Private Wealth Management

Using a Grantor Retained Annuity Trust (GRAT) for Wealth Transfer Purposes

What Is a GRAT?

A grantor retained annuity trust (GRAT) is a wealth transfer technique used by taxpayers who want to gift future asset appreciation to heirs.

It allows an individual, the grantor, to essentially freeze his interest in the growth of an asset and give any excess future growth to beneficiaries, without incurring gift tax.

GRATs are popular and have allowed taxpayers to save billions in gift and estate taxes.

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