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Question

Is there still a reason to act now that the exemption is permanent?

Answer

Yes. The One Big Beautiful Bill Act removed the scheduled 2026 drop, but the case for lifetime gifting rests on moving future growth out of your estate. That benefit grows with every year the assets are outside it. Congress can also change the law in the future.

Related FAQs

Should I gift appreciated assets if my heirs lose the step-up in basis?

Can I use my exemption and still keep access to the assets?

Why use my lifetime exemption now instead of at death?
Estate Planning Tax Planning Impact of New Laws OBBBA Generational Wealth Year-Round Tax Planning FAQs
Last Updated Oct. 14, 2026
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