19,000 per recipient
This structure allows strategic gifting. You might transfer $19,000 worth of appreciated stock to each of your three children annually, removing $57,000 from your taxable estate while avoiding gift tax reporting entirely.
💡 Strategic Tip: Systematic annual gifting to multiple family members maximizes estate reduction. A couple gifting to 5 family members can remove $190,000 annually from their estate ($38,000 × 5 recipients), plus all future appreciation on those assets.
Step-Up Basis Strategy with Inherited Stock
One advanced strategy involves gifting stock to parents or older relatives, who then bequeath it back to you through their estate. When someone inherits stock, the cost basis “steps up” to the fair market value on the date of death. This eliminates all built-in capital gains.
Here’s how it works: You purchase stock for $5,000 and gift it to your parents when it’s worth $10,000. Years later, they pass away when the stock is worth $15,000. You inherit the stock with a new cost basis of $15,000. If you then sell for $17,000, you only pay capital gains tax on $2,000—not the $12,000 gain from your original purchase.
Advanced Strategy Example: Upstream Gifting
You buy stock for $5,000
Gift to parents when worth $10,000
No tax on gift transfer
Parents pass; stock worth $15,000
You inherit with stepped-up basis
You sell for $17,000
Tax only on $2,000 gain (not $12,000)
Result: You avoided $10,000 of taxable capital gains through the step-up benefit.
This strategy works when your parents have not exhausted their estate tax exemption. However, it requires careful planning and consideration of family dynamics. The approach is entirely legal but demands transparency about intentions to avoid future disputes.
⚠️ Important Considerations
- Parents must have estate below $13.99M exemption threshold
- Requires open communication with all family members
- Document the arrangement clearly
- Consider sibling relationships and inheritance expectations
- Consult with estate planning specialists before implementing
Kiddie Tax Rules for Gifting to Children
When gifting stocks to children, be aware of the “kiddie tax” that applies to full-time students under age 24 who don’t cover at least 50% of their own expenses. The Internal Revenue Service taxes unearned income (such as dividends and capital gains) exceeding $2,700 in 2025 at the parents’ income tax rate.
You can structure gifts to avoid this trap. Consider gifting stocks that don’t generate dividends, or establish the gift after the child becomes financially independent. Another option is using custodial Roth IRAs, which grow tax-free and aren’t subject to kiddie tax rules, though the child needs earned income to contribute.
Kiddie Tax Impact on Stock Gifts (2025)
| Unearned Income Amount | Tax Treatment | Example |
|---|---|---|
| $0 – $1,350 | Tax-free | $1,000 in dividends: no tax |
| $1,351 – $2,700 | Taxed at child’s rate | $2,000 in dividends: taxed at child’s (likely low) rate |
| Over $2,700 | Excess taxed at parent’s rate | $5,000 in dividends: $2,300 taxed at parent’s rate |
Alternatives to Avoid Kiddie Tax
- Gift growth stocks with low/no dividends – Avoids annual unearned income triggers
- Use custodial Roth IRA – Grows tax-free; requires child to have earned income
- Wait until child is 24 or financially independent – Kiddie tax no longer applies
- Consider 529 education savings plan – If funding education is the primary goal
- Gift through trust – Can provide more control and tax planning flexibility
Financial Aid Consideration
Beyond taxes, stock gifts to college-bound students can significantly impact financial aid eligibility. Financial aid formulas treat up to 20% of student-owned assets as available for college expenses, compared to a maximum 5.64% assessment on parent assets. A $50,000 stock gift could reduce aid eligibility by up to $10,000.
Better approach for college funding: Keep assets in parent’s name or use a 529 plan, which is treated as a parent asset for FAFSA purposes.
Should You Gift This Stock? Interactive Decision Guide
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How to Transfer Stocks to Family Members
The mechanics of transferring stock ownership depend on your brokerage and the recipient’s account status. Most transfers require the recipient to have an existing brokerage account in their name.
