Individual
Tax Planning
Tax law and estate planning are more connected than most people realize. The decisions you make about your estate — how assets are titled, when they transfer, and to whom — can have significant tax consequences for your family.
We help individuals think through those decisions before they become problems.
Call (720) 724-8456Estate & Gift Tax
Understanding the federal thresholds and how to structure transfers to minimize exposure.
Step-Up in Basis
How inherited assets are taxed differently — and how to plan around it strategically.
Charitable Giving
Donor-advised funds, charitable remainder trusts, and other tools that do good and reduce tax.
Retirement Accounts
IRAs, inherited IRAs, and the 10-year rule — coordinating these with your overall plan.
Smart Planning,
Before Tax Season
Most tax problems in estate planning happen because nobody looked at the whole picture. A will might be technically valid while still creating an unnecessary tax burden. Beneficiary designations that haven’t been updated in years can cause real harm.
We work alongside your CPA or financial advisor — or independently, if you prefer — to make sure your legal documents and your tax situation are actually aligned.
Coordinating With Your CPA
We speak the same language as your tax advisor. We’ll work together so nothing falls through the cracks between the legal and financial sides.
Trust Structures That Reduce Tax
Certain trust arrangements — like SLATs, GRATs, or qualified opportunity trusts — can shift wealth efficiently while reducing taxable estate size.
Annual Gift Exclusion Planning
The IRS allows tax-free gifts up to a certain amount per person, per year. Used consistently, this is one of the simplest ways to reduce a taxable estate over time.
Let’s Look at the
Whole Picture
Estate planning and tax planning work best together. Give us a call and we’ll figure out where you stand.
Call Osterhout Law, P.C. (720) 724-8456