{"id":1283,"date":"2025-10-31T05:22:13","date_gmt":"2025-10-31T09:22:13","guid":{"rendered":"https:\/\/dinergywealth.com\/blog\/?p=1283"},"modified":"2025-10-31T05:22:13","modified_gmt":"2025-10-31T09:22:13","slug":"lets-talk-now-so-you-can-enjoy-the-holidays-estates-and-gifting","status":"publish","type":"post","link":"https:\/\/dinergywealth.com\/blog\/lets-talk-now-so-you-can-enjoy-the-holidays-estates-and-gifting\/","title":{"rendered":"Let\u2019s Talk Now So You Can Enjoy the Holidays: Estates and Gifting"},"content":{"rendered":"

Every December, without fail, I get the same call: \u201cJoe, can I still make that gift to the kids before year-end?\u201d\u00a0 And my answer is usually something like, \u201cYes, but let\u2019s make sure you\u2019re not wrapping your checkbook in a bow\u00a0five minutes before midnight on December 31st.<\/em>\u201d<\/p>\n

Here\u2019s the thing \u2014 gifting and estate planning aren\u2019t just about numbers and limits. They\u2019re about love, legacy, and intention. And when we plan early, they can be one of the most meaningful parts of your financial life.<\/p>\n

The IRS allows you to gift up to\u00a0$18,000 per person per year<\/strong>\u00a0(for 2024) without triggering gift taxes. Please confirm your specific situation with your tax advisor!\u00a0 Married couples can double that. That\u2019s a powerful tool \u2014 but it\u2019s not just about giving money away. It\u2019s about setting your family up for success in ways that align with your goals. Maybe that means helping a grandchild with tuition, supporting a child starting a business, or simply creating memories that will outlast any dollar figure.<\/p>\n

But if we wait until December, things get messy. Transfers get delayed, custodians get backed up, and opportunities slip away. That\u2019s why now is the time to look at your estate and gifting strategy.<\/p>\n

Here are a few things to think about before the holiday whirlwind hits:<\/p>\n

    \n
  1. Review your will and beneficiaries.<\/strong>
    \nLife changes \u2014 marriages, grandkids, even moves can make old documents outdated. Let\u2019s make sure your plans still reflect your wishes.<\/li>\n
  2. Consider strategic gifts.<\/strong>
    \nYou can gift cash, appreciated stock, or even make direct payments for education or medical expenses \u2014 which don\u2019t count toward your annual limit.<\/li>\n
  3. Use your estate exemptions wisely.<\/strong>
    \nThe current estate tax exemptions are high, but laws can change. Acting early can lock in favorable conditions.<\/li>\n
  4. Communicate your intentions.<\/strong>
    \nEstate planning isn\u2019t just paperwork \u2014 it\u2019s a conversation. The holidays are much more enjoyable when everyone\u2019s on the same page.<\/li>\n<\/ol>\n

    When it\u2019s all said and done, your financial legacy should be about connection, not confusion. Let\u2019s get it right now, so when the holidays roll around, your focus is on the people you love \u2014 not the paperwork you forgot.<\/p>\n

    Please contact us through the contact page HERE<\/a>, directly to Joe Lind at jlind@dinergywealth.com<\/a> or call Joe at 513-878-0195. Remember, we focus on growth – done CONFIDENTLY.<\/p>\n

    \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

    Every December, without fail, I get the same call: \u201cJoe, can I still make that gift to the kids before year-end?\u201d\u00a0 And my answer is usually something like, \u201cYes, but let\u2019s make sure you\u2019re not wrapping your checkbook in a bow\u00a0five minutes before midnight on December 31st.\u201d Here\u2019s the thing \u2014 gifting and estate planning […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_oasis_is_in_workflow":0,"_oasis_original":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[12,16],"tags":[],"class_list":["post-1283","post","type-post","status-publish","format-standard","hentry","category-financial-preparedness","category-nearing-retirement"],"yoast_head":"\nLet\u2019s Talk Now So You Can Enjoy the Holidays: Estates and Gifting - 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