Direct Transfer Between Adults
For direct transfers between adult family members, contact your brokerage to complete a transfer authorization form. You’ll need the recipient’s full name, account number, and their brokerage’s DTC (Depository Trust Company) number. Most electronic transfers process within 3 to 7 business days, though timing varies by institution.
Required Information for Stock Transfer
From Your Brokerage
- Your account number
- Stock symbol and number of shares
- Signed transfer authorization
- Possibly a medallion signature guarantee
About the Recipient
- Full legal name (as on brokerage account)
- Brokerage account number
- Brokerage firm name
- Brokerage DTC number
Important timing note: The value of your gift is determined on the settlement date of the transfer, not when you initiate the request. This matters for gift tax reporting if your transfer approaches the $19,000 annual exclusion threshold. Plan accordingly, especially for year-end gifts.
Setting Up Custodial Accounts for Minors
When gifting to minors, you’ll need to establish a custodial account under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA). These accounts allow you to manage investments on behalf of the child until they reach the age of majority (typically 18 or 21, depending on your state).
Once established, you can transfer existing shares or purchase new ones directly within the custodial account. As custodian, you control investment decisions, but the assets legally belong to the child and cannot be taken back.
UGMA vs. UTMA Custodial Accounts
| Feature | UGMA (Uniform Gifts to Minors Act) | UTMA (Uniform Transfers to Minors Act) |
|---|---|---|
| Assets Allowed | Cash, securities, insurance policies | All UGMA assets plus real estate, patents, art, etc. |
| Age of Transfer | 18-21 (varies by state) | 18-25 (varies by state) |
| Flexibility | Limited asset types | More asset types allowed |
| Control Duration | Shorter custodial period | Longer custodial period in some states |
| Revocability | Irrevocable gift | Irrevocable gift |
Critical Custodial Account Considerations
- Irrevocable transfer: Once gifted, you cannot take assets back, even if circumstances change
- Child gains full control: At age of majority, child can use funds for any purpose (not just education)
- Financial aid impact: Assessed at 20% for aid calculations vs. 5.64% for parent assets
- Kiddie tax applies: Unearned income over $2,700 taxed at parent’s rate
- One custodian only: Cannot have joint custodians; must name a successor
What Happens During the Transfer
Understanding the transfer timeline helps set appropriate expectations and ensures smooth completion.
Initiation (Day 0)
- Complete and submit transfer authorization form
- Your brokerage validates the request
- Shares are frozen in your account
Processing (Days 1-5)
- Brokerage firms communicate electronically
- DTC facilitates the transfer
- Verification and compliance checks occur
Settlement (Days 3-7)
- Shares removed from your account
- Shares appear in recipient’s account
- Both parties receive confirmation
Documentation (Day 7+)
- Provide cost basis to recipient
- Save transfer confirmations
- File Form 709 if over $19,000
Need help navigating the transfer process? Our team at Bogart Wealth handles all documentation and coordinates with brokerages to ensure seamless transfers.
Stock Gifting Checklist: 15-Point Pre-Transfer Guide
Track your progress through the gifting process. Your progress is saved automatically.
Tasks Completed
Before You Gift Stock
During Transfer Process
After Transfer Completion
Need expert guidance through this process?
Our wealth management team handles all documentation and ensures compliance with tax regulations.
Get Professional Assistance →Strategic Gifting: Maximizing Tax Benefits
Effective stock gifting requires understanding both immediate and long-term tax implications. Consider these strategic approaches to optimize your wealth transfer.
Income Bracket Matching Strategy
The most powerful gifting strategy involves matching recipients to their optimal tax situations. Gift appreciated stocks to family members in the 0% capital gains bracket (income under $48,350 for single filers in 2025). They can sell immediately without owing federal capital gains tax, effectively converting what would have been a taxable event for you into a tax-free transaction.
