Maximizing Impact, Minimizing Tax
William's outdated trust, though substantial at $4.2 million, lacked the flexibility to efficiently manage his desired charitable donations and estate distribution to his three children and seven grandchildren. He was concerned that forced asset sales to fulfill charitable pledges and estate taxes would erode his legacy and diminish the long-term value of his assets for his heirs, particularly given the varying NAV performance of the assets held within the trust.
We utilized our NAV Calculator to meticulously analyze the performance and underlying holdings of William's mutual funds and ETFs within the trust. This revealed underperforming assets with high embedded capital gains. By strategically reallocating those assets and donating shares with lower NAV growth potential but significant charitable value, we optimized his giving. In conjunction, we suggested amendments to his trust, incorporating a Charitable Remainder Trust (CRT) component to further enhance tax efficiency and income generation. The NAV Calculator allowed us to project the potential future value of the trust assets under different contribution scenarios.
The NAV Calculator was used to analyze historical fund performance, expense ratios, and underlying asset allocations. Data was sourced from Morningstar and fund prospectuses and then modeled against various hypothetical charitable giving scenarios and CRT contribution levels to determine the optimal strategy.
$350,000 increased charitable giving capacity and $175,000 in projected estate tax savings over 10 years through strategic asset allocation and trust restructuring.
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