@elithemoneyguy: Wrapping up an estate quickly often makes sense. But in certain situations, there may be a reason to keep it open. For the first 36 months, a qualifying graduated rate estate can access graduated tax rates rather than being taxed at the top marginal rate that generally applies to trusts. That can create planning opportunities, such as realizing gains over time to potentially take advantage of lower tax brackets. It’s a niche strategy and certainly not appropriate for every estate. But for the right family, that three-year window can be valuable. Have questions about how tax planning fits into your estate? Book a meeting with our team.

Eli the Money Guy

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Monday 24 August 2026 16:19:55 GMT