Optimal Gifting Strategy by Income Level (2025)
| Recipient Income Level | Capital Gains Rate | Strategy Recommendation | Key Considerations |
|---|---|---|---|
| Under $48,350 (Single) Under $97,000 (Married) | 0% | ✅ OPTIMAL Gift appreciated stock immediately |
|
| $48,350 – $533,400 (Single) $97,000 – $600,050 (Married) | 15% | ✅ GOOD Gift if you’re in 20% bracket |
|
| Over $533,400 (Single) Over $600,050 (Married) | 20% | ⚠️ NEUTRAL Consider inheritance instead |
|
| Children Under 24 (Full-time students) | Parent’s rate (on income over $2,700) | ⚠️ CAUTION Kiddie tax applies |
|
Estate Reduction Through Systematic Gifting
Systematic gifting removes assets from your taxable estate while you’re alive. A couple making maximum annual exclusion gifts to five family members transfers $190,000 out of their estate yearly ($19,000 × 2 spouses × 5 recipients), plus any future appreciation on those assets.
10-Year Estate Reduction Example
Couple with $20M estate gifts to 4 children annually over 10 years
Through systematic gifting, the couple reduced their estate by $2.2M and saved $880,000 in estate taxes—all while staying within annual exclusion limits.
Timing Your Gifts for Maximum Impact
Strategic timing can significantly enhance gifting benefits. Gift stocks that have appreciated significantly but that you believe have peaked in value. This removes future appreciation from your estate while transferring the existing gain to someone in a lower tax bracket.
Optimal Timing Scenarios
Scenario 1: Stock at Peak Value
You own stock that has tripled in value and shows signs of plateau or decline.
Action: Gift now to transfer maximum appreciated value while locking in estate reduction at peak.
Benefit: If stock declines after gift, recipient still benefits from your cost basis; if it appreciates, that growth occurs outside your estate.
Scenario 2: Recipient Temporarily in Lower Bracket
Your adult child is between jobs, on parental leave, or in graduate school with minimal income.
Action: Gift in year when recipient’s income is unusually low, potentially qualifying for 0% capital gains rate.
Benefit: They can sell immediately and pay zero federal capital gains tax on the entire appreciation.
Scenario 3: Year-End Estate Planning
You want to maximize current year gifting before annual exclusion resets.
Action: Complete transfer at least 3 business days before December 31st to ensure it counts for current tax year.
Benefit: Uses current year’s $19,000 exclusion without impacting next year’s capacity.
Scenario 4: Before Major Life Changes
You anticipate selling a business, receiving inheritance, or other wealth-increasing event.
Action: Gift appreciated stocks before the event to establish pre-existing lower estate value.
Benefit: Prevents new wealth from compounding estate tax exposure; demonstrates gifting pattern.
Charitable Giving with Appreciated Stock
Donating appreciated stock directly to qualified charities allows you to deduct the full fair market value while avoiding capital gains tax entirely. This strategy works when you want to support causes while maximizing tax efficiency.
Donating Stock vs. Cash to Charity
Donating $10,000 Cash
- Must sell stock (pay capital gains tax)
- Example: $10,000 value – $2,000 tax = $8,000 net
- Charity receives: $8,000
- Your deduction: $8,000
Donating $10,000 Stock
- Transfer stock directly (no capital gains tax)
- Charity sells tax-free (tax-exempt status)
- Charity receives: $10,000
- Your deduction: $10,000
Advantage: Donating stock directly provides $2,000 more to charity and $2,000 larger tax deduction for you—a win-win outcome.
Requirements for Stock Donations
- Charity must be a qualified 501(c)(3) organization
- Stock must be held for more than one year (long-term)
- Deduction limited to 30% of AGI for appreciated securities
- Excess deductions can be carried forward for 5 years
- Obtain written acknowledgment from charity
Maximizing the tax benefits of stock gifting requires coordination between investment strategy, tax planning, and estate goals. Our team at Bogart Wealth develops integrated strategies that align with your complete financial picture.
Is Gifting Stock Better Than Inheriting It?
The decision between gifting stock now versus bequeathing it through your estate depends on several factors. Understanding the trade-offs helps you make the right choice for your family’s situation.
