Where Intra-Family Loans Fit in a Modern Estate Plan

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Loans are not a sideshow to the estate plan - they can be one of its most flexible instruments.

A modern estate plan is about moving wealth to the next generation efficiently and on the family's terms. Intra-family loans slot neatly into that goal: they shift future growth out of the taxable estate, fund the next generation's ambitions now, and can be paired with trusts for even greater effect.

Crucially, loans keep advisors and attorneys in control of the levers. Repayment, forgiveness, and refinancing can all be timed around the family's broader plan - something a one-time gift can never offer once it's made.