# Ep 26 - Gift Tax Exclusion: Smart Strategies For Tax-Free Giving

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Text version: https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754/ep-26-gift-tax-exclusion-smart-strategies-for-tax-free-giving.md
Podcast: [Metcalf Money Moment the Podcast](https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754)
Published: 2026-01-28T07:00:00+00:00
Episode link: https://metcalf-money-moment.captivate.fm/episode/ep-26-gift-tax-exclusion-smart-strategies-for-tax-free-giving
Audio file: https://episodes.captivate.fm/episode/1c3c397b-a251-43d4-9765-b5e9c1b4fc23.mp3
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Duration seconds: 1666

## Resource

Understanding the gift tax exclusion is essential for anyone looking to transfer wealth to family members. On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric break down the most popular gifting strategies, including UTMA accounts, 529 college savings plans, and structured gifting through trusts. Learn how married couples can gift up to $38,000 per person annually without gift tax reporting, explore the new Trump savings accounts that offer government contributions, and discover how to use purpose-based distributions to maintain control over gifted assets. Whether you're funding education through a 529 plan with Roth IRA rollover options or setting up a revocable trust with age-based distributions, this episode covers everything you need to know about tax-free gifting strategies. What you will Learn in this Episode: How the annual gift tax exclusion allows you to gift up to $19,000 per person ($38,000 for married couples) without any tax reporting requirements or liability The differences between UTMA accounts, 529 college savings plans, and new Trump savings accounts, including contribution limits, FAFSA impact, and withdrawal rules How to use revocable trusts with age-based distributions and purpose-based distributions to maintain control over gifted assets and prevent large windfalls to young adults The Roth IRA rollover strategy that allows up to $35,000 from a 529 plan to be transferred tax-free into a retirement account for the beneficiary Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Giftin…

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## Transcript

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