The Step-Up Basis Advantage of Inheritance
Inherited stock receives a step-up in basis to the fair market value at death, eliminating all capital gains accumulated during your lifetime. This makes inheritance more tax-efficient for highly appreciated assets if estate taxes aren’t a concern.
Consider this example: You bought stock for $10,000 that’s now worth $100,000. If you gift it, the recipient inherits your $10,000 cost basis and faces $90,000 of taxable gain when they sell. If they instead inherit it at your death, their new basis becomes $100,000, and they owe tax only on appreciation after that point.
Step-Up Basis Tax Impact Comparison
If Gifted (Inherits Your Basis)
- Your purchase price: $10,000
- Value when gifted: $100,000
- Recipient sells for: $120,000
- Capital gain: $110,000
- Tax at 15%: $16,500
If Inherited (Step-Up Basis)
- Your purchase price: $10,000 (irrelevant)
- Value at your death: $100,000 (new basis)
- Recipient sells for: $120,000
- Capital gain: $20,000
- Tax at 15%: $3,000
Tax Savings Through Inheritance: $13,500 ($16,500 – $3,000)
When Gifting Makes More Sense
Despite the step-up advantage, gifting offers benefits that inheritance doesn’t provide. These advantages become compelling in specific situations.
Situations Where Gifting Wins
Large Estate Approaching Exemption Threshold
If your estate approaches $13.99 million (or $27.98 million for couples), the 40% estate tax rate makes it worthwhile to gift appreciated assets. The loss of step-up basis is offset by avoiding estate tax.
Example calculation:
- $100,000 stock gift removes asset from estate
- Avoids 40% estate tax: $40,000 saved
- Recipient pays 15% capital gains: $13,500 cost
- Net benefit: $26,500
Recipient in 0% Capital Gains Bracket
When the recipient has income under $48,350 (single) or $97,000 (married), they pay zero capital gains tax. This eliminates the tax disadvantage of gifting versus inheritance.
Outcome:
No capital gains tax on gifted stock + estate reduction benefit = clear win for gifting strategy
Immediate Need or Long Time Horizon
If the recipient needs resources now (education, home purchase, business start-up), waiting for inheritance isn’t practical. Additionally, if you’re young and healthy, decades of appreciation will occur outside your estate.
Long-term perspective:
$50,000 gifted today growing at 7% for 30 years = $380,612 removed from your estate at no additional gift tax cost
Educational and Emotional Value
Gifting during your lifetime allows you to teach financial responsibility, explain your investment rationale, and see your family benefit from your generosity.
The Hybrid Approach: Best of Both Strategies
Many families adopt a hybrid approach that balances immediate gifting with preserving highly appreciated assets for inheritance. This provides immediate help while maximizing long-term tax benefits.
Hybrid Strategy Framework
Gift Annually
Assets to transfer now
- Recently purchased stocks (minimal appreciation)
- Dividend-paying stocks up to $19,000 per recipient
- Stock needed for immediate family needs
- Enough to establish pattern of systematic gifting
Hold for Inheritance
Assets for step-up benefit
- Stocks with massive appreciation (200%+ gains)
- Long-held positions from decades ago
- Assets recipient doesn’t need immediately
- Enough to optimize step-up basis benefit
Evaluate Annually
Reassess based on changes
- Monitor estate size relative to exemption threshold
- Track recipients’ income and tax bracket changes
- Adjust for tax law changes (exemption set to drop in 2026)
- Consider family circumstances and immediate needs
Key Decision Factors: Gift vs. Inherit
Factors Favoring Gifting
- Estate near or above exemption threshold
- Recipient in 0% capital gains bracket
- Recipient has immediate financial need
- You’re young with long time horizon
- Want to teach financial responsibility
- Stock recently purchased (low appreciation)
- Systematic estate reduction is priority
Factors Favoring Inheritance
- Estate well below exemption threshold
- Stock has massive appreciation (200%+ gain)
- Recipient in same/higher tax bracket
- No immediate need for funds
- You want to retain control/flexibility
- Recipient is financially unstable
- Step-up benefit outweighs other factors
Professional Guidance Recommended
The gift versus inheritance decision involves complex trade-offs between current tax savings, future estate tax exposure, family needs, and personal goals. A comprehensive analysis of your situation is essential.
