Optimize Your Estate Plan — Every Dollar Protected
Data-driven estate planning that minimizes taxes, maximizes wealth transfer, and gives you a clear action plan.
Start Your AnalysisWhat You Get
Estate Tax Minimization
Model federal and state estate tax exposure with current exemption amounts and sunset scenarios.
Gift Strategy Optimizer
Maximize annual and lifetime gift tax exclusions across multiple beneficiaries and trusts.
GRAT/GRUT Modeling
Project grantor retained annuity and unitrust performance under varying interest rate environments.
Portability Election
Analyze deceased spousal unused exclusion (DSUE) to double your federal exemption.
Charitable Trust Analysis
Compare CRT, CLT, and donor-advised fund strategies for tax-efficient philanthropy.
Step-Up Basis Optimizer
Identify assets that benefit most from stepped-up basis at death vs. lifetime gifting.
How It Works
Enter Your Estate Details
Provide estate value, income, marital status, and beneficiary information.
Run the Analysis
Our engine models tax scenarios across federal and state jurisdictions.
Get Your Optimization Plan
Receive actionable strategies ranked by tax savings and implementation complexity.
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Federal estate tax rates, state-level estate and inheritance taxes, IRS gift tax limits, IRS actuarial tables, and 7520 rates — updated continuously.
Why Estate Planning Matters Now
The federal estate tax exemption is $13.61 million per individual in 2026, but the Tax Cuts and Jobs Act sunset could drop it to roughly $7 million in 2027. According to IRS Statistics of Income data, only about 4,100 taxable estate tax returns were filed in 2023. If the exemption drops, that number rises to an estimated 25,000 to 30,000 per year -- a 6x increase (Tax Policy Center, 2025).
Twelve states and DC impose their own estate taxes with exemptions as low as $1 million (Massachusetts and Oregon). Combined federal and state rates can exceed 54% in Washington State. Proactive planning using trusts, annual gifting, and portability elections can save families hundreds of thousands of dollars.
Voritanel models every variable: federal exemptions, state estate taxes, gift tax exclusions, GRAT performance projections, charitable remainder trusts, and step-up basis optimization. Get a clear picture of your exposure and an actionable strategy before the deadline.
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Free analysis in under 2 minutes.
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