GRAT
Grantor Retained Annuity Trust
Pass an asset's future growth to your heirs tax-free while the principal comes back to you in annuity payments.
Don’t lose 40% of your estate to the IRS
The federal estate tax takes 40% of everything above your exemption. Families who plan early can cut the bill to zero. Trusts are set up on the same day, not the six months an attorney quotes. Book a strategy call with us to see your exposure and the trust structures that erase it.
Valur
Featured on Kitces Advisor Services Map 2026
“Our attorney quoted six months to get a trust in place. Valur had the IDGT ready in a day. All the growth since then sits outside my estate.”
“I moved a stock I expected to climb into a two-year GRAT. The annuity payments came back to me on schedule, and the growth above the IRS rate went to my kids without using any of my exemption. We’re setting up the next one now.”
Trusted by employees and executives at
Why timing mattersEvery year you wait
Every year you wait
costs your family more
Estate tax is assessed on what your estate is eventually worth, not what it’s worth today. Move an asset into a trust now and all of its future growth sits outside your taxable estate. Wait ten years, and that decade of growth gets taxed at 40%.
- Move future appreciation out of your taxable estate at today’s valuation
- Keep income or access while you’re alive, depending on the structure you choose
- Pass wealth to your heirs free of estate tax
Your exact number depends on your estate, your state, and your timeline. We’ll calculate it with you on a free tax strategy session.
Book my free strategy callExample scenario
$29.4M
Saved by moving it now
100%
Reaches your family
vs 72% if you don’t plan
Married couple with a $12M asset and their full $30M federal exemption unused, growing 9% a year for 25 years. Moving it into a trust today uses $12M of the exemption and keeps all of the growth outside the estate. Your number depends on your assets, your state, and your timeline.
The right trust structure
One plan, built from the pieces that fit
The sooner assets move, the more growth escapes the tax. These are the building blocks. You don’t need to know which one fits. We’ll help you find the right structures on our strategy call.
SLAT
Spousal Lifetime Access Trust
Move assets out of your estate while your spouse keeps access to them.
IDGT
Intentionally Defective Grantor Trust
Freeze an asset's value for estate tax purposes today, so all future growth lands outside your estate.
ILIT
Irrevocable Life Insurance Trust
Keep your life insurance payout outside your taxable estate.
CLAT
Charitable Lead Annuity Trust
Support a charity now and pass what remains to your heirs at a reduced tax cost.
Crummey Trust
Annual exclusion gifting trust
Make tax-free annual gifts to children or grandchildren inside a trust you control the terms of.
Non-grantor Trust
Separately taxed trust
A trust taxed as its own entity, often used for state income tax savings.
Your free strategy call
What you'll walk away with
A tax strategy session with our team. No cost, no obligation, just a clear answer on what your estate tax bill looks like and how to shrink it.
Calculate your exposure
Find out what your family would owe today, and how much bigger that bill gets as your assets grow.
The right structures for your family
We’ll help you find which of the building blocks above fit your assets, your state, and your family’s needs.
A clear path to set up
If it's a fit, we handle the trusts, legal paperwork, and ongoing administration. Trusts are ready in under 24 hours. No obligation to move forward.
FAQCommon questions
Common questions
about estate tax
No, but every year you wait costs you. You transfer at today’s valuation, and only growth after that point lands outside your estate. An asset that has already tripled can still triple again. That second triple is what you’re protecting.
See what your
family would owe
Get a look at how the right trust structures could cut your estate tax bill. We’ll run your numbers with you on a free tax strategy call.
Valur
Featured on Kitces Advisor Services Map 2026
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