Our estate planning specialists create customized strategies that optimize your wealth transfer approach. We analyze your complete financial picture—estate size, asset appreciation, family tax situations, and long-term objectives—to recommend the right mix of gifting and inheritance planning.
Making Smart Decisions About Stock Gifting
Gifting stocks to family members offers a powerful strategy for wealth transfer that can benefit both the giver and recipient. By understanding cost basis rules, tax implications, and strategic timing, you can minimize taxes while helping your loved ones build financial security.
Key Takeaways
- No immediate tax on transfers: Stock gifts don’t trigger capital gains tax at the time of transfer—taxes apply only when the recipient sells
- Maximum benefit with tax bracket differences: Gifting is most advantageous when the recipient is in a lower tax bracket, especially the 0% capital gains rate
- Annual exclusion advantage: You can gift $19,000 per person annually ($38,000 for married couples) without gift tax reporting
- Estate planning benefits: Systematic gifting removes assets from your taxable estate, potentially saving 40% in estate taxes for large estates
- Step-up basis consideration: Inheritance may be more tax-efficient than gifting for highly appreciated assets if estate taxes aren’t a concern
- Kiddie tax caution: Be aware of special rules for children under 24 to avoid unintended tax consequences
- Documentation is critical: Proper record-keeping of cost basis ensures compliance and optimal tax outcomes
Strategic Implementation Matters
While the mechanics of stock gifting are straightforward, the optimal strategy requires careful analysis of multiple factors:
Tax Optimization
Coordinating the gift with the recipient’s income fluctuations, your estate planning goals, and current tax law can multiply your tax savings.
Timing Decisions
Whether to gift now or wait, which stocks to transfer first, and how to sequence gifts over multiple years all impact long-term outcomes.
Family Dynamics
Ensuring fair treatment among multiple recipients, managing expectations, and communicating your intentions prevents future conflicts.
Compliance Requirements
Proper documentation, timely filing of Form 709 when required, and coordination with your overall estate plan ensures legal compliance.
When Professional Guidance Makes Sense
Consider consulting with wealth management and tax professionals when:
- Your estate approaches or exceeds the $13.99 million exemption threshold
- You’re considering gifting stocks with substantial appreciation (over $100,000 in gains)
- The recipient is a dependent child subject to kiddie tax rules
- You’re implementing complex strategies like upstream gifting or generation-skipping transfers
- You need to coordinate stock gifts with broader estate planning documents
- You’re gifting to multiple family members and want to ensure equitable treatment
- You’re uncertain about the tax implications of your specific situation
Expert Guidance for Your Stock Gifting Strategy
The wealth management team at Bogart Wealth specializes in tax-efficient wealth transfer strategies. We analyze your complete financial picture—including estate size, family tax situations, and long-term objectives—to develop a customized approach that maximizes benefits for you and your loved ones.
How We Help:
- Comprehensive tax analysis: We calculate the precise tax impact of gifting versus other strategies for your situation
- Multi-generational planning: We coordinate gifts across family members to optimize overall family tax efficiency
- Estate plan integration: We ensure stock gifts align with your wills, trusts, and overall estate strategy
- Documentation support: We help prepare all required paperwork and coordinate with your brokerage
- Ongoing monitoring: We track changes in tax law and your financial situation to adjust strategies as needed
Our integrated approach combines:
- Tax Optimization Services to minimize current and future tax liability
- Estate Planning Services to structure wealth transfer efficiently
- Comprehensive Financial Planning to align gifts with your overall goals
- Investment Management to optimize portfolio positioning before transfers
Ready to Explore Your Options?
Schedule a complimentary consultation to discuss your stock gifting strategy. We’ll review your situation, answer your questions, and provide initial recommendations tailored to your family’s needs.
