At OMNI 360 Advisors, we help you structure your gifting in a way that leverages all available exemptions, annual exclusions, and lifetime credits while aligning with your overall financial, tax, and estate planning goals.

Whether you’re looking to transfer wealth to your children, make charitable donations, or provide financial support to loved ones, gift tax planning is a powerful tool for:

The IRS places limits on how much you can gift without triggering gift tax consequences. As of 2025, the annual exclusion amount is $18,000 per recipient, and the lifetime exemption is $13.61 million per individual (subject to change). Planning with foresight allows you to make the most of these thresholds before potential future reductions in exemption limits.

At OMNI 360 Advisors, our team of CPAs, estate planning attorneys, and financial advisors works together to deliver fully integrated gift tax planning solutions. We assess your entire financial picture and long-term goals before recommending a tailored strategy. Our services include:

We help you take full advantage of the annual gift tax exclusion, allowing you to gift up to $18,000 per person (or $36,000 per couple) each year without dipping into your lifetime exemption. Our experts create a schedule that aligns with your cash flow, goals, and family structure.

Strategically using your lifetime gift tax exemption can reduce the size of your taxable estate while shifting significant wealth during your lifetime. We’ll help you determine how to use this powerful exemption efficiently—whether you’re gifting appreciated securities, business interests, or real estate.

We use irrevocable trusts like Grantor Retained Annuity Trusts (GRATs), Spousal Lifetime Access Trusts (SLATs), and Irrevocable Life Insurance Trusts (ILITs) to remove assets from your estate and minimize taxes. These vehicles provide added control, asset protection, and income benefits to beneficiaries.

Gifts made directly to educational institutions or medical providers for someone’s tuition or medical bills are not subject to gift tax or counted against your annual exclusion. OMNI 360 Advisors helps structure these direct payments to maximize your giving power without triggering taxes.

Charitable gifts can reduce your income and estate tax burden. We advise on donor-advised funds, charitable remainder trusts (CRTs), and other charitable strategies that align with your values and deliver meaningful tax savings.

Gifting interests in a family-owned business or LLC can allow for valuation discounts (like lack of marketability and minority interest), enabling you to transfer more value with less gift tax exposure. We’ll guide you through IRS valuation standards and develop a defensible, compliant transfer plan.

Gift tax planning is essential for individuals and families with substantial assets who want to:

Even if your estate currently falls under the federal exemption threshold, laws may change. The current lifetime exemption is set to sunset at the end of 2025, potentially reverting to around $6–7 million. Planning now can secure your position and protect more of your legacy.

At OMNI 360 Advisors, we don’t view gift tax planning in isolation. We take a 360-degree approach by integrating your gifting strategy with:

Our in-house team—including CPAs, financial advisors, and legal counsel—collaborates to ensure a seamless and strategic execution.

Q: Will I owe taxes on gifts I give to my children or grandchildren?
Not necessarily. If your gift falls under the annual exclusion ($18,000 per person in 2025) or you have remaining lifetime exemption, you may not owe tax. However, you may need to file IRS Form 709 to report the gift.

Q: Do my children have to pay taxes on gifts they receive?
No. Gift tax is typically paid by the giver, not the recipient. Gifts are also generally not considered income for the recipient.

Q: What happens if I exceed the annual limit?
If you give more than the annual exclusion, the excess is subtracted from your lifetime gift and estate exemption. You won’t owe tax until you exceed your lifetime limit.

Q: What’s the difference between a gift and an inheritance for tax purposes?
Gifts are transferred during your lifetime and may reduce your estate size. Inheritances occur after death and may be subject to estate taxes. Gift planning helps you manage both ends effectively.

Choosing OMNI 360 Advisors means gaining a trusted partner with deep expertise in advanced tax planning strategies. We provide:

Our team stays ahead of changes in federal tax law, including the scheduled reduction in estate and gift exemptions. We ensure you are positioned to make smart, timely decisions.

Gifting can be one of the most powerful and rewarding financial decisions you make. Whether you’re looking to support loved ones now, minimize future tax burdens, or align your giving with personal values, OMNI 360 Advisors is here to guide you every step of the way.

Contact us at (609) 452-0889 to schedule a consultation to start your personalized gift tax plan.

How we do business – ADV Part 3 – CRS (Please see attached document)

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